Credit Report Articles

Credit reports can be confusing. Our experts are committed to demystifying credit for you. Get easy-to-understand explanations of what factors influence your credit report and tips on how to improve it by setting up your free account today. Discover how certain financial decisions & actions can affect your credit report. Learn how to read & interpret your credit report & find out how banks & financial institutions use your credit information to make lending decisions.

What Is Credit?

When you pay by credit you are borrowing the money you need to make purchases. When a creditor or lender offers you credit, you agree to pay back the amount that you spend or borrow plus interest. Here are a few of the most common ways we use credit: You are using credit when you […] Read More

The 6 C’s of Credit

Wondering if you will qualify for the loan or credit account that you desire? Think like a potential lender and consider how well you meet the six C’s of credit, key credit criteria that lenders use when assessing loan and credit applicants. Character You have good credit character when you live up to your financial […] Read More

How to Correct Credit Reporting Errors on Your Credit Report

Because a credit reporting error could affect your credit score and how much you pay for credit when you apply for a loan or a credit card, it’s important to monitor and maintain an error-free credit report. Depending on the nature of the errors, your credit scores could take a significant hit if they aren’t […] Read More

Credit Freeze Legislation & Credit Reporting Agencies

The Case for Security Freezes More than ten years ago, representatives from several leading consumer advocacy groups teamed up with California state lawmakers to answer a question about a serious problem: How does identity theft occur? Their conclusion was simple: in every known case of identity theft, a scam artist determined an unsuspecting victim’s name […] Read More

What Is Re-Aging & Can It Help Me?

What is Re-Aging? Re-aging, also known as “curing” or “rollback,” involves changing the delinquency status of an account. Payment history is one of the most important factors in calculating your credit scores, and within that factor most scoring models will look at: The number of late payments listed on the credit report How recent those […] Read More

Car Insurance & Your Credit

One of the biggest factors in determining your car insurance rates has nothing to do with your driving record. Lenders commonly use your credit history to determine how risky a driver you will be. Read more about this growing trend and how you can save on auto insurance. The Car Insurance Industry Nearly all auto […] Read More

How Renting Can Impact Your Credit

When you rent a home, apartment or townhome, your credit is affected in a number of ways. Let’s take a look at what you can expect when you’re looking to rent. Does Paying Rent Build Credit? In some cases, paying your rent on time may help you build credit. For your positive rent payment history […] Read More

What Happens to Your Credit When You Buy a Home?

How buying a home impacts your credit depends on how you managed your credit throughout the lending process and how you deal with your mortgage payments after you become an official homeowner. How Applying for a Mortgage Affects Your Credit When you decide you want to buy a home, your credit plays a big role […] Read More

What Happens To Your Credit When You Get Divorced?

When spouses divorce, the court divides up responsibilities for shared debts in a divorce decree. For example, a divorce decree may stipulate that one spouse take over responsibility for paying an auto loan and the other spouse take over the responsibility for paying a mortgage. But a divorce decree doesn’t separate the actual financial accounts […] Read More

What Happens To Your Credit When You Get Evicted?

Getting evicted from an apartment can make it difficult to find a new place to live and it can affect your credit history, as well, if your landlord obtains an eviction judgment against you in court. Once a judge has ruled in favor of the landlord and that judgment is considered final, the three major […] Read More


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