Author: C.M. Lenard

How Do Credit Scores Work? Credit Scores are used by most creditors, and we’re being marketed to, almost on a daily basis, to watch our credit scores closely (ie, free credit scores, credit monitoring, alerts, etc.), but why? Why do credit scores matter and how do they work? Why Credit Scores Matter Most financial institutions […]

Inquiries can appear on your credit report and even bring down your credit score, depending on the type of pull that occurred. So what is the difference between a soft pull and a hard pull? If you decide to apply for a bunch of credit cards, you’ll quickly find out that your score can be affected […]

Your credit report is, as simple as it sounds, a report of your credit history. Your credit history starts from the age of 18 and exists for as long as you do. Everything you do, as far as credit goes, good and bad, will appear on this snapshot of your credit history. What Are Credit […]

If you’ve read some of our articles regarding disputing negative items on your credit report, you may have noticed that we have discussed the Method of Verification a few times. Method of Verification is a consumers legal right under the Fair Credit Reporting Act section 611 (a) (7). This section states that: A consumer reporting […]

How Can I Get My Credit Report for Free? There are many ways to get your credit report, even for free. You can get your credit report by phone, by mail or online. There are 3 different credit bureaus that you should be concerned with: Experian, Equifax and TransUnion. Getting Your Credit Report for Free […]

There are a lot of different things that can be reported to the credit bureaus and put on your credit report, but how long do the negative items stay? That depends. As stated above, there are many different types of negative information that can show up on your report. For instance: Late Payments can stay […]

There’s a lot of information out there on credit-related subjects, but not so much when it comes to knowing what credit bureaus are. So let’s discuss what they are and what they do, as it’s an important part of nearly every consumers life. A Credit Bureau, also referred to as a credit (or consumer) reporting […]

How to Dispute Credit Report Errors Understanding Credit Reports isn’t exactly science, but it can be a bit difficult for some individuals to figure out. That included me at one point, too. In this article we will attempt to explain how credit reports work and how you can use them to your advantage down the […]

Credit is ubiquitous in this day and age.  It seems like some form of credit is used to make all our purchases.  Our houses are bought with a mortgage.  Our cars are bought with an auto loan.  Our electronics are bought with a credit card.  These are all prime examples of just how prominent credit […]