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Why is my discharged bankruptcy still on my credit report?

Why is my discharged bankruptcy still on my credit report? Bankruptcy by John Ulzheimer Share Share Email Despite some assumptions, bankruptcies aren’t removed from your credit report immediately after they are discharged.  Discharged 7 and 11 bankruptcies remain on your credit report for ten years from the filing date and discharged chapter 13 bankruptcies remain […]

Why isn’t my rent on my credit report?

Why isn’t my rent on my credit report? Credit Monitoring by John Ulzheimer Share Share Email The next time you pull your credit report take a look at the inventory of information listed. Do you see any rental obligations?  Any apartment leases?  If not you shouldn’t be surprised. The credit bureaus still very much have […]

Can I Build Credit By Becoming An Authorized User On A Credit Card?

Can I Build Credit By Becoming An Authorized User On A Credit Card? Credit Cards by John Ulzheimer Share Share Email I recognize credit scoring can be complicated and sometimes people can make mistakes when covering the topic or otherwise answering consumer questions.  Having said that, one of the lesser complicated aspects of credit scoring […]

What Are Account “Ratings” on my credit reports?

What Are Account “Ratings” on my credit reports? Auto Loans by John Ulzheimer Share Share Email Have you ever seen an actual raw credit report?  Meaning, a credit report that has been produced directly from a credit reporting agency for the purposes of lending and not a credit report cosmetically changed for consumer consumption. If […]

What’s The Difference Between A Credit Report and A Credit Score?

What’s The Difference Between A Credit Report and A Credit Score? Auto Loans by John Ulzheimer Share Share Email “John, I’ve read where you undress people who say credit scores are used by employers and then you get on them for using credit reports and credit scores as if they were the same things. Isn’t […]

Are You Accidentally Using A Credit Repair Company? Here’s How To Find Out

Are You Accidentally Using A Credit Repair Company? Here’s How To Find Out Credit Monitoring by John Ulzheimer Share Share Email “John, I had a call with a company today that I might hire to help me clean up my credit report. I asked them if they were a credit repair company and they immediately […]

How Often Does My Credit Score Change?

How Often Does My Credit Score Change? Auto Loans by John Ulzheimer Share Share Email The frequency with which your credit score changes is a product of the frequency of the changes in your credit report.  Because your credit score is based upon the information in your credit report, updates to your credit report can […]

Will Changing Banks Lower My Credit Scores?

Will Changing Banks Lower My Credit Scores? Auto Loans by John Ulzheimer Share Share Email With millions of consumers switching banks in fourth quarter 2011 (26 percent because of high fees), you may be concerned what impact moving banks may have on your credit score.  It all depends upon the financial institution’s policy.   Most banks […]

Why Did I Get IRS Form 1099-C From My Credit Card Issuer?

Why Did I Get IRS Form 1099-C From My Credit Card Issuer? Credit Cards by John Ulzheimer Share Share Email I received my first 1099 for tax year 2012 last week.  And while the weather suggests “It’s beginning to look a lot like Christmas” it’s also a reminder that we’re only 3 months away from […]