For most consumers one inquiry can take 5 points or less off a credit score but that number can increase if you have few accounts or a short credit history.
25 easy tips to improve credit scores. Make your financial life a little easier with good credit scores.
Goodwill letters still work even if the creditor says it is against the law to delete a negative item. It is not against the law just keep pursuing.
Credit scores measure behavior in terms of how well you manage credit and debt. Knowing the consequences of certain actions may help keep you on track with your credit scores. There are several components to credit scores but a few key components have the most impact. It only takes a few actions for a credit…
FICO is the largest credit scoring model used by 90% of lenders. Every few years FICO updates its scoring model and the newest version, FICO 9, might actually help consumers with paid collections and medical collections. FICO Score 9, has some big changes in the area of debt collection. The scoring model will not include…
The impact on lives of people without a solid credit history or no credit can be profound. Build a solid credit history with or without credit cards.
Voluntary repossession is still a repossession. Repossession of any type is considered very negative and will have a substantial impact on your credit report and credit scores.
Ultimate guide to understanding your credit reports. Get the inside scoop on how to spot errors and what items to update, correct or delete.