Credit Report Articles


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

How to Rebuild Credit

Whatever the credit setback, you can get your credit back on track. As you improve your credit, you’ll want to track your progress. A good tool for this is the free Credit Report Card, which gives you free credit scores and lets you gauge your progress as you rebuild credit. Your credit profile is updated […] Read More

What Is a Consumer Credit Report?

What’s in a credit report? A whole bunch of stuff pertaining to your financial life. A consumer credit report has four main categories of information: personal information, account information, public records and inquiries. Banks, lenders, credit card companies, cell phone companies, landlords and potential employers all review consumer credit reports. So it’s smart to know […] Read More

How to Build Credit the Smart Way

A great way to build credit is by making on-time credit payments every month. How to Build Credit with a Credit Card Any credit card, including a secured card, works well for this. Just choose a routine monthly expense, charge it on your credit card and pay the account in full each month. Payment history […] Read More

What to Do If You Are Rejected for Credit

I don’t know about you, but whenever I’ve been rejected for something — a job, a credit card, even being left out of an event I had hoped to be invited to — my first reaction has been to fume or pout (or maybe both). But I know I can do better. “Rejection offers us […] Read More

Bankruptcy Reform: The Impact on Consumer Credit Reports

On April 20, 2005, the Bankruptcy Abuse Prevention and Consumer Protection Act of 2005 became law. While the merits of the bill have been debated, its effects are clear. Some consumers who would have filed for debt relief in a Chapter 7 bankruptcy in the past will now have a much more difficult time doing […] Read More

Tips for Improving Your Credit: Your History of Searching for Credit

This is the last of a five part series investigating credit scores and how your credit-related actions most influence them. Each edition of the series explored a new category chosen because of the amount of credit score points that each could cost you if not managed properly. So far we’ve explored the following four: 1. […] Read More

Tips for Improving Your Credit: Your Amount of Debt

How is Your Debt Listed and Displayed on Your Credit Reports? Each account on your credit report has a section that lists your current balance, or your amount of debt. This balance is generally the amount you owed on the account as of your previous month’s statement. This “staggered balance” practice is common regardless of […] Read More

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