Credit report

The Credit Report: What exactly is it and How Can I get One? GAD Capital explains in details

A credit report summarizes a person’s credit profile that contains information on open and canceled accounts and payment and balance histories. Soft and hard credit inquiries, public records, and collections are all included in the reports. The three largest bureaus—Experian, TransUnion, and Equifax—publish official credit reports that lenders and other financial organizations use to assess […]

Credit report

Did the Equifax credit report error affect you? Here’s how to find out.

Equifax admitted this week to misstating credit scores of some consumerspotentially affecting mortgage, car loan or credit card applications. The Wall Street Journal reported Tuesday that between March 17 and April 6, the company sent millions of incorrect credit memos to consumers. Yet Equifax said that less than 300,000 customers saw their credit score change […]

Credit score

CPN Supply offers a rapid credit score increase to consumers

(MENAFN-Zex PR Wire) California, USA, 4 August 2022, ZEXPRWIRE, At a time when it seems like every other day a new data breach is announced, it’s more important than ever to have a strong credit score. CPN Supply is proud to offer a rapid credit score improvement service that can help consumers improve their credit […]

Credit report

New York Fed Credit Report Busts the Myth of a Strong Consumer Balance Sheet – Mish Talk

Please consider New York Fed Household debt and credit report for the second quarter of 2022. Total household debt increased by $312 billion, or 2%, in the second quarter of 2022 to $16.15 billion, according to the latest quarterly household debt and credit report. Mortgage balances – the largest component of household debt – soared […]

Credit score

Star Citizen reverses the course of the credit rating

Yesterday we reported on Star Citizen’s decision to return an in-game credit grant that was meant to give regular players a boost, noting that the original amounts were inflating in-game payouts due of the counting problem. However, as the project moved towards rolling out the patch, everything was going to have a slight pain. CIG […]

Credit report

What to do if you see suspicious activity on a credit report

Dear Liz: I recently obtained copies of my credit reports from all three major credit bureaus and discovered my brother’s home address in the personal information section. I am extremely worried about how and why this happened since I never lived with my brother. This brother is the executor of our father’s estate, and the […]

Credit score

Dave Ramsey says you can get a mortgage without a credit score. here’s how

Image source: Getty Images Most people cannot afford to buy a house outright. This is where mortgages come in. Now, there are various factors that mortgage lenders tend to consider when evaluating home loan applicants, and one of the most important is your credit score. This number provides insight into your reliability as a borrower. […]

Credit score

U.S. Senate Electric Automobile Tax Credit Score Plan Faces Questions, Auto News, ET Auto

U.S. automakers and lawmakers on Thursday carefully considered the main points of a proposed expansion of the electric car tax credit that would help factories retool to build green cars and reduce greenhouse gas emissions . Under a deal announced by Senator Chuck Schumer, the 200,000-vehicle producer cap on the $7,500 electric vehicle tax credit […]

Credit report

What errors should I look for on my credit report?

You need to monitor your credit score to take corrective action as soon as possible. A credit report summarizes the history of your borrowing and repayment activities. If you pay your bills on time, you don’t have to worry about your credit. However, if you come across a credit reporting agency and they reject your […]

Credit report

How do I do a credit score check and get a credit report? Important steps to know

Regularly checking your credit score is essential to ensure that you have a low-risk financial profile. Also, waiting until the last minute and doing a credit check right before applying for credit can be risky. If you find that your score is insufficient, you may not have enough time to rectify and improve your score. […]

Credit sales

Bread Financial (BFH) Missed Second Quarter Earnings, Y/Y Credit Sales Rise – July 28, 2022

Pain Financial Holdings‘ (BFH Quick QuoteBFH – Free Report) operating earnings of 25 cents per share for the second quarter of 2022 missed Zacks’ consensus estimate by 88.9%. Net income fell about 96% year over year. Bread Financial Holdings, Inc. Price, Consensus, and EPS Surprise Behind the headlines Revenue decreased 11.9% year-over-year to $893 million, […]

Credit sales

Bread Financial (BFH) Q2 missed profits, credit sales up year-over-year

Pain Financial HoldingsBFH’s operating profit of 25 cents per share for the second quarter of 2022 beat Zacks’ consensus estimate by 88.9%. Net income fell about 96% year over year. Bread Financial Holdings, Inc. Price, Consensus, and EPS Surprise Bread Financial Holdings, Inc. price-consensus-eps-surprise-chart | Quote from Bread Financial Holdings, Inc. Behind the headlines Revenue […]

Credit score

This One Move Could Stop Your Credit Score From Dropping

Getty Images Having good credit isn’t just a matter of pride (though there’s certainly nothing wrong with congratulating yourself for maintaining a good credit score). The higher your credit score, the easier it becomes to qualify for a loan or credit card. And if you take out a big loan, like a mortgage, strong credit […]

Credit report

ABA Opposes Overdraft Bill, Calls Bad Credit Report Bill

The American Bankers Association is asking members of the House Financial Service Committee to oppose two bills that would rewrite federal rules on overdraft fees and the use of credit information to determine mortgage eligibility. Both bills are due to be flagged by committee this week. The Overdraft Protection Act (HR 4277) would limit the […]

Credit report

Rep. Ayanna Pressley’s bill would fix transgender, non-binary credit report issues

After my legal gender-affirming name change, I struggled to find an apartment. I was charged with identity theft and fraud because my credit file was split in two. A new bill proposed by Rep. Ayanna Pressley could change things for other trans and non-binary people. Loading Something is loading. The day the court approved my […]

Credit score

Guild mortgage program replaces credit score review with payment history

Guild Mortgage rolled out a new program, aimed at first-time home buyers, that will accept rental payment records and residual income history in place of credit scores. If the fintech company borrowers report FormFree, which provides rental payment history and residual income analysis, shows consistent payment records, borrowers may be eligible to receive a lower […]

Credit score

4 Steps to Improve Your Credit Score for Utah Families

You might run into difficulties if you live in Utah and have a family. There are unique challenges when co-signing a loan or lease. Fortunately, there are ways to improve your credit score and make your life easier if you’re raising a family in Utah. Read on for more details on the four steps that […]

Credit report

Australian banks launch new credit report fact sheets

The ABA and member banks today launched new credit report fact sheets which outline in plain language the support available to customers who are experiencing financial difficulties. A consumer-focused fact sheet includes information about the help banks can provide, how information about financial hardship can disappear from credit reports after a set period of time, […]

Credit score

Liz Weston: A consumer surprised by the spectacular drop in his credit rating

Dear Liz: Thank you for your recent article on how credit scores react to heavy credit card use. We pay our credit cards in full each month, but recently we had big charges on three cards for vacations, home supplies, and other purchases. I am the primary account holder on all three cards and my […]

Credit report

Japan: Update on Japanese Government Study Group’s Carbon Credit Report

In short Several means exist to reduce greenhouse gas (GHG) emissions in order to achieve carbon neutrality by 2050, including the development of new technologies, the transition to renewable energies and voluntary energy savings. In addition to these efforts, there is a growing interest in offsetting residual emissions that are inevitably emitted despite reduction efforts […]

Credit report

Your credit report: the impact of eliminating medical debt

By: Charlestien Harris Your credit score is very important when it comes to how you interact with the financial world around you. One of the main areas of concern for many people is how medical debt has negatively affected their credit scores for years. Statistics show that one in five Americans had a medical bill […]

Credit sales

Tesla’s carbon credit sales drop 49% in second quarter

Tesla recorded $344 million in regulatory credits for the second quarter of 2022, down 49% from the first quarter of $679 million. Credits represent 1.7% of the overall gross margin for the quarter, compared to 2.9% in the previous quarter. The public has anticipated how much the EV automaker will earn from its carbon credits […]

Credit score

Suze Orman recommends doing these 3 things to boost your credit score

Image source: Getty Images Your credit score is that ever-important number that plays a huge role in your daily life. It determines which credit cards you qualify for, how much you pay for auto and home loans, and more. Simply put, life is much easier with a high credit score. For those looking to improve […]

Credit score

What is revolving credit and how can it ruin your credit score?

Revolving credit can be a convenient and flexible option when it comes to borrowing money. But what exactly is revolving credit? Find out how it works and if revolving credit is best suited to your financial plans. Definition of revolving credit Revolving credit is a line of credit that you can borrow and repay over […]

Credit report

Medical debt will now disappear from your credit report once paid off

Image source: Getty Images Until recently, medical debt, even debt that has been paid off, could stay on a consumer’s credit file for years. But due to recent changes made by all three credit bureaus, the medical debt will disappear from your credit report once it has been paid in full. This is good news […]

Credit score

What your credit score can do for your business

If you want to explain your business in the future, one thing you need to prioritize is your credit score. Having bad business credit can negatively impact your store in many ways, from causing difficulty in obtaining financing to getting approved for a lease. Let’s first see what factors affect your credit score. What makes […]

Credit score

Does Checking Your Credit Score Lower It?

The next time you check your credit score, you can relax. Checking your credit score does not lower it. In fact, keeping tabs on your credit status helps you make smart credit decisions. Sometimes checking your credit score is lumped together with reviewing your credit report under the umbrella term “checking your credit.” But checking […]

Credit report

Millions To See Credit Report Changes With Medical Debt Abolition

The three major credit bureaus have removed certain medical debt from reports, effective July 1. Separately, a Supreme Court case will likely determine whether Medicaid providers and patients can sue states for abusive payments. The Wall Street Journal: Medical debt is erased from credit reports. What this means for you Millions of Americans will now […]

Credit score

This is one of the most dangerous credit rating myths.

Image source: Getty Images Understanding how to get a good credit score is crucial for everyone, as this score affects so many aspects of your financial life. Most people or companies you want to do business with will check your credit and make decisions based on how high or low your score is. So many […]

Credit score

Worried about a recession? Raising Your Credit Score Could Give You Peace of Mind

Image source: Getty Images For months, many financial experts have been warning Americans to prepare for a recession. We cannot say for sure whether they are right or not. But the is reason to believe that we may be heading for a period of economic decline. Right now, inflation is rampant and the Federal Reserve […]

Credit report

He froze his credit report. Could a scammer delete it?

The last time this happened a few years ago, Rishi had taken steps to protect himself, including freezing his credit report with all three major credit bureaus. Yet he was now being told that one of them, Experian, had released his credit report despite the freeze. Rishi, 53, co-executive director of the Boston Landmarks Orchestra […]

Credit report

Wichita among top cities to benefit from medical debt credit report change

TOPEKA, Kan. (WIBW) – Wichita is among the first quarter of cities that could benefit the most from recently announced medical debt credit report changes. With recent changes from the credit bureaus expected to eliminate approximately 70% of commercial medical collection debt lines from consumer credit reports, personal finance website WalletHub.com says it has released […]

Credit report

Your medical debt has fallen off your credit report – now what?

Today is a big day in the world of credit scoring. Medical debts that have been paid after being sent to collections come out of credit reports, as do medical collections that are less than a year old. Medical collections under $500 will also disappear from credit reports early next year, by which time approximately […]

Credit report

Changes to the credit report are likely to improve scores. What there is to know

Changes to medical collection debt reporting are expected to eliminate 70% of medical debt that appears on consumer credit reports, potentially increasing credit scores. (AP Photo/Jenny Kane, File) Jenny Kane PA The nation’s three largest credit bureaus are changing the way they report medical debt, signaling an increase in some consumers’ credit scores. As of […]

Credit report

Upcoming Credit Report Relief on Medical Debt

Medical debt on your credit report is just as harmful as a delinquent credit card. And yet, medical debt is inevitable if you need treatment for an illness you can’t afford. It’s a common problem: Nearly one in five American households couldn’t pay their medical bills upfront and had gone into debt, according to a […]

Credit report

You Could Soon Have Medical Debt Erased From Your Credit Report: Here’s Why

(NEXSTAR) – Many Americans who have seen their credit scores take a hit because of medical debt may soon see relief. Effective July 1, three of the nation’s largest credit reporting agencies — Equifax, Experian and TransUnion — will stop including paid medical collection debt. Currently, this debt can remain on your file for seven […]

Credit score

What credit score do you need for an American Express card?

If you are considering applying for an American Express card, you need to know if you have a good chance of being approved before applying. It starts with understanding the credit score you need for a card. What credit score do you need for an American Express card? Unlike some other issuers, American Express does […]

Credit score

SMACOM’s Risk-Linked “Credit Score” Predicts Management Failure

Figure 1) Renown Credit Rating Trends The SMACOM Credit Score, developed by Nikkei FTRI, is used to quantify a company’s credit risk, indicating the one-year probability of default. TOKYO, JAPAN, June 29, 2022 /EINPresswire.com/ — To achieve outstanding performance in equity-focused asset management, it is necessary to take proportionate risks. Thus, a high-risk, high-return investment […]

Credit score

New tools to help your credit score

INVESTIGATETV – A good credit score is essential to your financial health. When you apply to rent an apartment, finance a car, or borrow money, lenders look at your credit reports and credit scores to determine your eligibility. Many credit card companies provide free credit scores to their users. If not, the Consumer Financial Protection […]

Credit score

4 Credit Card Mistakes That Could Hurt Your Credit Score

Image source: Getty Images Your credit score is important for all aspects of your financial life. A good score makes it easier to rent an apartment, borrow at an affordable rate, and qualify for utilities and cell phone service with a reasonable deposit. Credit cards can help build your credit score, but they can also […]

Credit report

UW-Madison Division of Extension Highlights Credit Report Changes Coming July 1

For Chief Tomahawk WISCONSIN — Educators at the UW-Madison Division of Extension remind area residents that beginning Friday, July 1, there will be several changes to how information appears on credit reports. “Keeping on top of what’s on your credit report can help you spot errors and possible cases of identity theft,” said a statement […]

Credit report

Does medical debt disappear from your credit report? | Smart Change: Personal Finances

Liz Weston, CFP® Health care bills are about to become much less of a threat to the financial well-being millions of Americans. The three major credit bureaus wipe out most of people’s medical debt credit reportsand the Biden administration is reducing or eliminating medical debt as a factor in government lending decisions. Here’s what you […]

Credit report

Definition, rules, impact on the credit report

Data provisioning is the process of sharing consumer information with major credit bureaus. Because providing data is not required, your credit reports may not reflect all of your borrowing activity. Credit report errors are common, so it’s wise to check your reports regularly. Loading Something is loading. Credit reports play a huge role in the […]

Credit report

A platform extending the best commercial credit report services

Credit Help India has come forward to digitize Credit Score counseling services. Soon it earned the laurel of being one of the trusted names in the business. Supported by a team of professionals and management with an astute vision, she aims to transform the company. With its […]

Credit report

CIBIL Rank & Company Credit Report: Transforming Access to Credit for MSME Business Owners

Over the past few months, the overall credit deployed in the Indian micro, small and medium enterprise (MSME) sector has witnessed a gradual recovery to pandemic levels , with over Rs 17.63 lakh crore deployed in April 2022 against Rs 16.17 lakh crore deployed in March 2022. A host of factors such as the various […]

Credit score

Medical debt: how it can affect your credit score

The Medical Debt De-Weaponization Act aims to protect consumers from collectors and to ensure that hospitals provide the charitable care they should. GREENSBORO, North Carolina – Democrats versus Republicans. That’s what you normally hear, but there’s a problem that North Carolina lawmakers are working together to solve the medical debt problem. This is the kind […]

Credit score

Debt consolidation can lead to a better credit score

Historically, Americans lose financial ground and accumulate debt in recessionary environments, and this is already appearing to be happening in mid-2022. According to a new Forbes poll, Americans added $266 billion in household debt from the fourth quarter of 2021 to the first quarter of 2022, with two-thirds of consumers saying they are “depleting their […]

Credit score

How UPI on Credit Cards Can Help You Improve Your Credit Score

Over the past few years, credit card adoption has grown tremendously, and experts say UPI has outpaced all other payment methods. Gaurav Chopra, Founder and CEO of IndiaLends, said, “Bringing the two together is a boon for existing and underserved customers in India. UPI’s deep penetration and ease of adoption allow users from all walks […]

Credit score

How Increased Credit Card Use During Inflation Can Impact Your Credit Score

(WKBN) – Although inflation is not a direct credit score factor, its influence can have a big impact. The United States is currently experiencing historic inflation. From gas and groceries to housing and daily necessities, everyone is paying more. These daily costs can have a subtle impact on your credit score. Consumers may be tempted […]

Credit score

How Inflation Can Affect Your Credit Score

(WKBN) – Although inflation is not a direct credit score factor, its influence can have a big impact. The United States is currently experiencing historic inflation. From gas and groceries to housing and daily necessities, everyone is paying more. These daily costs can have a subtle impact on your credit score. Consumers may be tempted […]

Credit sales

Truworths reduces exposure to credit sales

The Chronicle Harare OfficeLISTED clothing retailer Truworths says it is reducing exposure to credit sales as it seeks to protect the business from inflationary pressures. Credit sales Corporate Secretary Brenda Chibanda has revealed that the group will place greater emphasis on cash sales as a means of managing the risk of loss of value at […]

Credit report

Fears of identity theft? Get a credit report, credit freeze

Dear Liz: I divorced 32 years ago. Recently I received calls from a collection agency about a debt that has not been paid. I found out that my ex was using my phone number as one of his contact numbers. My number is supposed to be confidential and unpublished, but he found it online. I […]

Credit report

Credit Help India: A Leading Name Offering Business Credit Report Services

Credit Help India is India’s most trusted and reputable credit counseling service company. With its extensive network spread across India, it offers a range of credit counseling services and is now extending its services to commercial credit reports. Credit score and credit ranking play an important role in ensuring transparent processing of loan applications. A […]

Credit score

6 Tips to Improve Your Credit Score When Buying a Home in Buffalo

Summer is in full swing and with the warmer temperatures we have many home buyers outside of Western New York looking to buy a home. Inflation has caused many things to rise sharply throughout New York State. From gasoline and fuel to chicken wings, the cost of goods and services has increased exponentially. These increases […]

Credit sales

Mr Price sees a spike in credit applications and credit sales

JSE-listed clothing and home goods retailer Mr Price reported a 54% rise in credit applications and a 23.6% increase in credit sales to R3.7 billion for the year ended April 2, 2022, as new customers show a greater appetite for credit and existing customers. spend more. Despite soaring credit demand as more consumers face ongoing […]

Credit report

“An arm and a leg”: good news for your credit report

Dan Weissmann Don’t see the audio player? Click here to listen. Click here for a transcript of the episode. Credit bureaus announced in March that they would start removing most paid medical debt from people’s credit reports. At first we weren’t sure it would be such a big deal. After all, unpaid medical debt would […]

Credit report

Credit report hits new high, hitting retailers and shoppers’ savings

The April consumer credit report released Tuesday afternoon rose $38 billion on a seasonally adjusted basis to $4.57 trillion, a new record – and beating the forecast increase of $35 billion. The feat marks the third consecutive month of earnings over $30 billion. Revolving credit, which is mostly credit card debt and tends to account […]

Credit report

Daily Markets: Traders Ahead of the Afternoon Consumer Credit Report

The big picture today Asia-Pacific equity indices ended today’s session mixed, with Japan’s Nikkei and China’s Shanghai Composite rising slightly at 0.10% and 0.17%, respectively, while Hong Kong’s Hang Seng and Taiwan’s TAIEX fell 0.56%, India’s Sensex fell 1.02% and Australia’s ASX All Ordinaries. down 1.54%. South Korea’s KOSPI led the way, losing 1.65% on […]

Credit score

3 Surprising Reasons Your Credit Score Keeps Taking a Hit

Image source: Getty Images So you paid your bills on time every month and you were never late. Yet your credit score seems to be dropping. Which give? The higher your credit score, the easier it is to borrow money affordably when you need it. And so, a series of minor credit score hits could […]

Credit report

Millions of Klarna customers will see payment history on this month’s credit report

Purchase and payment service Klarna will start reporting the use of Buy Now, Pay Later (BNPL) products to UK credit reference agencies from this month. It will report consumer purchases paid on time, late payments and unpaid purchases for “pay in 30” and “pay in three” orders placed on or after June 1 to Experian […]

Credit score

Misleading TV advertising, big changes in your credit score, bitcoin miners and more

Lots of consumer treats here. Let’s start with The Watchdog’s nomination for the most misleading local political TV ad of 2022: State Rep. Stephanie Klick’s announcement of R-Fort Worth’s attack on challenger David Lowe in the recent runoff of the Republican primaries baffled me. Every time I’ve seen it — and I’ve seen it at […]

Credit score

Shopping around for mortgage rates won’t hurt your credit score

With mortgage rates rising rapidly, it pays homebuyers to shop around with lenders for the best mortgage rates. But some people worry that it will hurt their credit rating. With mortgage rates rising rapidly, it pays homebuyers to shop around with lenders for the best mortgage rates. But some people worry that it will hurt […]

Credit score

BNPL affects your personal credit score

The deep penetration of smartphones and the cheap internet rescued payments from the domination of cards and cash, seized access to investments from D-street gatekeepers, and freed credit from the ivory towers of institutional banks. . For the first time, access to these services is in the hands of citizens. Users in Tier 2 and […]

Credit score

These are the 2 fastest ways to boost your credit score

Image source: Getty Images Earning a good credit rating is worth the effort. Landlords and potential employers review your credit report and review your score, as do lenders and many other companies you hope to do business with, such as utility providers. Unfortunately, many of the steps you’ll need to take to build credit can […]

Credit score

What is my credit score, why it matters and how to check it

With the cost of living making life more difficult for most Britons, boosting your credit score could help ease your finances, especially with buying a house and credit cards. Register to our Money Savers newsletter With finances tight for many people, now is a great time to check your credit score. The higher your credit […]

Credit score

How Gas Bill Payments Can Impact Your Credit Score

Did you pay your gas bill last month? Missed an electricity payment or two? This won’t automatically be reported to the credit bureaus who determine which loans you can get, but that doesn’t mean you can relax completely. Here, personal finance experts explain how not paying your gas or other utilities on time can impact […]

Credit score

IdentityIQ Rocket Credit Score Reviews (Be Prepared) Legit Credit Score Monitoring?

Rocket Credit Scores is a website that helps consumers understand their current credit score through a paid subscription. Users will have instant access to their credit reports from TransUnion, Experian and Equifax. What are Rocket Credit Scores? Credit follows consumers everywhere. Every payment they make late (or on time) can cause their score to change, […]

Credit score

Video: Maintaining Your Credit Score

Kylie Saigol, an analyst with the Rising Gen client segment team, spoke with Wendy Mock, host of UBS Trending, about building sound credit ratings. The Rising Gen client segment team assists investors under 40 or those at the beginning of their financial journey. Click here to watch the episode, which aired May 18, 2022. Strong […]

Credit score

What affects your credit rating? To find

A credit score is a number that determines one’s ability to repay credit on time. In other words, it is proof of its solvency. Anurag Sinha, Co-Founder and CEO of OneScore and OneCard, says, “Before extending any form of credit, a potential borrower’s credit behavior is thoroughly analyzed by credit bureaus and the score is […]

Credit report

What is the difference between a credit report and a credit score?

HUNTSVILLE, Ala. (WAFF) – Credit scores and credit reports both represent an individual’s creditworthiness or likelihood of repaying a loan. However, credit reports and credit scores are two different things that can sometimes be confusing and incorrectly used interchangeably. WAFF spoke to Briana Cousins. She’s a financial education coordinator at Redstone Federal Credit Union to […]

Credit score

3 Ways Buy Now, Pay Later Can Boost Your Credit Score

In recent years, due to advancements in fintech, the credit ecosystem has undergone a massive transition. Today, there are many types of credit solutions available to you in the market. For example, you can now check the CIBIL score by PAN card completely online, while accessing your credit report in minutes. Another innovative solution in […]

Credit score

How To Increase Your Credit Score In 30 Days | Credit card

When your credit rating is low, you may wish you could wave a magic wand to boost it. Nobody has overnight or super-quick fixes, but you can take steps to improve your credit score in 30 days. These six steps can lead to major movement in the right direction. The three major credit bureaus update […]

Credit report

What do you want to know?

If you’re like most people, you probably don’t know much about your credit score or the difference between a credit report and a credit score. You may know that having a good one is important if you want to get a loan or a mortgage, but what actually goes into your score calculation? And what […]

Credit report

Conning Releases 2022 State of Municipal Credit Report, Maintains Stable Outlook for State Credit Quality Amid Inflation and Rising Interest Rate Concerns

News and research before you hear about it on CNBC and others. Claim your one week free trial for StreetInsider Premium here. Interactive access to report data enables better understanding of metrics Strong tax collections and unprecedented federal stimulus are benefiting states, though overspending could squeeze reserves and reduce recession preparedness. Less favorable borrowing terms […]

Credit report

Conning Releases 2022 State of Municipal Credit Report, Maintains Stable Outlook for State’s Credit Quality Despite Inflation and Rising Interest Rate Concerns

Interactive access to report data enables better understanding of metrics Strong tax collections and unprecedented federal stimulus are benefiting states, though overspending could squeeze reserves and reduce recession preparedness. Less favorable borrowing terms should also be monitored. Florida, New Hampshire and Texas enter the top five in the rankings, bucking a historic trend toward western […]

Credit score

Everyday Cheapskate: Whether you like it or not, you need a good credit score

In my perfect world, there would be no credit scores. And while I don’t believe credit is necessarily bad, in this perfect world of mine, there wouldn’t be any need for all that because it would be, well…perfect! Back to reality. There are myriad reasons why we need to have a good credit history and […]

Credit report

Mixed Credit File Errors Lawsuit Investigation

Mixed or merged credit file errors: who is affected? Has another person’s information been included in your credit file? Has it damaged your credit score? Legal help is available. Credit scores are important in everyday life. They play a role in how much interest you pay on loans, which loans you qualify for, and can […]