Credit Report Articles

1). Steps For Those With Bad Credit To Obtain Small Business Loans By : David Gass
Describes how to obtain small business loans when you have a bad credit history.
Article Related to: loans, bad credit, business, small business, collateral, assets, capital, cash flow, credit report

2). The Importance of Credit Report Monitoring By : Sandra Stammberger
Credit report monitoring is a smart move for anyone these days. Credit report monitoring can provide an early warning if someone has committed identity theft against you, a problem that is becoming more and more prevalent as technology makes it easier for thieves to obtain confidential information that in years past would have been harder to get.
Article Related to: credit report, credit, finance

3). How Credit Card Balance Transfers Can Affect Your Credit Score By : Jake Rustenhoven
Transferring balance from a high interest credit card to a new lower interest card can definitely save you money on interest, if nothing else at least until the introductory rate ends (if applicable). We all receive those infamous credit card offers in the mail, urging us to apply for a new card and transfer our high interest balance over, in order to take advantage of the lower interest rate that this new card has to offer.
Article Related to: credit report, credit cards, balance transfers, credit score

4). Help! My Friend Wants Me to Cosign A Loan By : Keisha Seaton
Many people find it difficult to get a loan if they have bad credit. For them one of the easy ways to get credit is through cosigning a loan. If you have been asked to cosign a loan by your friend or relative, there are several things you need to consider before asking where to sign.
Article Related to: cosign loan, loans, loan, credit report, bad credit, finance articles, loan articles

5). Deciphering Your Credit Score By : Lee Dobbins
Your credit effects many parts of your daily life, but do you know what your score is?
Article Related to: credit, debt, debt consolidation, credit score, credit report

6). Ten Steps to Reduce Your Risk of Identity Theft By : Howard Goff
You've probably heard about identity theft on television or read about it in the newspaper, and you may already be aware of the damage these crimes can cause victims and their families. What you may not know is how to protect yourself from these attacks. Below you'll find ten steps that can help you minimize your chances of becoming another identity theft statistic.
Article Related to: identity theft, credit report

7). Credit Monitoring - Advantages And Disadvantages By : Mike Singh
Is an investment in a credit monitoring service worthwhile? Find out now ...
Article Related to: credit card, credit monitoring, fraud, credit report, ecommerce

8). Rebuilding Your Credit History By : Jeremy Zongker
Your credit history is very important for you because when it comes to big loans your credit report will determine if you can get the loan and what rates you’ll have to pay. The credit report will matter a lot when you apply for a mortgage loan, for a car loan or for getting insurance on your house, your car or your life. If your credit report does not look so good it is possible that you’ll not get the loan or insurance or if you get it the interest will be higher than normal because you represent a risk for the loaner.
Article Related to: credit history, good credit, credit report, credit score

9). Credit Repair! You May Have A Bad Credit Rating And Not Even Know It By : William L.
When we talk about credit repair, most of us believe that repairing our credit rating is directly related to our mismanagement of our finances, and in most cases that is true! However, many of us don’t realize that thousands of men and women every year find out they have bad credit due to credit fraud, and if you’re not 100% sure on how this happens, it’s a method by criminal organizations that are stealing your identity and using it for financial criminal activities.
Article Related to: credit repair, credit, repair, report, information, consumer, free, reports, money, services, bankruptcy, credit repair, credit report

10). Credit Scoring - Does it Matter? By : lchand
If the borrower has a satisfactory credit history and the ability to pay timely payments, the borrower may be considered a prime borrower and rated as an “A” borrower. In this case the loan will be closed using standard mortgage documents referred to as “A paper”. If he does not qualify for an “A paper” loan, the borrower may seek financing with companies known as “sub prime lenders”.
Article Related to: mortgage. prime rate. subprime. interest rate, mortgage training, lenders, credit report, credit scoring, fico, borrower, financing

11). What are the Most Common Ways to Commit Identity Theft or Fraud By : Cathy Taylor
It's the number one source of consumer complaints at the Federal Trade Commission (FTC), and unfortunately, it's one of the simplest crimes to commit. Identity theft involves information from your daily life, from shopping, bill-paying, and even applying for a job. Thieves take advantage of everyday opportunities to discover your personal information, including your Social Security number (SSN), bank or credit card account numbers, income, name, address, or phone number, and use it to commit fraud or other crimes.
Article Related to: identity theft, identity fraud, credit report

12). What's In Your FICO Score? By : Ed Vegliante
Obtaining copies of your credit reports from the three major credit reporting bureaus is a must for all American consumers. If you order your copies directly from each bureau, you can get yours for free [once per year per bureau]. That is the law. There is, however, one piece of information not included with your credit reports and that is your FICO score.
Article Related to: fico score, credit card, credit cards, credit report, credit bureaus, fair issac corporation

13). IRS Crushes Credit Counseling Groups Claiming Non-Profit Status By : Richard A. Chapo
Many credit counseling groups claim they are in it just to help you and not make a profit as indicated by their charitable organization status. The IRS is not happy. IRS Crushes Credit Counseling Groups Claiming Non-Profit Status For the last five years, the IRS has been taking a much closer look at businesses claiming to be non-profit organizations.
Article Related to: irs, credit, counseling, audit, credit report, non profit, charity, scam, credit scams

14). How to Quickly Improve Your Credit Score by Adding Positive Payment History to Your Credit Report By : Charles J. Phelan
Most consumers are aware that negative items on their credit report can be disputed with the three major credit reporting bureaus. Often, this process can lead to a significant improvement in credit score through deletion of the damaging items that were lowering the score. However, to achieve excellent credit, it's not enough to just remove negative entries.
Article Related to: credit report, credit score

15). Free Credit Report and Credit Score By : Isabel Rodrigues
Free Credit Report and Credit Score indicate the creditworthiness or financial position of a person. Initially there was strict prohibition to disclose the credit report and score. But due to development in business skills and policies many retailers and lenders extend credit facilities to their customers. In order to secure the credit transaction they demand for credit report and score to know whether the borrower is financially sound or not.
Article Related to: free credit report, credit score, credit report and credit score, credit report

16). 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.
Article Related to: raise your credit score, credit, loans, real estate, inquiry, credit score, credit inquiry, home, car, credit bureau, experian, equifax, transunion, trans union, credit report, building credit, articles, articles

17). The need to look at your credit report By : Tony Reed
Everyone needs to know exactly what is on his or her credit report. Even if you have never been late with a payment in your life you need to know what your credit report reflects that reality. Mistakes happen every day, and mistakes on your credit report can dramatically affect your life. The good news is that it is easy for anyone to correct errors on their credit report and avoid the headaches that these errors can cause.
Article Related to: credit report, credit repair

18). How to fix your credit score and qualify for a home loan By : Lance Williams
One might be wondering why some lenders turn down a mortgage application while some others might consider it fit for approval. The answer may well lie in the credit report and the credit score to be precise which plays a crucial role in loan sanctioning. Credit history is an important factor affecting loan granting decisions by the lender or mortgagee.
Article Related to: credit score, credit report, credit rating, mortgage, mortgages, pre-approval

19). The FICO Score By : Deborah McNaughton
What is a FICO score? You may have heard the term, but do you really know what it is?
Article Related to: credit report, fico score, credit score

20). Ways to improve your credit score rating By : Isabel Rodrigues
Have you ever bothered to have a look at your credit score? Most of us are not even aware about the importance of maintaining a healthy credit score. If your credit report has a bad credit score rating it’s the time you start to improve your credit score rating. Credit score is just a three digit number but it has a great importance especially when you’re thinking for applying a loan.
Article Related to: improve credit score, credit score rating, credit score, credit report, healthy credit score

21). What is the Fair Credit Reporting Act and What you Should Know By : Cathy Taylor
The Fair Credit Reporting Act (FCRA) and the recent update to this law called the Fair and Accurate Credit Transactions Act (FACTA) protect consumers against inaccurate information being reported by credit bureaus and the privacy of that information. What does this mean to you? When you make purchases on a credit card, make payments to your accounts, open new bank or credit accounts, borrow money, buy a house or a car, and even fund your education, your financial information is reported by creditors and lenders to a credit bureau.
Article Related to: fcra, credit report

22). 10 Power Steps for Reducing your Debt. By : Jeff Feldman
1. Save three months of income in super safe investments. Before aggressively paying down your debt, I recommend you pay yourself first by having three months income in a savings account or other no risk investment that you can get to in an emergency. Do not put off any longer having this emergency saving. This is what you need for real emergencies.
Article Related to: debt, investing, savings, investor, credit, credit report

23). Credit Bureaus Help Businesses And Customers Relate By : Ben Franklin
The credit agencies do not make any lending decisions themselves.
Article Related to: credit, credit report, credit bureau, experian, credit reporting, credit score

24). Uses and Access to Credit Reports By : tima
A credit report is a basic financial statement that reports an individual’s financial history in terms of payment of credit bills, loans and mortgages, and other credit related information. It shows whether or not an individual is in debt, how much, and for how long. Credit reports are used by major financial companies to sanction credit and determine the rates of interest over a period of time.
Article Related to: credit reports, free credit report, credit report, credit history, credit bureaus, identity theft

25). Under Standing The Importance Of Credit Reports. By : Dennis T. Cary
More and more companies are relying on credit reports to get a good idea of how responsible a person is or isn’t. Whether it’s a potential lender for a personal loan or the manager of an apartment complex, your credit report will tell them how many times you’ve been late on a payment, if you have any collection accounts, if you’ve filed bankruptcy and so on.
Article Related to: credit report, credit score, credit