What is a Credit Freeze?
What is a Credit Freeze? Credit Monitoring by John Ulzheimer Share Share Email A credit freeze is used to prevent potential lenders or other businesses from reviewing your credit reports and credit scores without your consent. This prevents identity thieves from opening credit accounts in your name, even if they have your social security number […]
What is ScoreTracker?
What is ScoreTracker? Credit Report by Maria Shahid Share Share Email With all that is happening in the world right now, financial stresses are an area of concern. In the current climate, there are financial stresses. With the right score, you can save thousands of dollars in interest. Whether you are looking to increase your […]
What to Know About FHA Loan Qualifications
What to Know About FHA Loan Qualifications Money & Identity by Maria Shahid Share Share Email The Federal Housing Administration loan was borne out of the Great Depression, but it’s still a lifeline in the era of booming home ownership. Depending on your credit score, it may well be the best option available for buying […]
What Is The Bluebird Card?
What Is The Bluebird Card? Credit Cards by John Ulzheimer Share Share Email American Express and Walmart have teamed up to offer a debit card with low fees and advanced capabilities. It is targeted to the consumer who wants advanced banking services without paying high fees. According to American Express and Walmart, this account is […]
What Does a Mortgage Do to Your Credit Score?
What Does a Mortgage Do to Your Credit Score? Credit Score by David B. Coulter Share Share Email One of the best financial decisions you can make is to purchase a home. Although the recent housing bubble reveals that buying a home can be risky, there are still many benefits to owning your dwelling. Particularly […]
What is A Credit Inquiry?
What is A Credit Inquiry? Credit Monitoring by John Ulzheimer Share Share Email What in the world is an inquiry? And, more importantly, why do they hurt my scores? And how are people who shop for the best rates protected from many inquiries? Let’s tackle these in order… The definition of a credit inquiry is […]
What are “Score Factors”
What are “Score Factors” Credit Report by John Ulzheimer Share Share Email Score factors, which are also known as “reason codes”, describe the reasons your score was not higher. Since credit scores’ “secret sauces” are not divulged by the developer, score factors help to explain the score. That way the company can explain it enough […]
What Is ScoreMaster?
What Is ScoreMaster? Credit Report by Maria Shahid Share Share Email Has your credit ever gotten to an all-time low, and you didn’t know what to do? Are you trying to reach your dream credit score, but you’re not sure how to get there? With ScoreMaster, you can be the master of your credit score. […]
What Is an Excellent Credit Score and How Do You Get One?
What Is an Excellent Credit Score and How Do You Get One? Credit Cards by Maria Shahid Share Share Email Having a good credit score is crucial if you ever hope to be approved for credit cards or loans without sky-high APRs. Ranging from 300–850, the three-digit number proves to lenders and credit card companies […]
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 […]