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Do Installment Loans Have a Negative Impact on Your Credit Score?

January 21, 2017

An installment loan is a loan in which you receive a specific amount from the lender. You then repay that amount, along with interest and perhaps other fees, with...

How Often Should Credit Reports Be Reviewed?

January 21, 2017

At a minimum, you should review your credit report once every 12 months. You can receive a free copy of your credit report from each of the three national...

What Are Some Specific Reasons That a Credit Score Can Drop?

January 21, 2017

There are two factors that will always cause people’s scores to drop significantly: late payments and utilization rate. Late payments. The single most important indicator of credit risk is...

How Long Does It Take to Complete the Dispute Process?

December 30, 2016

In most cases, disputes are completed within 10-14 business days and quite often within two to three days. The length of time depends on the type of dispute and...

If My Credit Card Balance Is $0 Should I Close the Account?

December 30, 2016

The standard recommendation is to keep unused accounts with zero balances open. A zero balance on a credit card reflects positively on your credit report and means you have...

What Are Some Good Credit Tips for the New Year?

December 30, 2016

Here are three quick credit tips for the New Year: Get your credit report. It’s important to know what is in your credit report to ensure your credit information...

Is it better to pay the cards with the highest interest rate first or the most debt?

December 8, 2016

There is no “right” way to pay down your debt as long as you are making your payments on time. You should use whichever method works best for you...

How long does information stay on your credit score?

December 8, 2016

The length of time that information stays on your credit report depends on the type of information. Here’s a brief list of items and how long they will stay...

Can you talk about inquiries? What are inquiries?

December 8, 2016

An inquiry is simply a record that someone has looked at your credit report. There are two types of inquiries: soft and hard. Soft inquiries Soft inquiries are inquiries...

Is employment listed in your credit report?

November 29, 2016

The list of employers on your credit report is not meant to be an employment history. The employers you see listed on your credit report come from the information...

How long does a resolved tax lien stay on your credit report?

November 29, 2016

Paid tax liens are removed from your credit report seven years from the date they were filed. If left unpaid, tax liens remain on your credit report for ten...

What’s the difference between a VantageScore vs. FICO score?

November 29, 2016

The VantageScore and the FICO score are two different scoring models used by lenders to assess risk and creditworthiness. It’s like saying Ford and Chevrolet. They are two different...

Survey Results: When Divorce Does Damage to Your Credit

Learn how credit is impacted by divorce, and hear from survey respondents what they learned and would do differently