Posts tagged as:

credit report

Thumbnail image for Senate Passes Fair Access to Credit Scores Act

Senate Passes Fair Access to Credit Scores Act

May 18, 2010

Last night, the Senate passed an amendment introduced by Senator Mark Udall that would provide credit scores to consumers in certain situations. Titled the Fair Access to Credit Scores Act of 2010, this amendment was added to the much larger financial regulatory bill currently being debated in the Senate. Benefit to consumers Consumers will now [...]

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Thumbnail image for Popular Debt Settlement Myth #2 Exposed

Popular Debt Settlement Myth #2 Exposed

May 17, 2010

If you are considering debt settlement to resolve your credit card debts, I strongly urge you to do your own research and be as informed as possible before deciding to move forward. Regular readers of the DIY Debt blog know how little I think of the majority of debt settlement companies out there and that [...]

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Thumbnail image for How Debt Struggles Impact Credit Scores

How Debt Struggles Impact Credit Scores

May 14, 2010

One of the most common questions when considering the different debt reduction programs available to consumers is how will they impact your credit score. This is an important issue to keep in mind when determining which debt reduction strategy is the best fit for your particular situation. “FICO” score FICO is the most widely used [...]

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Thumbnail image for Why You Should Regularly Review Your Credit Reports

Why You Should Regularly Review Your Credit Reports

May 13, 2010

The truth is most credit reports contain errors of some kind. The errors can be the result of innocent mistakes or bad record keeping and sloppy data entry. And since your credit history is constantly evolving, the possibility of mistakes finding their way onto your reports always exists. Unless you are the extremely rare person [...]

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Thumbnail image for What To Do About Accounts That No Longer Show Up On Credit Report

What To Do About Accounts That No Longer Show Up On Credit Report

May 10, 2010

Some consumers have unresolved debts from many years ago that are still owed, but suddenly stop showing up on their credit report. This situation can be confusing because the vast majority of people believe that accounts you owe money to must always show up on your credit report. What’s the best way to handle something [...]

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Thumbnail image for 6 Warning Signs For Credit Repair Scams

6 Warning Signs For Credit Repair Scams

May 5, 2010

Countless consumers across the country could benefit from a higher credit score. The desire for a cleaned up credit history and a higher credit score is well justified. A higher credit score gives you access to lower interest rates and a greater degree of borrowing power. And depending on the size of a purchase you [...]

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Thumbnail image for 3 Reasons To Get Your Credit Report

3 Reasons To Get Your Credit Report

April 9, 2010

The majority of consumers are not proactive about reviewing their credit report and becoming familiar with all that is on there. Most of us only learn what our credit score is when we go to make a large purchase (like a car, for example) and the finance person has to run our credit to see [...]

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Thumbnail image for Understand the Lingo: Write-Off vs. Charge-Off

Understand the Lingo: Write-Off vs. Charge-Off

March 26, 2010

If you think the terms “write-off” and “charge-off” mean the same thing, you’re not alone. Many people aren’t clear about the difference between the two. If you are experiencing financial struggles and are behind on your debt payments, understanding what these terms mean will be very helpful as you navigate your way out of debt. [...]

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Thumbnail image for When Will Negative Information Come Off Your Credit Report?

When Will Negative Information Come Off Your Credit Report?

March 22, 2010

Regular readers of the DIY Debt blog know how important it is to have a comprehensive understanding of how credit score reporting works. We’ve tried our best to explain in plain English how credit scores are calculated, how to fix errors on your credit report and how to effectively rebuild credit so readers can educate [...]

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Thumbnail image for How To Fix Errors On Your Credit Report

How To Fix Errors On Your Credit Report

March 18, 2010

Errors on credit reports are pretty common. In fact, I read somewhere once that 3 out of every 4 reports have errors of some kind. Sometimes errors occur due to an innocent mistake and other times it may be a result of sloppy data entry. A relatively easy way to improve your credit score is [...]

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