The question keeps coming up about which credit scores to get when you want to check your own credit.   Short answer: FICO Scores.
FICO scores, based on the formula developed by the Fair Isaacs Corporation, are the industry standard.  All the other scores are ‘consumer scores’, most of them developed and marketed by the credit bureaus [...]

We hear this all the time: “I paid that collection.  Why is it still on my credit report?”
A paid collection is a negative item.  Just because it has a zero balance does not mean it goes away or changes to a positive item.
WHAT TO DO
If you receive a collection call, tell them to put it [...]

We have a client who is finalizing their new home search to take advantage of the homebuyers tax credit.  As part of their Credit Building Plan, we recommended that all mortgage inquiries be done within a 14-day period.  This is due to the way the FICO scoring formula processes rate shopping.   All mortgage, auto and student [...]

We recently had a question about getting free credit scores.  And with the general public’s growing awareness of the importance of good credit and their credit scores, more and more people are interested.  So what to do and where to go?
The two sites being advertised the heaviest right now are the freescore and freecreditreport websites.   [...]

When we talk about our credit scores, we are referring to the three scores calculated on the information stored by the three major credit reporting agencies in the U.S. and Canada: Equifax, Experian and TransUnion.  Rarely are these scores exactly the same because of different information in your credit file at each of the three [...]

The sale on FICO scores at myfico.com has been extended through the end of the year.  From now until December 31st, you can save 26% so they only cost $11.80 each, instead of the regular $16.  That is for your Experian and Transunion credit reports WITH actual FICO scores, not “FAKOs”.   Remember, FICO is the [...]