Best Practices For Credit Card Use?
Best Practices For Credit Card Use? Credit Cards by John Ulzheimer Share Share Email The following are some best practices for consumers who are new to credit cards. This is, by no means, meant to be an exhaustive list of do’s and don’ts. But, these will help if you’re breaking in plastic for the first […]
Why Are My Scores Different Across Credit Reporting Agencies? Shouldn’t They Be The Same?
Why Are My Scores Different Across Credit Reporting Agencies? Shouldn’t They Be The Same? Credit Monitoring by John Ulzheimer Share Share Email Circa 1997, the question posed in this article’s title was one of the questions I was asked during my interview at FICO. Thankfully I answered correctly! Credit scores are built using credit data […]
How Can I Get Great Credit Scores?
How Can I Get Great Credit Scores? Bankruptcy by John Ulzheimer Share Share Email How you pay your bills or your payment history represents 35 percent of the points in your credit score, which is the largest component. This is over one-third of your score. This includes both current and past payments. But paying your […]
What is a Credit Freeze?
What is a Credit Freeze? Credit Monitoring by John Ulzheimer Share Share Email A credit freeze is used to prevent potential lenders or other businesses from reviewing your credit reports and credit scores without your consent. This prevents identity thieves from opening credit accounts in your name, even if they have your social security number […]
Should I Use a Personal Loans to Pay off Credit Card Debt?
Should I Use a Personal Loans to Pay off Credit Card Debt? Auto Loans by John Ulzheimer Share Share Email I’ve been asked a thousand times what is the best way to get out of credit card debt. My first response is always, “write a big check.” And while that answer might sound absurd you’d […]
Would You Buy a Credit Score if The Website Said This…
Would You Buy a Credit Score if The Website Said This… Credit Cards by John Ulzheimer Share Share Email If you don’t live in Utah you probably have never heard of Representative Paul Ray. And, you’ve probably never heard of H.B. 158, more commonly referred to as the Consumer Credit Protection Amendments. The bill, if […]
How Your Credit Score Can Affect Employment Opportunities
How Your Credit Score Can Affect Employment Opportunities Credit Score by David B. Coulter Share Share Email It’s common knowledge that your credit score is a determining factor in securing a loan or mortgage, but did you know that a bad credit score can make your job hunt more difficult? When an employer does a […]
Can I Close On A Loan While My Credit Report is in Dispute?
Can I Close On A Loan While My Credit Report is in Dispute? Auto Loans by John Ulzheimer Share Share Email In what’s becoming a fairly common occurrence, consumers who have active credit report disputes are finding it hard to close on loans. Consumers have the right to challenge items on their credit reports with […]
How do lost or stolen credit cards impact my credit reports?
How do lost or stolen credit cards impact my credit reports? Credit Cards by John Ulzheimer Share Share Email When you determine that your credit card has been lost or stolen, the first thing you need to do is contact your credit card issuer and each of the three credit bureaus; Equifax, Experian and TransUnion. […]
The Current State of Credit Scoring
The Current State of Credit Scoring Credit Monitoring by David B. Coulter Share Share Email During a pandemic, understanding your credit score with the help of credit monitoring services is crucial. Not only can it impact whether or not you can lease a car to make it to your new job, but you’ll need a […]