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What’s a Mixed Credit Report?

What’s a Mixed Credit Report? Civil Penalty by John Ulzheimer Share Share Email In late July 2013 a jury awarded an Oregon woman $18.6 million over Equifax because of errors on her credit report. Her issue…she had a credit file that was mixed with that of another woman, who happened to have poor credit. So, […]

Can I Close On A Loan While My Credit Report is in Dispute?

Can I Close On A Loan While My Credit Report is in Dispute? Auto Loans by John Ulzheimer Share Share Email In what’s becoming a fairly common occurrence, consumers who have active credit report disputes are finding it hard to close on loans.  Consumers have the right to challenge items on their credit reports with […]

Does My Credit Report Combine With My Spouse’s Credit Report When We Get Married?

Does My Credit Report Combine With My Spouse’s Credit Report When We Get Married? Credit Report by John Ulzheimer Share Share Email From time to time I’ll receive questions from consumers regarding how their credit reports react to marriage. Many people believe that your credit reports and credit scores merge when you get married. This […]

If I order a copy of my credit report, will it hurt my credit scores?

If I order a copy of my credit report, will it hurt my credit scores? Auto Loans by John Ulzheimer Share Share Email When you get a copy of your credit report and/or monitor your credit, there is no impact on your credit or your score.  A credit inquiry is recorded on your credit report […]

Credit Report Error Rates Vary Wildy, Depending on Study Authors

Credit Report Error Rates Vary Wildy, Depending on Study Authors Credit Report by John Ulzheimer Share Share Email Credit report error rates vary wildly, depending on who you believe, from less than 1% to almost 80%.  There have been a small number of studies conducted on the topic and another is set to be released […]

Will An Eviction Show Up On My Credit Report?

Will An Eviction Show Up On My Credit Report? Auto Loans by John Ulzheimer Share Share Email An eviction from a rental property is not reported to the three consumer credit reporting agencies – Equifax, Experian and TransUnion. But (there is always an exception) this information could be reported as a collection or judgment on […]

What Happens To Your Credit Report When You Die?

What Happens To Your Credit Report When You Die? Credit Cards by John Ulzheimer Share Share Email The topic of this article comes across almost like a stupid question.  What happens to your credit report when you die?  This guy on the left came to visit so who cares?  You’re dead and I’m sure you’ve […]

Why should I monitor my credit report?

Why should I monitor my credit report? Credit Monitoring by John Ulzheimer Share Share Email There are three key ways to monitor your credit report.  One is to obtain your one free credit report annually from each of the three credit reporting agencies – Equifax, Experian and TransUnion. The second is to purchase your credit […]

Does Buying Your Credit Report or Score Online Lower Your Credit Scores?

Does Buying Your Credit Report or Score Online Lower Your Credit Scores? Credit Cards by John Ulzheimer Share Share Email “John, I have heard in the past that buying a credit report, credit monitoring service or a credit score from any of the retail credit websites will hurt your credit scores. I would like to […]