The Difference Between Credit Reports and Credit Scores

What is the Difference Between Credit Report and Credit Score

The credit industry often uses terms and abbreviations which are not fully understood by consumers. To make matters worse, sometimes uninformed members of the news media or even some self-proclaimed “experts” will misuse credit terms and perpetuate credit myths, occurrences which only add to consumer confusion about the subject of credit. So, what is the […]

What Can Be Disputed On a Credit Report?

Discovering negative information on your credit reports is never an enjoyable experience. However, when you believe that the negative credit information on your credit reports is incorrect your frustration can escalate to a whole new level. Fortunately, you have the right to dispute. What should be disputed on a credit report? Negative credit information is […]

How Your Credit Reports Could Change Drastically On July 1st

Equifax, TransUnion, and Experian have announced some huge changes in their credit reporting policies which will be introduced on July 1, 2017. The 3 major credit reporting agencies (CRAs) will soon be removing the vast majority of tax liens and about half of the judgments from the credit reports of American consumers in just a […]

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 […]