Does My Credit Report Combine With My Spouse’s Credit Report When We Get Married?
Does My Credit Report Combine With My Spouse’s Credit Report When We Get Married? Credit Report by John Ulzheimer Share Share Email From time to time I’ll receive questions from consumers regarding how their credit reports react to marriage. Many people believe that your credit reports and credit scores merge when you get married. This […]
Managing Credit Accounts and Finances for a Loved One
Managing Credit Accounts and Finances for a Loved One Credit Monitoring by David B. Coulter Share Share Email Imagine that the unthinkable happens and your loved one suffers from sudden memory loss or an extended illness. Would you be able to step in and take over their financial affairs? Perhaps you’re in that situation now. […]
If I order a copy of my credit report, will it hurt my credit scores?
If I order a copy of my credit report, will it hurt my credit scores? Auto Loans by John Ulzheimer Share Share Email When you get a copy of your credit report and/or monitor your credit, there is no impact on your credit or your score. A credit inquiry is recorded on your credit report […]
Is Credit Repair a Scam, or Does It Really Work?
Is Credit Repair a Scam, or Does It Really Work? Bankruptcy by John Ulzheimer Share Share Email Nothing polarizes credit industry players like the topic of credit repair. When you think of credit repair companies you might envision the sleazy business person bilking the uneducated consumer out of thousands of dollars while promising that they […]
Why Doesn’t My Credit Report Show That I Pay My Credit Card Bill in Full Each Month?
Why Doesn’t My Credit Report Show That I Pay My Credit Card Bill in Full Each Month? Uncategorized by John Ulzheimer Share Share Email I got this fantastic question via my Facebook this week. If you have a question for me feel free to ask it via Facebook or Twitter @johnulzheimer. Q: John, I enjoy […]
The FTC’s Credit File Accuracy Study…Fair and Balanced
The FTC’s Credit File Accuracy Study…Fair and Balanced Credit Cards by John Ulzheimer Share Share Email Yesterday the FTC released their long awaited credit file accuracy study. It consumed my day. I did 14 interviews with major media outlets and I went to bed dead tired at 8:00. But enough about me. While the press […]
If I Pay A Collection Will It Stay On My Credit Reports For Seven More Years?
If I Pay A Collection Will It Stay On My Credit Reports For Seven More Years? Credit Monitoring by John Ulzheimer Share Share Email I recently received this question from a reader regarding how to deal with old unpaid collections. “John, I am applying for a mortgage loan and the loan officer is telling me […]
How Can I Get A Collection Removed From My Credit Reports?
How Can I Get A Collection Removed From My Credit Reports? Credit Monitoring by John Ulzheimer Share Share Email First, how did the collection get there in the first place? After a lender has made many attempts to get you to pay a bill that is past due and has not been successful, they may […]
Credit Report Error Rates Vary Wildy, Depending on Study Authors
Credit Report Error Rates Vary Wildy, Depending on Study Authors Credit Report by John Ulzheimer Share Share Email Credit report error rates vary wildly, depending on who you believe, from less than 1% to almost 80%. There have been a small number of studies conducted on the topic and another is set to be released […]
Will An Eviction Show Up On My Credit Report?
Will An Eviction Show Up On My Credit Report? Auto Loans by John Ulzheimer Share Share Email An eviction from a rental property is not reported to the three consumer credit reporting agencies – Equifax, Experian and TransUnion. But (there is always an exception) this information could be reported as a collection or judgment on […]