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 […]
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 […]
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 […]
What Happens To Your Credit Report When You Die?
What Happens To Your Credit Report When You Die? Credit Cards by John Ulzheimer Share Share Email The topic of this article comes across almost like a stupid question. What happens to your credit report when you die? This guy on the left came to visit so who cares? You’re dead and I’m sure you’ve […]
Why should I monitor my credit report?
Why should I monitor my credit report? Credit Monitoring by John Ulzheimer Share Share Email There are three key ways to monitor your credit report. One is to obtain your one free credit report annually from each of the three credit reporting agencies – Equifax, Experian and TransUnion. The second is to purchase your credit […]
Does Buying Your Credit Report or Score Online Lower Your Credit Scores?
Does Buying Your Credit Report or Score Online Lower Your Credit Scores? Credit Cards by John Ulzheimer Share Share Email “John, I have heard in the past that buying a credit report, credit monitoring service or a credit score from any of the retail credit websites will hurt your credit scores. I would like to […]
I have a credit report, why don’t I have a credit score?
I have a credit report, why don’t I have a credit score? Credit Cards by John Ulzheimer Share Share Email In order to have a credit score, you must have a credit report. The reason is that score is calculated from the data on the credit report. The credit report information has to be current […]
CFPB launches credit report complaint database
CFPB launches credit report complaint database Credit Cards by John Ulzheimer Share Share Email The CFPB just announced their new online credit report complaint database. Credit reporting agencies like TransUnion, Experian, and Equifax, provide reports and credit scores that effectively tell lenders what sort of human being you are. Your credit reports influence whether or […]
Simple Steps to Disputing Credit Report Errors
Simple Steps to Disputing Credit Report Errors Credit Monitoring by Maria Shahid Share Share Email Credit report errors are quite common, which makes knowing how to dispute them very important. But how exactly can a credit report error affect you, and what do you do if it happens to you? If you find something in […]