Can your landlord repeatedly pull your credit report anytime he or she wants?
A reader of AskTheMoneyCoach.com claims that their landlord is constantly pulling her credit report month after month.
Does she have the right to stop her landlord? Has your landlord pulled your credit report recently?
Watch this video to learn your rights as a tenant.
Checking your credit report at least once a year – even if you don’t use credit cards or have any loans – can help you correct any mistakes that could be hurting your credit score.
Every entry on your credit report will affect your credit score in some way, and many creditors do make the mistake of sending a duplicate entry on certain accounts. These duplicate “negatives” can have a very big impact on your credit score and might even prevent you from getting a loan.
Here’s what you need to do when you discover this type of mistake: [continue reading…]
A reader of AskTheMoneyCoach.com wanted to know how she can improve her credit score because she checked her three credit scores a few days ago and found that the lowest score was based on a credit report didn’t have all of her accounts listed.
So she wants to know what she can do. She pays all of her bills on time, and she feels as though one score is being held back by the accounts that are not listed. [continue reading…]
You likely already know that it’s a smart idea to check your credit reports annually.
In fact, by law, you’re entitled each year to one free copy of your credit reports from each of the country’s largest credit bureaus – Equifax, Experian and TransUnion. [continue reading…]
Credit monitoring is an electronic, subscription-based service for consumers who want to track their credit activity at the “Big 3″ U.S. credit reporting agencies — Equifax, Experian and TransUnion.
Credit bureaus, credit scoring firms and other companies typically sell credit monitoring services for a fee ranging from about $10 to $20 a month. But some companies offer free credit monitoring or trial periods where you can monitor your credit at no cost. [continue reading…]