Credit Report & Scores

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Contact Information for Medical Collection Accounts

On my credit report there are two collection items. One says Medical Payment...

What’s the best way to build credit for teenagers?

Establishing credit and learning to use it wisely when you are a teenager can...

Why Do I Have So Many Credit Scores?

The world of credit scores can be complicated and hard to follow. The key...

Inquiries from Utilities on Your Credit Report

How do inquiries from utility, cable television/internet, cellular telephone and residential rentals impact...

What’s the Difference Between Freezing or Locking My Credit?

Both freezing and locking prevent potential lenders from accessing your credit file, and a...

Authorized User Account Impeding Home Purchase

I have a question regarding authorized users. I put my son on...

How Much Available Credit Should I Have?

Often people wonder how much of their available credit they should be using at...

Mistakenly Reported as Deceased

I am listed as deceased on my credit history. How can I change...

Does closing a bank account affect your credit?

Bank account information is not part of a credit report. Therefore, when you close...

What is a charge off and collections and how long can they stay on your account?

The term “charge-off” describes the status of an account when it has become severely...

The Impact of Requesting Lower Credit Limits

If I lower my credit limits on my credit cards, does that lower...

FICO® Score: What It Is and Why It’s Important

A FICO® Score is one of the credit scores most commonly used by lenders...