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| Articles about
Credit Reports
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to more articles at bottom of page |
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Credit Report Errors
I am correcting an item in my credit report. I requested the report
from Equifax.  Should I also request (and correct) reports from
Experian and Trans Union? I can see a situation where I've corrected
it with Equifax, but a lender uses a different agency. Do these
companies share information?
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Credit Card Balance Transfers
I would like to use a credit card introductory rate to pay off
a bank loan. I will need to borrow $13,000.00 credit to pay off the
loan. I have heard that if my credit
report shows too many credit card company requests within one year
that I will be turned down for new credit cards...
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 Building Credit
Dear
Dollar Stretcher,
I am a college student looking for a credit card. When I tell my
parents this they say, "no, you don't need one". I feel
that I am financially responsible and in control of my money. I am
not looking to spend money I don't have but merely to build credit.
I've read all about college kids in debt, etc. But what about the
rest of us that are responsible and ready to start our lives? How do
I even get a credit card? And is there any better way to build
credit? |
|
 Credit
Repair and Reporting Quiz
Credit Repair Scams abound today. Every
time you turn on the TV or read a newspaper it seems that someone is
promising to improve your credit rating. Take this quiz to improve
your awareness of credit repair scams, and don't get ripped off. |
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 Debt Collection
Dear Dollar Stretcher,
I had an outstanding judgment against me for $1,000 to pay off an
apartment lease that was broken when my ex-husband and I divorced.
The total amount owed prior to the judgment was $1,700. The
third-party collector who's been calling me insists that I pay that
amount. The court said I owe $1,000 which has been paid in full.
What can I tell the collector to make him go away? |
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 Transfer Credit Card Balances
My
husband and I filed for bankruptcy in 1995. Since then we have
established good payment records with high interest credit card
companies. I'm ready to drop them and transfer my balances to a
lower interest rate card(s). I've had my existing accounts for
several years (or more), plus we just bought a house, so I think we
deserve better interest rates. I called my accounts personally, but
they don't offer better rates, only a larger line of credit.
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 Identity
Theft--A Personal Story
I called the credit card company, and came to find out that
someone else had signed up for the card, they had my name, my
social security number, my address...
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Negotiating
a Payoff
I was told that I could call my older credit card
banks, and "negotiate" a payoff of the
account if I close the account. Is this true, and if
so how will it impact my credit rating? |
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Answers
to many common questions concerning credit scoring written by the
credit scoring experts at MyFico.com®
Getting Better, Cheaper Credit
