Category Archives: Credit Reports

Signs of Fraud Revealed in Your Credit Report

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You can’t spot fraud on your credit reports if you don’t check them. At a minimum, you should request a copy of your credit reports once a year from each of the credit reporting agencies, Experian, Equifax, and TransUnion. When

Worse Scenarios When You Don’t Check Your Credit Reports

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We are busy people in these busy times, so the last thing any of us want or need is one more thing to do! But there are some things that simply cannot be sacrificed, and checking your credit reports is

How to Remove an Account From Your Credit Report

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One of the most mis-understood areas of credit is when someone is an authorized user on credit card account. So it is no surprise that one of the most asked questions on our credit report discussion forum goes something like

Who Can Legally Pull Your Credit Report?

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Fortunately, there are laws that regulate who can access your credit report. The last thing you want is for yourcredit report to fall into the wrong hands. Not only does your credit report contain information about you, such as your

Who’s Responsible for Correctly and Accurately Reporting Your Credit History?

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Have you ever wondered how all that information appears on your credit report? Better yet, who is responsible for making sure the information on your credit report is accurate and correct? That is the million dollar question and you are

Red Flags to Look for on Your Credit Report

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When you’re deep in debt and barely making ends meet, something has to give. But before you forego payments of any kind, or start foreclosure or bankruptcy proceedings, review the list below. The last thing you want to do is

Interpreting Your Credit Report

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Are ready to tackle your bad credit and increase your credit score? If so, the first step is to order your credit reports. But, if you are like most people, you may have a hard time understanding what your credit

How Long Do Negative Items Stay on My Credit Report?

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We assume you’re asking this question because you recently pulled your credit report only to find quite a few negative items listed on it. These negative items are dragging your credit score down and you want to know how long

Free Credit Report Advice and Facts You Should Know About Your Credit Score

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If you are thinking about buying a car, house, or want to apply for a low interest credit card, the first thing that pops up in your mind is “what is my credit score.”  This is the first thing we think

What Should I Provide When Requesting a Report or Disputing an Item on My Report?

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When requesting a credit report or writing a letter to the credit bureaus disputing a negative item, it is a good idea to include all of the below information. The more information you provide to them at the beginning, the