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| Articles about
Credit Reports
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Thanks!
And a Question About FICO Scores
 Hi,
Scott, FICO scores seem like the king of the credit world, and the
scoring system is so secret and counterintuitive that it's
frightening to me to make ANY changes with my credit card
"portfolio". I'm eager to pursue more of your advice, but
am terrified of damaging my credit score (which is in the low-mid
700's)....Thanks again! Love your stuff. Judd
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How
to Correct Mixed or Split Credit Reports
 Credit
reports contain errors on a regular basis.
So, before applying for new credit or beginning your credit
repair journey make sure that all of the information contained in
your credit report is yours.
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Bogus July 1 Email
Exposed: The Real Deal on Your Credit File Privacy
"Just wanted to let everyone
know who hasn't already heard, the four major credit bureaus in the
U.S. will be allowed, starting July 1, to release your credit info,  mailing
addresses, phone numbers...to anyone who requests it. If you would
like to "opt out" of this release of info., you
can..."
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10
Credit Myths
 As
they say, "Knowledge is power." Many times people either
act on false information or fail to act because they didn't know
what could be done to their benefit. This is the case in many areas
in life, but on the top of that list is money. And in the money
category you will find lots of misinformation about credit.
There is so much to talk about on the topic of credit myth that an
entire book could be dedicated to it.
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Refinancing
And Your Credit Score
I purchased a 1999 Buick Regal right
before Thanksgiving. The loan was for a 14.5% interest rate. I was
told that I should wait at least one year before refinancing. If I
did otherwise it would look bad in my credit for not staying with
this company for at least a year. I am interested in shopping around
to see if I can  get a lower interest rate, but am uncertain due to
the information that was given. Should I shop around or wait until a
year has been completed?
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So
Far In Debt; Can't Seem To Breathe
Help please! I am so far in debt and
can't seem to breathe. I have 6 credit cards and I am $25,000 in
debt. I know you hear this all the time, I have been paying for over
2 years not charging anything and still can't get anywhere.  I cut
them 2 years ago, and called the companies to ask for a lower rate.
They gave me like a year with low interest, and lower payments so my
credit reports would not be hurt.
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Which Credit Cards Look Better on
Your Credit Report
 I have been told that certain credit cards (e.g. Capital
One, Cross Country, and others like those) do not carry a lot of
weight on your credit report. I was always under the impression that
all credit cards carried the same weight. What is the truth? |
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