Credit Report & Scores

Latest Articles

Individuals Cannot Report Their Own Accounts

How do I submit payment history for an account not listed on my...

How Divorce Can Impact Your Credit Scores

I read that divorce does not impact your credit scores, but I've heard...

What Is Chapter 7 Bankruptcy?

If you are unable to keep up with your credit card and loan payments,...

What Is Chapter 13 Bankruptcy?

Chapter 13 bankruptcy helps people struggling with debt by putting them on a repayment...

Is it best to pay collection accounts in full or negotiate for less than you originally agreed?

Whenever possible, it’s best to pay a collection account balance in full. Once the...

Revolving Credit: What It Is and How to Use It

Revolving credit is a type of debt generally associated with credit cards because as...

Recent Late Payments Hurt Credit Scores the Most

Why has my credit score dropped 42 points? There is a late payment...

Bankruptcy: Chapter 7 vs. Chapter 13

If you’re in serious debt and can’t keep up with repaying loans and credit...

Cleaning Up Your Credit Report Has Never Been This Easy

Around the time I file my taxes, I try to do some other financial...

How Can I Get Credit for the First Time?

“How can I get credit for the first time?” is one of the most...

Late Payments Not Deleted After Account Paid Off

I have paid off an account that previously had a late payment mark...

The Credit Diagnosis from Dr. FICO – Tom Quinn

We sat down with Tom Quinn, the vice president of Scoring at FICO during...