Credit Scores

Credit scores play a huge role in your financial and personal life. Credit scores impact your ability to get a mortgage or rent an apartment, they determine whether or not you will get approved for a student loan or credit card, and your credit scores even influence the rates you pay on car insurance.

For those looking for a job, credit scores are equally important since many employers are checking job applicants’ credit ratings before determining whom to hire. The best way to stay on top of your credit health is to check your credit reports at least once a year and review your credit scores as well. The most common type of credit score is the FICO score. It ranges from 300 to 850 point. The higher your credit score, the better off you are financially.

credit file dispute

How to Handle a Credit File Dispute

Q: I disputed wrong info in my credit file but i’m not satisfied with the results. What else can I do? A: Anytime you dispute

what is a good credit score

What Is Considered a Good Credit Score?

FICO credit scores range from 300 to 850 points. Banks and other lenders now want to see 700 credit scores and higher, which is all

A dense crowd of people walking closely together. Most individuals have their backs to the camera, and the image is focused on the top of their heads and shoulders, reminiscent of a mass gathering driven by urgent concerns like dealing with bad credit.

How Many People in America Have Bad Credit?

Out of the roughly 220 million Americans that have credit files maintained by the “Big Three” credit bureaus (Equifax, Experian, and TransUnion), about 1 out

improve your credit

First Step To Improve Your Credit Score

If you want to acquire top-notch credit, the first step in doing so is to: a) Pull each of your credit files from the three

Public records

How Public Records Impact Your Credit Score?

Any “Public Records” listing in your Equifax, Experian or TransUnion credit report will seriously lower your credit scores. Although the “Account Summary” section of your

What Information Is Found In My Credit Reports?

Regardless of whether you pull a credit report from Equifax, Experian or TransUnion, all credit files contain information that can be summarized into five categories:

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