How to Manage Your Credit During Financial Hardship
How to Manage Your Credit During Financial Hardship Credit Monitoring by David B. Coulter Share Share Email It can be a chore to stay on top of all things credit-related during normal times. But it’s particularly critical that you know how to manage your credit during financial hardship. If you lose your job or a […]
Why Did The Credit Bureaus Deny My Credit Application?
Why Did The Credit Bureaus Deny My Credit Application? Bankruptcy by John Ulzheimer Share Share Email The credit bureaus denied my credit application!! Wrong! This is one of the common fallacies abut credit bureaus. Credit bureaus compile the credit information supplied by data furnishers such as credit grantors (credit card issuers, mortgage lenders, auto finance […]
What’s a Credit Scorecard?
What’s a Credit Scorecard? Credit Monitoring by John Ulzheimer Share Share Email Within each credit scoring system there is a series of scoring models, or mini-models as some have called them. These mini-models are called scorecards. Now, let’s not confuse the issue with a bunch of techie mumbo jumbo. A scorecard is a unique scoring […]
Should You Add Your Child to Your Credit Card Account?
Should You Add Your Child to Your Credit Card Account? Credit Cards by David B. Coulter Share Share Email Good parents are continually seeking ways to improve the opportunities and security of their children. As a child enters early adulthood – beginning to drive and travel on their own – having access to a credit […]
Who’s Right About Credit Report Errors…Consumers or the Industry?
Who’s Right About Credit Report Errors…Consumers or the Industry? Credit Cards by John Ulzheimer Share Share Email I’ve written about credit report errors several times over the past 9 years and the topic is what we in the writing world refer to as being “evergreen”, meaning it’s timely regardless when it’s published. As such, here’s […]
How to Place a Credit Freeze
How to Place a Credit Freeze Credit Monitoring by David B. Coulter Share Share Email If you have been a victim of identity theft or suspect cybercriminals are abusing your personal information, identity theft insurance is one of the best weapons you can have in your arsenal. With a credit freeze, you are able to […]
How Often Is Your Credit Score Updated?
How Often Is Your Credit Score Updated? Credit Monitoring by David B. Coulter Share Share Email For those working on improving their credit, seeing changes is important. But, how often is a credit score updated and when should you expect to actually see that number budge? As a general rule, expect to see changes within […]
How Much Of Your Credit Card Limit Should You Use?
How Much Of Your Credit Card Limit Should You Use? Credit Cards by David B. Coulter Share Share Email It can be exciting when, signing up for a new credit card, you discover that the bank is offering you a higher borrowing limit than you first anticipated. Recognizing that, with your three credit cards, you […]
How Often Do I Get a Free Credit Report?
How Often Do I Get a Free Credit Report? Credit Monitoring by John Ulzheimer Share Share Email In the world of credit there are plenty of things to be confused about. Credit scoring, risk management, insurance scores, employment screening, pre-screening, the value of credit inquiries…one thing after another. What I never thought would be confusing […]
What is the impact of a credit dispute on my credit reports?
What is the impact of a credit dispute on my credit reports? Credit Cards by John Ulzheimer Share Share Email When you get a copy of your credit report you should review it for accuracy. If you find any errors on your credit reports you should contact the credit bureaus and dispute the information. The […]