Credit Reports & Scores

How Can Credit Affect Your Relationships?

The advent of Valentine’s Day means more than just a time to celebrate love (and boxed chocolates), it’s also a time to think about the ways that relationships affect all the parts of your life – including your financial life. Every year, there are stories on the costs of being in a relationship. But, rather […]

  • Feb 10, 2016

How Long Does Negative Information Stay on My Credit Report?

A credit report is like a financial résumé. It contains information about how you’ve managed your financial obligations, like paying your bills on time and maintaining low balances. It also shows areas where you might need a little improvement. All this information is used to determine your creditworthiness, and it’s the areas for improvement that […]

  • Dec 22, 2015

What Do Employers See When They Check Your Credit Report?

You’ve made it past the phone interview and two in-person meetings with your potential supervisor and the hiring manager. You might think to yourself, “I nailed it! This job is mine.” Then you find out the company wants to screen your credit report before extending you an employment offer. Joy can quickly turn to panic […]

  • Nov 13, 2015

Moving? Check Your Credit Report First

Your credit picture shouldn’t be a mystery as you change up your living situation. Be armed with current knowledge about your report information and scores.

  • May 06, 2015

Infographic: Reading a Credit Report

Ensure you look over your personal information, accounts, inquiries and any negative information when scanning your credit reports.

  • Apr 07, 2015

What You Should Know about Credit Bureaus

Your credit report and scores are important indicators of your overall financial health. But what do you know about the organizations that compile credit information, generate reports and calculate credit scores?

  • Mar 27, 2015

Small Business Loans

As a new business owner, credit might possibly be the last thing on your mind. After all, how does it relate to your million-dollar idea? You may be surprised to hear that the success of a new small business can depend largely upon the creditworthiness of its owner. Whether it’s space, equipment or adding employees to the […]

  • Mar 20, 2015

Top Bankruptcy Basics

When your monthly bills are more than you can manage, bankruptcy may seem like your only way to get out of debt. But while bankruptcy can provide debt relief to consumers who can’t pay their bills, it’s a complex legal process that can seriously impact your credit for up to a decade. Before you decide […]

  • Mar 16, 2015

How Long Will a Paid-Off Mortgage Appear on Your Credit Report?

Whether you’re in the position to pay off your mortgage today, or you’re wondering what will happen when you’re eventually able to hold your house debt-free, someday you might not owe anything on your house anymore. When that happens, it will likely have a long-lasting impact on your credit. The Lifespan of Your Mortgage Your […]

  • Mar 13, 2015

Types of Debt

Debt can take many forms, and be generated through just as many types of lenders–whether loaned by a family member or a major bank. Need to broaden your knowledge of different types of debt? Links in the bullets below can take you to more information about specific types or the terms that relate to them. Credit card – When utilizing […]

  • Mar 06, 2015

What Would You Do If Someone Asked You To Cosign A Loan?

What would you do if a friend or family member asked you to cosign a loan? Before you answer, make sure you understand what your obligations could be. When you cosign a loan, you’re agreeing to repay the lender if the primary borrower defaults. You’ll be assuming the debt and all the credit implications associated […]

  • Feb 25, 2015

Divorcing? Protect Your Credit

Is it time for you to consciously uncouple? You’re not alone. As you prepare to start the process, know that you’ll be separating the parts of many layers of your life, certainly to include your assets and finances. While it may not mean that both parties can maintain the same level of accustomed lifestyle, you can still […]

  • Feb 23, 2015

How Can Divorce Impact Your Credit?

Divorce ends a marriage but it does not instantly dissolve all financial connections. When you’re going through the emotional turmoil of a divorce, the impact on your credit may be the last thing on your mind. It’s important, however, to understand how divorce may affect your credit. In many cases, your divorce settlement will decide […]

  • Feb 20, 2015

Strategies for Credit Newcomers to Build Credit History

Whether someone was born here or has emigrated to the U.S., achieving the American dream takes hard work – and good credit! It’s often a prerequisite for many of the things commonly associated with the American ideal – such as buying a home, buying a car and pursuing higher education. For young people starting out in life […]

  • Feb 13, 2015

When You Settle a Debt, What Happens to Your Credit Scores?

A job loss, overspending, the death of a spouse – there could be many reasons why a person is unable to repay a debt. When someone can’t pay a bill, some people will simply stop paying their creditors and will default on the debt – an action that can have serious implications for their credit. Another […]

  • Feb 11, 2015

Can Disputing a Charge Change My Credit Scores?

When a charge you don’t recognize appears on your credit card statement, do you know what to do to dispute it? If a company continues to bill you for merchandise you returned, what can you do? And, what do you do if disputing a charge might change your credit scores? Your credit scores shouldn´t fall […]

  • Feb 02, 2015