Credit Reports

As a general matter, no one credit bureau report is “more important” than the others.
In today’s economic environment, they are all vitally critical to your personal finances.

Erasing Bad Credit

Can Bad Credit be Deleted From My Credit Report

Yes, it can. Despite the fervent proclamations of bureaucrats and credit bureaus everywhere, a simple fact remains: negative credit listings are deleted from peoples’ credit

Credit History form

Buying A Timeshare Now Requires A Credit Check

Thinking about buying a timeshare? Seems like a new wrinkle has been added to the process: In addition to forking over cash and paying annual

consumer statement on credit report

Should I Put a Consumer Statement in My Credit Report?

Despite what some people may suggest to you, it’s best to refrain from adding a “Consumer Statement” to your credit files.

Consumer Statements in Your Credit Files

Under the Fair Credit Reporting Act, you are allowed to add a 100-word “Consumer Statement” to any of your credit reports if you have disputed an item in your credit files, but the item was not removed because it was verified by a creditor. Frequently, consumers think that taking advantage of this “right” to add a consumer statement is a good opportunity. After all, you would get a chance to divulge what happened, elaborate on the dispute, or perhaps explain why going through a divorce resulted in you not paying a bill or how being laid off for six months is what led you to default on a loan. In your mind, perhaps you think that your explanation will prove that something wasn’t your fault, or at the very least t show a lender that you had a “good” reason for failing to pay.

old debt

How to Remove an Old Debt From Your Credit Report

A man has an old credit card debt that is over 12 years old. The problem is that the debt still appears in his credit report. What should he do? Click now to hear Lynnette’s answer.

credit monitoring

Why Critics Are Wrong About Credit Monitoring Services

Most financial experts agree that routinely checking your credit reports is a smart idea. If you ask those same experts about credit monitoring services, however, you’ll likely get a lot of eye-rolling and negative comments.

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