Everyone has a right to check their own credit report annually. For a free copy of your credit report, simply go to www.annualfreecreditreport.com. This is a wise thing to do as often as possible. That’s the only way you will be able to identify any errors that may be on your credit report. Whether it’s...
While you’re on the mission of improving your credit score, there may be instances where you aren’t seeing a huge impact. Maybe you’re making payments on time and keeping balances low, but for some reason your credit score stays stagnate. When this happens, look at other factors that could be dragging it down. Other things...
If you’ve been trying to get your credit affairs together, yet having no luck there’s probably a good explanation for it. Many times people pay their debts on time and keep their balances low, yet for some reason never see a real increase in their credit score. It’s important to note there are other factors...
If you’ve been making payments on time, yet your credit score is stagnate, there may be other factors to consider. Making payments on time is the biggest factor affecting your credit score, but it isn’t the only factor that affects it. If you make a late payment, it could affect your score by at least...
In Part 1 of What Can You Legally Dispute On Your Credit Report, we covered errors that you should dispute including wrong identity information and other account mistakes. In part 2, we share other things you can dispute: Anything Past 7 Years: Derogatory information can only stand on your credit report for a certain amount...
If you’re wondering what you can dispute on your credit report, the answer is pretty much anything. The most common disputes you can make include: Wrong Identity Information: If you see anywhere on your credit report that shows a wrong name, address, or employment information, that’s grounds for dispute. This could very well mean that...
Every now and then, you may run across a mistake on your credit report. If you’re suspicious of an error on your credit report, it’s important to take action. The first step is to pull your credit report. You can easily get one for free at annualcreditreport.com. Next, go through everything to see what’s accurate...
In part 1 and part 2 of Making The Most Of Your Retail Credit Card, We covered the importance of not using your card for financing. We also covered when the most ideal time is to sign up for a card. In part 3, we cover the added benefits stores may offer exclusively to its...
In part 1 of Making The Most Of Your Retail Credit Card, we discussed the benefits of signing up for store credit cards when you’re making a big purchase. In part 2, we share why you shouldn’t use your store credit card to finance purchases. You don’t want to finance purchases on your retail card...
When you’re at the checkout line at your favorite store, it may be hard to resist the store credit card offer. At first they may seem wonderful with all of the savings they promise, but there are cons to having one that every shopper should look out for. The good news is if you plan...
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