Pay down your credit cards.
Paying off your installment loans may can help your score, but typically not as dramatically as paying down — or paying off — revolving accounts like credit cards. The FICO model and even (from what we understand) the Vantage scoring system now used by the Big 3 weight credit card [...]

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Every young person has likely heard the warnings from parents or older friends and relatives: beware of credit cards and accruing significant debt. While such advice is common, it’s rarely taken, as many young people find themselves fighting a difficult uphill battle against debt. But young people aren’t the only ones who have traditionally proven [...]

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Are you one of those people who only ever got a credit card for the convenience of being able to pay without cash, or because you weren’t aware of any other easy way to borrow money? Millions of us are, thanks to the unavoidable advertising of the credit card industry, and few people realise just [...]

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Benefits of a Credit Report
Aside from protecting yourself against identify theft; credit monitoring is essential for improving your credit rating. Although lenders use credit reports to judge a loan applicant’s creditworthiness, credit reports are also beneficial because they keep us informed of our credit standing. Thus, we can know our odds of obtaining a home [...]

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Correcting Errors
Under the FCRA, both the consumer reporting company and the information provider (that is, the person, company, or organization that provides information about you to a consumer reporting company) are responsible for correcting inaccurate or incomplete information in your report. To take advantage of all your rights under this law, contact the consumer reporting [...]

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