Most people recognize the importance of their credit score and its effect on their ability to borrow money. It affects not only your ability to get a loan, but also under what terms and at what rates of interest. But credit scores have an impact beyond credit. One of the biggest areas is in regard […]

We all know that bad credit hurts your credit profile and credit score. But how long does bad credit have that effect? It really depends on the type of credit where the derogatory information is being reported. But ultimately all bad credit information does eventually disappear from your credit report. Negative Credit Reporting is Limited […]

If you are considering subscribing to an online credit reporting service so that you will have access to your credit report, it may not be necessary. You can get your free credit report from the major credit bureaus without having to use a third-party service at all. You Have a Right to Your Credit Report […]

As a new college graduate you are setting up all kinds of patterns in your life. Some will be good, and others not so good. Which direction they take will depend on how you handle them. Credit is an excellent example. Many new college grads mess up their credit, either because they don’t fully understand […]

Once you put all the work into cleaning up your credit history you want to see your efforts pay off fast. That makes sense. The reality is the speed at which your credit improvements are reflected in your score can sometimes be manifest quickly and other times rather slowly. The same holds true with credit […]

You can dispute an error on your credit report. Though it’s a fairly difficult process, it is doable, but you have to be well organized and fully prepared to see it through to the end. Here’s what you need to do to dispute an error. Facing Credit Reality: You’re Guilty Until Proven Innocent If you […]