We have received so many questions over the past few weeks about getting your own credit reports.  Here is what you need to know:
YOU CAN CHECK YOUR CREDIT REPORT AT NO COST TO YOU
Everyone is entitled to one free report annually from each of the three credit bureaus for a total of THREE free reports [...]

Studies show that 79% of all credit reports contain errors.  Additionally, 25% of credit reports contain errors serious enough to result in a denial of credit.  So how do errors get on the reports?   Before we talk about how mistakes happen, we should to review how the credit report itself is developed.
Lenders who have extended credit [...]

We all know that credit reports and scores are important factors in getting approved for a loan and in determining the interest rate that will be charged on those loans.  And it is a factor used to determine insurance rates.  Credit is also important when it comes to getting and keeping a job.
Many companies include [...]

I’ve talked to several people this week who want to get better credit scores and find they have something negative on their credit report even though they had taken care of it years ago.  I ask, “Did you get something in writing saying that it was paid off?  Or saying that it will not be [...]

When someone files bankruptcy (BK), it has an impact on their credit.  We get many questions about what stays on the credit report after bankruptcy and how long it can be there.
THE BANKRUPTCY ITSELF
Whether you file Chapter 7 or Chapter 13, it will be listed in the Public Record section of your credit report.  This item can stay [...]

Does a cell phone contract help your credit?   Great question from one of our clients this week.  The short answer is no.  However…..with almost everything related to the topic of credit scores, there is a longer answer that must also be given.  Unless you are getting the pre-paid cell phones, this article is for you.
When [...]