Trended Data

If you have never heard of the term “trended data” before, then you need to pay close attention to this article. This somewhat recent addition (relatively speaking) to your credit reports could have a noteworthy influence over your credit scores and, by extension, your ability to qualify for loans and credit cards in the future. […]

Prescreened Credit Card Offers and Your Credit

Prescreened Credit Card Offers and Your Credit Your credit reports and scores are probably used for a lot more purposes than you even realize. Sure, you almost certainly are well aware that lenders generally check your credit reports and scores whenever you apply for a loan or a new credit card account. Sometimes 1 credit […]

Why Current Creditors Check Your Credit

Why Current Creditors Check Your Credit The accounts on your credit reports for the most part are firmly divided into two categories – installment debt and revolving debt. Yes, there may be some items on your credit reports which fall outside of these two categories such as judgments, tax liens, collection accounts, etc. Still, for […]

3 Ways to Delete Collection Account

Collection accounts are known to take a wrecking ball to credit scores. That is no secret. In fact, even paid collections accounts may continue to damage your credit scores nearly just as severely as unpaid collection accounts, depending upon the brand and generation of credit scoring model which is being used to calculate your credit […]