What is a Fair Credit Score Range?
What is a Fair Credit Score Range? Credit for Beginners by David B. Coulter Share Share Email What is a Credit Score? A credit score is a number between 300 and 850 that shows how reliable you are at paying back money you’ve borrowed, which is based on your credit history. Credit scores act as […]
How to Spot and Fix Errors on Your Credit Report
How to Spot and Fix Errors on Your Credit Report Credit Monitoring by David B. Coulter Share Share Email We might believe that the major credit bureaus keep the tightest and most up-to-date records of our credit profiles. However, according to a new Consumer Reports investigation, more than one-third, or 34 percent, of Americans found […]
Ever Wonder How To Get an 850 Credit Score? 5 Tips To Help Get You There
Ever Wonder How To Get an 850 Credit Score? 5 Tips To Help Get You There Credit Report by David B. Coulter Share Share Email You know what? You’re doing great. Your hard work and diligence have paid off in the form of a credit score you can really be proud of, but you know […]
How Much Credit is Too Much Credit?
How Much Credit is Too Much Credit? Auto Loans by John Ulzheimer Share Share Email “John, I am wondering how much credit is the right amount and how much is too much? Is there a simple answer to that question?”
Can I Build Credit By Becoming An Authorized User On A Credit Card?
Can I Build Credit By Becoming An Authorized User On A Credit Card? Credit Cards by John Ulzheimer Share Share Email I recognize credit scoring can be complicated and sometimes people can make mistakes when covering the topic or otherwise answering consumer questions. Having said that, one of the lesser complicated aspects of credit scoring […]
What Are Account “Ratings” on my credit reports?
What Are Account “Ratings” on my credit reports? Auto Loans by John Ulzheimer Share Share Email Have you ever seen an actual raw credit report? Meaning, a credit report that has been produced directly from a credit reporting agency for the purposes of lending and not a credit report cosmetically changed for consumer consumption. If […]
What’s The Difference Between A Credit Report and A Credit Score?
What’s The Difference Between A Credit Report and A Credit Score? Auto Loans by John Ulzheimer Share Share Email “John, I’ve read where you undress people who say credit scores are used by employers and then you get on them for using credit reports and credit scores as if they were the same things. Isn’t […]
Are You Accidentally Using A Credit Repair Company? Here’s How To Find Out
Are You Accidentally Using A Credit Repair Company? Here’s How To Find Out Credit Monitoring by John Ulzheimer Share Share Email “John, I had a call with a company today that I might hire to help me clean up my credit report. I asked them if they were a credit repair company and they immediately […]
How Often Does My Credit Score Change?
How Often Does My Credit Score Change? Auto Loans by John Ulzheimer Share Share Email The frequency with which your credit score changes is a product of the frequency of the changes in your credit report. Because your credit score is based upon the information in your credit report, updates to your credit report can […]
Will Changing Banks Lower My Credit Scores?
Will Changing Banks Lower My Credit Scores? Auto Loans by John Ulzheimer Share Share Email With millions of consumers switching banks in fourth quarter 2011 (26 percent because of high fees), you may be concerned what impact moving banks may have on your credit score. It all depends upon the financial institution’s policy. Most banks […]