What’s worse for my credit scores…missing a payment on a mortgage or on a credit card?
What’s worse for my credit scores…missing a payment on a mortgage or on a credit card? Auto Loans by John Ulzheimer Share Share Email I received the following question over the weekend and it’s a good one so I thought I’d write a little blog around the answer hoping to share the information with others […]
How Accurate Are Credit Reports? Survey Says…
How Accurate Are Credit Reports? Survey Says… Credit Cards by John Ulzheimer Share Share Email There have been limited studies on the accuracy of credit reports. One,however, was conducted recently on the web by the American Consumer Credit Counseling (ACCC), a non-profit credit counseling agency. There were 150 respondents, which is not a statistically significant […]
How Often Should You Be Checking Your Credit Score?
How Often Should You Be Checking Your Credit Score? Credit Cards by David B. Coulter Share Share Email In a world where personal data is routinely breached, it is sensible to regularly check your credit score to be sure it’s not only accurate but that it is also not being used without your knowledge. While […]
What is the Catch to a No Interest Credit Card?
What is the Catch to a No Interest Credit Card? Uncategorized by John Ulzheimer Share Share Email Credit card issuers are sending out more credit card offers and a common offer is for the a no-interest credit card. The no interest period time frame is usually between 6 months and one year. Just because the […]
15 Credit Myths To Dispel
15 Credit Myths To Dispel Credit Report by David B. Coulter Share Share Email When talking about credit, there have always been a lot of myths surrounding the subject. Not only is there a lot of confusion around how to get a credit report, there is also confusion around how consumers can check their credit […]
Adulting 101: How to Interpret Your Credit Report
Adulting 101: How to Interpret Your Credit Report Credit Cards by Maria Shahid Share Share Email Aside from monitoring your credit score every month, you should make sure to check your credit report at least twice a year for errors or signs of fraud. Fair warning though, a credit report is more difficult to understand […]
The Credit Scores That Lenders Use Most
The Credit Scores That Lenders Use Most Credit for Beginners by David B. Coulter Share Share Email Not only does your credit score evolve (typically covering six-year periods) as your borrowing and payment history matures, it’s also determined by three potential sources that report varying numbers based on different types of credit scores. It’s […]
What is a Good Credit Score?
What is a Good Credit Score? Credit for Beginners by David B. Coulter Share Share Email A good credit score is a credit score of 700 or higher. Your credit score is one of the most crucial elements affecting your economic potential. Whether you’re just starting your financial journey, looking to apply for a loan, […]
Why Doesn’t My Credit Card Ever Show a Zero Balance On My Credit Reports?
Why Doesn’t My Credit Card Ever Show a Zero Balance On My Credit Reports? Credit Cards by John Ulzheimer Share Share Email This is one of the most frequently asked questions and one of the most misunderstood aspects of credit reports and credit card bills. To understand why your credit card balance never shows as […]
What Credit Card Balance Will Show Up On My Credit Report?
What Credit Card Balance Will Show Up On My Credit Report? Credit Cards by John Ulzheimer Share Share Email Q: John, I was reading a couple of your articles and I have a question.I just opened a credit card with a pretty low credit limit, $2,000. I know I need low credit card utilization or […]