All articles tagged: “Credit Reports”

(51 total)

Guide

39,618 views

15 min read

7 Best Credit Monitoring Services With FICO Scores (Feb. 2024)

7 Best Credit Monitoring Services With FICO Scores

Credit monitoring services play a vital role in today’s financially interconnected world by allowing you to keep an eye on your credit status.... read more »

Eric Bank

By: Eric Bank • 12/11/23

Guide

41,400 views

9 min read

5 Best 3-Bureau Credit Monitoring Services (Feb. 2024)

Best 3-Bureau Credit Monitoring Services

Enrolling in a credit monitoring service is one of the best ways to stay on top of your credit. These services offer daily or monthly Equifax,... read more »

Ray Prince

By: Ray Prince • 11/16/23

Guide

79,568 views

3 min read

What Is Credit Mix?

What Is Credit Mix?

It’s not unusual to read articles about credit scoring and the various categories of metrics that influence your credit scores. What is unusual,... read more »

John Ulzheimer

By: John Ulzheimer • 7/3/23

Guide

100,000+ views

7 min read

10 Common Credit Questions Answered by an Expert

10 Common Credit Questions Answered

On the surface, credit reports and credit scores are pretty straightforward. You can quickly find important and accurate information from widely... read more »

Erica Sandberg

By: Erica Sandberg • 5/4/23

Guide

100,000+ views

7 min read

6 Credit Reporting Changes That Favor the Consumer

6 Credit Reporting Changes That Favor the Consumer

Criticizing the credit reporting agencies or the credit scoring companies is almost a national pastime. Nobody likes credit bureaus, credit... read more »

John Ulzheimer

By: John Ulzheimer • 3/1/23

Guide

100,000+ views

5 min read

How to Check Your Credit Reports on AnnualCreditReport.com

3 Steps: How to Use AnnualCreditReport.com

Your credit can have a tremendous influence on your overall financial health. Good credit makes it easier to obtain more affordable financing... read more »

John Ulzheimer

By: John Ulzheimer • 9/12/22

Guide

100,000+ views

5 min read

What Do Lenders Report to the Credit Bureaus?

What Do Lenders Report to the Credit Bureaus?

When you apply for and take out a loan, you agree to make payments to your lenders and return their money, plus fees and/or interest. Loans can... read more »

John Ulzheimer

By: John Ulzheimer • 6/21/22

Guide

100,000+ views

5 min read

What Are Derogatory Credit Entries?

What Are Derogatory Credit Entries?

Your credit reports are loaded with information, including personal data, employment information, public records, collections, credit inquiries,... read more »

John Ulzheimer

By: John Ulzheimer • 5/31/22

Guide

100,000+ views

5 min read

How to Read a Credit Report

How to Read Your Credit Report

If you have a goal to earn and maintain solid credit scores, it’s critical to keep a close eye on all of your credit reports.  Frequently... read more »

John Ulzheimer

By: John Ulzheimer • 3/23/22

Guide

100,000+ views

13 min read

5 Ways to Legally Remove Items From Your Credit Report

5 Ways to Legally Remove Items From Your Credit Report

Your credit score can be a passport or an obstacle to a better lifestyle, which is why you may want to legally remove items from your credit... read more »

Eric Bank

By: Eric Bank • 3/8/22

Guide

100,000+ views

5 min read

What’s In My Credit Reports?

What's In My Credit Reports?

A credit report is simply a record indicating how well, or how poorly, you’ve managed your credit obligations in the past. Think of them as you... read more »

John Ulzheimer

By: John Ulzheimer • 3/1/22

Guide

100,000+ views

5 min read

8 Ways the Fair Credit Reporting Act Protects You

8 Ways the FCRA Protects You

The Fair Credit Reporting Act (FCRA) is a consumer protection statute that Congress passed in 1970. In this context, a statute is a federal law,... read more »

John Ulzheimer

By: John Ulzheimer • 10/4/21

Guide

100,000+ views

5 min read

What Do Lenders See During a Credit Check?

What Do Lenders See During a Credit Check?

Before you apply for new financing, such as a credit card or mortgage, it’s wise to consider the factors your lender will likely examine when it... read more »

John Ulzheimer

By: John Ulzheimer • 6/30/21

Guide

100,000+ views

3 min read

The 3 Credit Reporting Agencies: Equifax, TransUnion, and Experian

The 3 Credit Reporting Agencies

When you apply for a credit card, a loan, or any other form of credit, the lender will check your credit reports as part of your application and... read more »

John Ulzheimer

By: John Ulzheimer • 1/1/20

Guide

100,000+ views

3 min read

How to Remove Late Payments from Your Credit Report

4 Ways to Remove Late Payments from Your Credit Report

If you’re interested in learning about how to remove late payments from your credit report, read on for our recommendations and see if one of... read more »

Brittney Mayer

By: Brittney Mayer • 6/12/18

Guide

100,000+ views

3 min read

What Does “Derogatory” Mean on a Credit Report? (Feb. 2024)

What Does “Derogatory” Mean on a Credit Report?

If you’ve seen the word derogatory on your credit report, you may understand that it’s probably not good. But you may also be wondering what,... read more »

Brittney Mayer

By: Brittney Mayer • 3/22/18

Guide

100,000+ views

3 min read

How Long Do Late Payments Stay on Your Credit Report?

How Long Do Late Payments Stay on Your Credit Report?

Maybe you’ve had some missed credit card payments here and there but you’re ready to put those tardy payments behind you. Below, we’ll take a... read more »

Ashley Fricker

By: Ashley Fricker • 2/28/18

Guide

100,000+ views

3 min read

2 Steps: How to Remove Disputes From Your Credit Report

How to Remove Disputes From Your Credit Report

If you’ve recently discovered some erroneous information on your credit history, you’re likely wondering how to remove disputes from your credit... read more »

Brittney Mayer

By: Brittney Mayer • 2/17/18

Guide

100,000+ views

3 min read

3 Reasons Why It’s Crucial to Monitor Your Credit Report  (Feb. 2024)

3 Reasons Why It’s Crucial to Monitor Your Credit Report (Feb. 2024)

How often do you check your bank account? If you’re like most Americans, you probably log into your mobile banking account or mobile app... read more »

Josh Smith

By: Josh Smith • 1/10/18

Guide

100,000+ views

3 min read

How to Remove a Court Judgment from Your Credit Report

How to Remove a Court Judgment from Your Credit Report

My high-school friend, Cindy, was the envy of many when she got a car for her 16th birthday. Unfortunately for Cindy, she crashed that car not... read more »

Brittney Mayer

By: Brittney Mayer • 11/30/17

Guide

100,000+ views

3 min read

How to Remove Negative Items from Your Credit Report Before 7 Years

How to Remove Negative Items from Your Credit Report

All throughout grade school, we’re taught to live in fear of the Permanent Record, a nebulous file that forever documents our every schoolyard... read more »

Brittney Mayer

By: Brittney Mayer • 10/31/17

Guide

100,000+ views

3 min read

How Long Does a Foreclosure Stay on Your Credit Report?

How Long Does a Foreclosure Stay on Your Credit Report?

As a residential real estate contractor, my friend John spent the first half of the 2000s thriving, taking advantage of the real estate boom that... read more »

Ashley Fricker

By: Ashley Fricker • 10/13/17

Guide

100,000+ views

3 min read

2 Expert Tips: How to Remove Inquiries from Your Credit Report

How to Remove Inquiries from Your Credit Report

Regardless of the party requesting access, each time someone checks your credit report, the action results in a credit inquiry being recorded on... read more »

Ashley Fricker

By: Ashley Fricker • 9/27/17

Guide

100,000+ views

3 min read

How Long Do Hard Inquiries Stay On Your Credit Report?

How Long Do Hard Inquiries Stay On Your Credit Report?

As a record of each consumer’s credit history, consumer credit reports have become an integral part of the modern financial landscape. Each... read more »

Ashley Fricker

By: Ashley Fricker • 8/22/17

Guide

100,000+ views

5 min read

6 FAQs: Credit Report “Charge Off” Meaning & How to Remove It (Feb. 2024)

What it Means to Have a Credit Report Charge Off

Every industry has a collection of terms and phrases specific to that industry, often called “jargon.” For instance, the medical profession is... read more »

Brittney Mayer

By: Brittney Mayer • 5/25/17