credit-report
—>Does paying off and closing a credit card hurt your credit score? That's a two-part question. The answer to the first one is no, it helps, and the answer to the second is yes, closing your credit card hurts your credit score. Credit bureau Exerpian's "Ask Max" says, More »
—>Kristin and her husband say they've made all the payments on their Nissan Altima on time, but Nissan has nevertheless denied their payments and reported them delinquent to credit bureaus. Customer service won't help, and they don't know what to do. Their story: More »
—>Dan Denton was about to get a much-needed job. Then the recruiters saw his blemished credit report and took away their offer. More »
When your credit score sustains a dent, make sure your car doesn't. Because higher car insurance is just what you need when you've lost your job. Auto insurers use customers' credit scores as part of the formula to determine premiums. Shop around—different companies assign different weights to credit score in their calculations. [MainStreet.com] More »
—>A study from Fair Isaac confirms that even the best borrowers are seeing their credit lines slashed as banks move to boost profitability during the recession. 16% of Americans have seen their credit lines reduced by an average of $2,200, and of them, 11% had no late payments or negative marks on their credit report. More »
—>You've probably seen those commercials featuring a friendly looking jackass and his factually inaccurate songs about what can happen to you if you don't check your credit report. It's true, checking your credit report is a good idea, but you can avoid subscription-hawking pay sites and, instead, go to AnnualCreditReport.com. More »
—>Having trouble finding the mailing address for any of the three major credit bureaus, TransUnion, Experian, Equifax? Here they are: More »
—>Freecreditreport.com is NOT actually free, nor is it related to Annualcreditreport.com, the free credit report that you are entitled to under federal law. So why are people still being tricked into signing up for a credit monitoring service in order to get something that they are entitled to under federal-freaking-law? Because the credit bureaus are linking them to the website and most consumers don't believe that a major credit bureau would try to trick them. Always read the fine print! More »
—>A credit freeze is a tool to prevent ID theft for those people who believe that their information has been compromised. If an ID thief applies for credit and your report is frozen, the thief will be denied. More »
—>Jim writes to tell us that he ordered AT&T U-Verse (it's supposed to be installed tomorrow) and was surprised to find a letter in his mailbox telling him that AT&T had decided to "Limit and/or deny the purchase of products and/or services" based on his credit report. More »
—>Here's a method from Wikihow on building up your credit and creating credit references. More »
