Credit Scores

When you’re trying to retire, you need to make sure you have a plan in place for your retirement. Here are some tips: Medicare isn’t cheap and it isn’t automatic. You’ll need to look at other policies. You might not be covered when traveling out of the country. If you move out of state you...

Small business owners at one point or another will find themselves in a place where they’ll need to run a credit check on a potential customer, even if it feels a bit uncozy. But it’s a relatively simple process. You just sign up for a free account through Experian as a small business owner and...

For those who need to improve their finances, there are a few things you can do to get your finances straightened out. Stick to a pre-set budget. Keep your will updated. Review your insurance coverage regularly. Pay off debt as quickly as possible. Put money into retirement and savings.

Each year, you’re allowed to do one hard credit report request to make sure your credit score is in a strong place. You can do that through the following steps: Visit: annualcreditreport.com Call: 1-877-322-8228 Mail a form to: Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281

Those with little to no credit history or between 500 and 600 on their FICO score may see an increase in loan opportunities. UltraFICO, a new type of credit score system, will help consumers establish a credit score based on their banking and savings habits rather than credit cards, loans and debts. It’s meant to...

Planning on popping the question? Well there are certain ways that your credit score might play a factor in that decision. Spray out payments if it’s not possible to make the purchase in one fell swoop. Use the credit card rewards to plan a honeymoon. Another great perk of rewards is finding cards that have...

If you’ve been in a car accident, you might be wondering how it could affect your credit score. Car accidents can cost up to $44 billion in medical care and lost work, but that doesn’t include property damage, injuries, and other more permanent side effects. While car accidents don’t directly affect your credit score since...

Barry Paperno, a consumer credit expert, says that you likely have dozens, if not hundreds, of credit scores that are calculated by applying a mathematical algorithm to the information in one of your three credit reports. He explains that the factors that make your scores go up or down in different scoring models are usually...

It is recommended to take the time once a year to check your credit report. You can request a free copy from each of the nationwide consumer credit reporting companies—Equifax®, Experian®, and TransUnion®. Remember that your credit score is not part of the report, and you can check it separately. It is important to go...

Having a short credit history is not helpful when you need to apply for a loan or take a mortgage. Some people have no credit card at all, and then no history when they need it or asked about that. It takes about three to six months from the time you start using a credit...