Credit Reports

Everything you want to know about credit reports and credit scores.When you apply for a loan, the interest rate you pay is based largely on your credit score.  It's critical that you know how to obtain and read your credit report and credit score.  You should also understand how credit scores are calculated, how lenders use credit scores, and how you can improve your credit score.    

Credit Reporting - Equifax, Experian and Trans Union - Learn about credit reporting companies, data reported on a credit report, and how to dispute inaccurate information on a credit report.

Credit Reports 101 - Do you have questions about your credit report?  We have answers.  Here are the basics of what you need to know about credit reports.

Credit Score Calculation - Learn how FICO calculates credit scores.

Credit Scoring Example - Here is an interesting look at how specific financial problems may impact credit scores.

Free Credit Reports - Beware of ads that promote "free" credit reports.  We'll explain why you should check your credit report and how you can get credit reports that are truly free of charge.

How Lenders Use Credit Scores - Understand the basics of how credit scoring works and how lenders use credit scores.

Improving A Credit Score - Nobody can guarantee that they can increase your credit score.  Here are some tips to follow that should help you maintain or improve your score.

Reading A Credit Report - Understand the information on a credit report and learn some tips for how to read your credit report.


Learn From the Experts About Your Credit Report

 

NOTE: The information contained herein is for educational purposes only and is not legal advice.  You should seek advice from a legal professional regarding your particular situation.