Experian Articles

1). How To Avoid Bad Credit By : Joseph Kenny
Because we live in a society that is dependent on credit, having credit that is bad can make life very difficult. Many high paying jobs won't hire you. Lenders are unlikely to give you a mortgage. Getting an unsecured credit card will also be hard, if not impossible. It is not a secret that many people have less than perfect credit. But why is this, and what can be done about it? Many of the credit problems people experience is a self-inflicted wound.
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2). 3 Free Credit Reports For You By : Matthew C. Keegan
If you were to tell someone that they can have a certain item for free, more than likely their response would be, “what’s the catch?” In the case of credit reports there is no catch, you can now get a free copy of this report through the three credit reporting agencies: Equifax, TransUnions, and Experian. Let’s take a look at the law and how you can benefit from it.
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3). Your Credit Score Can Be Destroyed By Simple Credit Inquiries By : Thomas Rendleman
What you don't know about credit inquires can destroy your credit score and effect what you can qualify for. Whether you are shopping for a cell phone, car, home loan, insurance, or just curious about wanting to see what you could qualify for, a credit inquiry can cost you points on your credit score. Even a reduction in credit points may seem trivial.
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5). Fico Scores, Credit Repair and the Real Scoop By : Keith John Gill
Copyright 2006 Keith John Gill It’s sometimes surreal to think that in the institutional Lending industry that most people are reduced to the 3 digit number known as the FICO score. As cold as it might seem at times it is “objectively” the most fair and quickest way to determine the acceptable risk level of a borrower. I’m an “insider” that looks at credit reports all day.
Article Related to: fico, credit, mortgage, loans, experian, equifax, transunion, credit repair

6). Credit Repair – From C to A Paper By : Dan Lewis
If you’ve ever applied for a home loan with less than stellar credit, you know how much extra you have to pay. Even though it can take some time, credit repair is definitely worth pursuing. Credit Scores When considering your application for a home loan, a financial institution looks at your credit and assigns it a score. In the industry, these scores are loosely referred to as a type of paper.
Article Related to: credit scores, credit repair, credit cards, credit report, experian, equifax, transunion, a paper

7). Free Credit Reports For You By : Matthew C. Keegan
American consumers are now entitled to receive one free copy of their credit report per year from each of the three major credit reporting agencies. Equifax, Experian, and Trans Union are now all required by law to furnish to you a copy of your credit report. This is good news for consumers; please read on for additional helpful information. As of September 1, 2005, the federal Fair Credit Reporting Act (FCRA) requires that the three national credit reporting agencies provide one free copy of your credit report to you annually.
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8). Know Exactly What Your Credit Score is Before You Apply For Your Financing By : James Hunt
If you’re thinking about buying a new or used car through financing you’ll want to make sure that you have copy of your credit reports so that you know exactly what your credit score is before you apply for your financing...
Article Related to: credit reports, experian, equifax, credit score, transunion, credit bureau

9). Free Credit Reports: Get Yours Today! By : Matthew C. Keegan
You may have seen the ads telling you where you can get copies of your consumer credit reports for free. Read the fine print and you will see that there is some sort of catch with these ads that will ultimately cost you money. You don’t need to pay for your reports no matter what someone else says. Let’s take a look at how you can really and truly get copies of your credit reports for free.
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10). Free Annual Credit Report. Why You Must Get Yours. By : Nathan T. Lynch
If you are thinking about making any large purchases such as furniture or a vehicle or home, it’s a good idea to get a copy of your credit report beforehand. Depending on what is listed on your credit report, it can help you or hurt you when attempting to obtain credit. There may be errors or false information listed on your report that you are not aware of and that will deter any financers from allowing you credit with their companies.
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11). Debt Negotiation for a Better Credit Report By : Gene Pimentel
A realistic approach to settling old debt while improving your credit report and credit score. Four easy steps to put you on the path to debt-free living.
Article Related to: credit report, credit score, debt, debt negotiation, triple advantage, equifax, experian, transunion

12). The Truth About Online Credit Reports By : Gene Pimentel
Hundreds of companies entice you with "free credit reports" online, but only ONE source is authorized by the Federal Trade Commission to do so. The others are just trying to sell you additional services.
Article Related to: credit report, credit score, debt, debt negotiation, triple advantage, equifax, experian, transunion