Recent Money Blog | Credit Reports PostsCredit Reporting Agenciesby Debbie Vasen06 May 2008 08:49 PMOften in financial advice, you will see the three main consumer reporting agencies mentioned. However, you may not know who all three are or how to contact them. In the United States, there are three national consumer reporting agencies who determine most of your credit reports and scores. Credit Repair Scamsby Debbie Vasen15 Apr 2008 09:08 PMIf you are on the hunt for ways to improve your credit, be very careful of credit repair scams. Anyone that makes big promises about erasing your debt or any guarantees of quickly improving your score... be wary. The Effects of Debt on Creditby Debbie Vasen14 Apr 2008 09:39 AMIt is always good to pay down your debt. It makes your credit report and score better, but the effect may not happen as quickly as you like. Debt problems, like late payments and unpaid bills, will stay on your report for seven years -- even if you take care of them. Closing Credit Accountsby Debbie Vasen29 Mar 2008 11:11 AMMany years ago, I cleaned up my credit. I had paid off all my debts (minus our mortgage) and wanted to simplify my credit assortment. Back then, I had no awareness of credit scores. All I knew was I didn't want to have so many accounts to keep track of. Watch the Applicationby Debbie Vasen27 Mar 2008 04:54 PMOne factor that can hurt your credit score is too many credit history reviews. A credit report "review" is when a business checks your credit history. There are really two types of inquiries into your credit history. The Credit Reporting Systemby Debbie Vasen25 Mar 2008 11:02 AMEver wonder how the credit report system works? Well, it is a big enterprise for sure, run by voluntary transactions that affect you both negatively and positively. There are three major credit agencies. The information they gather is reported to them voluntarily by businesses. Paid Off... Now What?by Debbie Vasen23 Feb 2008 09:29 AMSo, you have worked hard to pay off all that debt... congratulations! Unfortunately, it is still going to take some time to repair your history. The first step is certainly getting your debt in check. This will open all sorts of doors to financial flexibility in your budget. Credit Freezeby Debbie Vasen26 Nov 2007 12:16 PMWhat is a credit freeze? No, it is not a Dairy Queen shake or a snowman in the shape of your credit card. It is a newer system enacted by all three credit bureaus to help those who are no longer using credit to preserve their reports and scores. Stop that Credit Junk Mailby Debbie Vasen26 Sep 2007 09:16 PMDo you receive credit cards offers in the mail? Well, take that as a good sign about your credit, but a bad sign about your vulnerability. These offers not only fill up the recycling bin, they leave you exposed to mail crime and identity theft. Collection Activitiesby Debbie Vasen29 Jul 2007 10:25 PMAlong with our discussion of your credit report, another critical problem involves collection activities. These are quite different than our previous article on delinquencies; these actions are ones you should be well aware of. Recent Blog Comments |
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