Having and maintaining an excellent FICO credit score can be the difference between getting approved or denied for a loan, and also influences your interest rates. There are several factors that can have positive or negative effects on a credit score; the three most important being paying your bills on...
Credit monitoring gets a lot of media attention these days. Between constant TV and Internet ads for monitoring services, coverage of security hacks and identity theft; the need for more vigilant monitoring is growing. Although practically everyone who carries a credit card has a basic understanding of what credit monitoring...
Every consumer who has ever had a credit card or any other type of loan has a credit history with each of the three major consumer credit bureaus; Equifax, Experian, and TransUnion. Rather than pouring through pages of your credit report, most lenders have simplified the process by purchasing each applicant's credit score....
Many parents want to help their children start building their credit foundation early, and to do so, they become co-signers or allow their children to become authorized users on their credit card accounts. Both of these options have advantages and disadvantages, but do you know the difference? Here we will clarify...
Citi has begun delivering free FICO Scores to Citi-branded consumer credit cardmembers, as previously announced last fall. Beginning immediately, millions of Citi cardholders can access their FICO Score online at www.citi.com/creditscore after logging in with their account credentials. Citi will provide monthly updates to the FICO Scores, based on Equifax...
A healthy credit score is practically essential for comfortable living these days. Without credit, it’s nearly impossible to get an auto loan, mortgage, or personal loan if needed. Interest rates are excessively high for those who have limited or bad credit. Having a good credit score -or even better- a perfect...
Credit reports and all issues related to it have been trending for quite some time now. After FICO’s proposal to drop medical debt from its credit scoring model in order to help people come out of its vicious yolk, Congresswoman Maxine Waters (D-CA) has come up with a fresh bill...
Understanding Credit Card Interest The Consumer Financial Protection Bureau (CFPB) collected 30,000 complaints last year with many of them related to credit cards and debt complaints. With the average interest rate for credit cards currently at 15%, it’s more important than ever to understand how interest rate is calculated and how...
Like most topics, there are a lot of fallacies online relating to your credit report and credit score. “Six Major Credit Myths, Debunked” were published on myFICO earlier this year, so here we bring you 3 additional myths consumers commonly believe. The following information was largely collected from an expert session...
All Americans have some interest in making sure that they have a good credit report and a high credit score. Certainly, these factors are vital when applying for a home mortgage, an auto loan, or a new credit card. But in addition, our credit histories are increasingly becoming a factor...
Tens of millions of Americans could soon have substantially more borrowing power, thanks to a groundbreaking change at the country’s most prominent credit scoring company. The Fair Isaac Corporation, better known as FICO, is the leading provider of credit scores in America. FICO just announced changes in the way their scoring model...
Your credit affects your financial life in many ways. Car insurance premiums and your interest rate on home and auto loans are determined, in part, by your credit score and credit report, and some employers actually check your report when deciding whether or not to hire a candidate for employment....
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