Pay Off Debt Faster With These Simple Monthly Budget Tips
Pay Off Debt Faster With These Simple Monthly Budget Tips Credit for Beginners by David B. Coulter Share Share Email Trying to figure out how to pay off debt faster? The interwebs will likely offer you countless budgeting tips that may or may not work for you — budgeting tips that suggest you stop buying […]
What Can I Do if My Credit File Is Mixed With Someone Else’s?
What Can I Do if My Credit File Is Mixed With Someone Else’s? Credit for Beginners by David B. Coulter Share Share Email Some mixes are legendarily good: peanut butter and jelly, cream cheese and bagels, rain sounds and sleeping in. Other mixes are a little less “Hey, I love Neapolitan ice cream!” and a […]
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 […]
With Holiday Season Just Around The Corner, A Review of Your Gift Card’s Protections
With Holiday Season Just Around The Corner, A Review of Your Gift Card’s Protections Credit Cards by John Ulzheimer Share Share Email When was the last time you tried to use an old gift card and found out, at the register, that the card had expired or the value was much less than when you […]
Can I Get An Auto Loan With Bad Credit?
Can I Get An Auto Loan With Bad Credit? Auto Loans by John Ulzheimer Share Share Email Periodically the Professional Risk Managers’ International Association (PRMIA) conducts a survey of bank risk professionals and lenders on behalf of FICO, the company that invented the credit score. A recent survey was conducted in June 2012 and received […]
Are We Better Off With the CARD Act, or Not?
Are We Better Off With the CARD Act, or Not? Civil Penalty by John Ulzheimer Share Share Email Between 2007 and 2009 most of the large credit card issuers were changing the terms of some of their customer’s accounts. The reason they did so was because of a general lack of comfort for credit risk […]
Why Won’t A Lender Let Me Provide Them With My Own Credit Reports and Credit Scores?
Why Won’t A Lender Let Me Provide Them With My Own Credit Reports and Credit Scores? Credit Monitoring by John Ulzheimer Share Share Email I got a fabulous consumer question today regarding a lender’s use of an “RMCR” credit report and why lenders won’t use credit reports provided by consumers for risk assessment. “John, I’m […]