Credit Report & Scores

Latest Articles

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...

Removing Inquiries for Multiple Loan Applications

While looking for a new car the auto dealer shopped the best rate...

How Long Does a Bankruptcy Stay on Your Credit Report?

When consumers have more debt than savings and are faced with mounting bills and...

Individuals Cannot Report Their Own Accounts

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