Credit Scores

Student loan providers often sell or transfer student loans to other companies in order to reduce their liabilities and earn a quick profit. Their business decision, however, can mean serious...

The information contained within your credit report is critical to your financial integrity. If you've had delinquencies in the past, you can look forward to the day when they will be removed from...

If your student loan has been sold or transferred to another lender but your credit report has not been updated, you could face serious credit issues until you successfully dispute the mistake,...

Having an inaccurate credit report can prevent you from getting credit cards, lines of credits and home loans. Inaccurate information contained in your credit report can also hinder job searches...

Maintaining a good credit score is more important than ever. Any errors on your report could unfairly have a negative impact on your report and score. Any error, especially one involving a...

About 78 percent of American households--about 91.1 million--had one or more credit cards at the end of 2008, according to Ben Woolsey of CreditCards.com. Personal debt has been tough to control...

Sallie Mae provides financing for private and federal student loans and as a creditor will report account information to the credit bureaus. Lenders use account history on credit reports to decide...

There are three major consumer credit reporting companies: Equifax, Experian, and TransUnion. By law, these companies must provide every American who requests one with a free copy of his credit...

Disputing an aspect of an Equifax credit report is as simple as filling out an online form on the company website, but doing so effectively requires documentation. The right to dispute a credit...

Removing erroneous information from your credit report is a critical step in maintaining your financial integrity. Luckily, disputing errors is usually a straightforward process that can help...

With loans becoming increasingly difficult to obtain, and credit card limits decreasing, consumers are becoming more concerned about what information is on their credit reports. Under the Fair...

When you request your free annual credit report, if you find errors, it is important that you contact the credit reporting agency to dispute the errors. Each agency has its own process for filing...

Bad credit can keep you from owning a house, car or sending your children to college. There is good news: You don't have to have it forever. "Cleaning" your credit report is the process of...

No matter what your credit situation is, the Fair Credit Reporting Act (FCRA) is a law designed to promote accuracy and fairness when a business reports information to the nation's consumer credit...

The Fair Credit Reporting Act (FCRA) allows you to dispute incorrect entries on your credit report. Military Money says the credit bureaus make mistakes frequently, as do the companies that report...

Experian is one of the three major credit reporting agencies, along with Equifax and TransUnion. Although all three agencies serve a similar function, they are entirely independent and do not...

Potential creditors, employers and landlords use information found on your credit report to evaluate your fiscal responsibility. This information can include credit card accounts, loans and even...

Your credit score can affect many areas of your life, including lending, purchasing property and automobile insurance as well as gaining employment. Because your credit score is so important, you...

To improve or restore your credit scores, you must initiate changes to your credit reports. While there are ways to gradually raise your scores, such as consistently paying your bills on time or...

TransUnion is a credit reporting agency founded in 1968. As of 2009, it maintains credit histories on about 500 million consumers worldwide, according to the company website. Credit histories...

As unfortunate as it is, individuals are judged on their credit rating. And even though this industry is not regulated and errors do happen quite often, we are still held to a credit score as a...

Since your ability to obtain financing may depend primarily on your credit score, credit repair companies have become popular resources for consumers to improve their credit. Credit repair...

Many people waist hundreds of dollars paying companies to repair their credit when all along they could have done it themselves. Learn how you can hold on to your money by repairing your credit...

The IRS, upon its discretion, may place a tax lien on your properties for your failure to pay your tax obligations within a specified time frame. This action gives the IRS legal claim on the...

Gain knowledge necessary to understand credit scores and types of credit risks. Knowing and understanding these terms is essential in today's society. Credit scores coincide with credit reports...

Your credit rating is vital to any application for new credit that you submit. Your FICO credit score ranges from 300 to 850. According to Bankrate.com, the best offers are usually for people who...

James Kemish of the Street Directory says that more than 100 million Americans have credit reports that contain errors. Often, the incorrect information hurts their credit score, makes them pay...

Having a good credit score is important because it may determine whether or not you qualify for a loan, what level of interest rates you receive, and even whether you are hired for a new job....

If you find mistakes in your credit report, it's up to you to initiate the process of getting them fixed. While the process can be lengthy and tedious, it is possible to successfully dispute...

If you've recently requested a copy of your free credit report, it's important to repair any errors you discovered. When your credit history contains errors that aren't repaired, the errors may...

No magic formula exists to repair the effect of a bad payment history on your credit report. But there are companies that can help you understand the laws regulating credit reporting and how to...

The Fair Credit Reporting Act, or FCRA, is a federal law that gives consumers certain rights. It covers the information that can appear in your credit report and how it may be used. Under the...

It is important to review your credit report periodically to ensure that it is both up to date and 100 accurate. If your credit report shows that there is a judgment filed against you, it can be...

Outline of the simple steps needed to repair your own credit.

Many companies offer to repair your credit for a fee, but you can do the same thing yourself at no cost. You are entitled to free copies of your credit reports each year, and you also have the...

When you buy something on credit, the business that extends you credit reports the transaction and all subsequent transactions related to the purchase to national credit reporting agencies. This...

Staying clear of credit trouble will help you save money and give you the relief of knowing that you have good credit. Don't let setbacks deter you, because you can be free of bad credit. Even if...

Your credit report is one of the most important documents in your life. It basically tells potential lenders, and creditors, whether or not you are a financially responsible person. Credit reports...

According to "Consumer Reports", on average there are 13 million erroneous credit entries reported by the credit reporting industry every year. Erroneous credit reporting practices can lower a...

You have to have a really high credit score to keep your self maintained in today's economy. So, if you need a really high score and yours is low then you need to know how to raise your credit...

If you're faithfully monitoring your credit reports, you may find some inaccurate information has been reported to the Big Three. You can always file dispute forms with the major credit bureaus,...

Credit clean up is not a fast process. It is, at best, somewhat lengthy. However by the time many people learn that credit clean up is even possible they are already working with a deadline in...

Knowing how to dispute a credit report item will enable you to dramatically improve your credit score in a short amount of time. Mistakes are made occasionally, and fraudulent accounts can appear...

Knowing how to dispute credit report information can be an invaluable tool if you are trying to repair your credit or find an error on your credit report. The process is not complicated or time...

Having poor credit can hold you back in so many ways but what you may not know is that having bad or poor credit could actually cost you a job. This is because believe it or not your employer...

When you have a foreclosure on your credit report, it brings down your credit score. You may feel that the foreclosure information is incorrect or unverifiable in some way. For example, your...

Equifax is one of the big three credit reporting companies. They keep track of everyone's credit ratings and history. It is very common for Equifax to have incorrect information on your credit...

To remove something from your credit report, you must first find out which credit reporting bureau has the questionable item in their records. There are three major credit reporting bureaus:...

Credit reporting bureaus make it their business to sell your credit history to companies you do business with. Sometimes the information the bureaus report is outdated or incorrect. If you have...

According to a study by the consumer group PIRG, 25 percent of credit reports contain errors serious enough to damage a consumer's ability to get a job, obtain new credit, buy a home or open a...