I have a credit report, why don’t I have a credit score?
I have a credit report, why don’t I have a credit score? Credit Cards by John Ulzheimer Share Share Email In order to have a credit score, you must have a credit report. The reason is that score is calculated from the data on the credit report. The credit report information has to be current […]
CFPB launches credit report complaint database
CFPB launches credit report complaint database Credit Cards by John Ulzheimer Share Share Email The CFPB just announced their new online credit report complaint database. Credit reporting agencies like TransUnion, Experian, and Equifax, provide reports and credit scores that effectively tell lenders what sort of human being you are. Your credit reports influence whether or […]
Simple Steps to Disputing Credit Report Errors
Simple Steps to Disputing Credit Report Errors Credit Monitoring by Maria Shahid Share Share Email Credit report errors are quite common, which makes knowing how to dispute them very important. But how exactly can a credit report error affect you, and what do you do if it happens to you? If you find something in […]
CFPB Semi-annual Report on Consumer Complaints – Part 1
CFPB Semi-annual Report on Consumer Complaints – Part 1 Credit Cards by John Ulzheimer Share Share Email The Consumer Financial Protection Bureau (CFPB) started accepting consumer complaints in July 21, 2011. The Bureau was charged with protecting consumers against deceptive practices by the consumer financial services industry. The first complaints were about credit cards; the […]
How Early In Life Can I Have A Credit Report?
How Early In Life Can I Have A Credit Report? Auto Loans by John Ulzheimer Share Share Email “John, I’m 16 years old and I’m already very interested in credit and you won’t guess why. My parents have terrible credit and I want to make sure I don’t follow! I know I’m only 16 but […]
Adulting 101: How to Interpret Your Credit Report
Adulting 101: How to Interpret Your Credit Report Credit Cards by Maria Shahid Share Share Email Aside from monitoring your credit score every month, you should make sure to check your credit report at least twice a year for errors or signs of fraud. Fair warning though, a credit report is more difficult to understand […]