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What Is Inside Credit Report?

By this point in time we all know, or at least we should, that we can get a free copy of our credit report at least once per year from each of the three credit rating agencies, TransUnion, Experian and Equifax. It is also common knowledge that our credit report affects virtually every aspect of our . . . → Read More: What Is Inside Credit Report?

Credit Score Definition and How It Affects Your Loans

Even today, with all the information available on the Internet, on television and radio, there is still a good bit of misunderstanding regarding the difference between a credit report and a credit score. The two are interrelated, but it is still good to know a credit score definition and how it affects your loans.

Understanding Your Credit . . . → Read More: Credit Score Definition and How It Affects Your Loans

Is One Time Credit Report Enough?

While it is true that the government enacted a law stating that every consumer is entitled to a free annual credit report from each of the three major reporting agencies in the United States, is one time credit report enough? Perhaps many years ago a one-time credit report would have been adequate, but in . . . → Read More: Is One Time Credit Report Enough?

Is My Annual Credit Report Free?

For several years running now we have all been inundated with those TV commercials about getting a free annual credit report which leaves us wondering, is my annual credit report free? Actually, the government took the guesswork out of that by enacting a Federal law which stipulates that every consumer is entitled to one . . . → Read More: Is My Annual Credit Report Free?

Free Credit Score from Government Site

The average person knows that their credit rating is of vital importance in every aspect of his or her life, but there is still some amount of confusion as to the difference between a credit report and a credit score. There is a government site set up for getting your free annual credit report . . . → Read More: Free Credit Score from Government Site

Reduce Debt and Boost Credit Scores

Recent reports by the Federal Reserve show that there has been a significant drop in U.S. consumer debt for the last seven quarters. The total amount has decreased by $992 billion from its highest point in the recent past. The reports have also confirmed that U.S. consumers have ‘deleveraged’ by $1 trillion approximately since the third quarter of 2008. Further more, the credit card debt levels have apparently dropped by $8 billion in the month of September.

Continue reading Reduce Debt and Boost Credit Scores

Experian: Auto Credit Continuing To Loosen, Loan Amounts Up

For the past two years, purchasing a vehicle or borrowing finances in terms of loans involved the right amount of credit terms and a high credit score. However, due to the recent tightening of finances and credit, the borrowers who would have been ‘green lighted’ in the past will now face problems. High level of risks . . . → Read More: Experian: Auto Credit Continuing To Loosen, Loan Amounts Up