How Much Of Your Credit Card Limit Should You Use?
How Much Of Your Credit Card Limit Should You Use? Credit Cards by David B. Coulter Share Share Email It can be exciting when, signing up for a new credit card, you discover that the bank is offering you a higher borrowing limit than you first anticipated. Recognizing that, with your three credit cards, you […]
How Often Do I Get a Free Credit Report?
How Often Do I Get a Free Credit Report? Credit Monitoring by John Ulzheimer Share Share Email In the world of credit there are plenty of things to be confused about. Credit scoring, risk management, insurance scores, employment screening, pre-screening, the value of credit inquiries…one thing after another. What I never thought would be confusing […]
What is the impact of a credit dispute on my credit reports?
What is the impact of a credit dispute on my credit reports? Credit Cards by John Ulzheimer Share Share Email When you get a copy of your credit report you should review it for accuracy. If you find any errors on your credit reports you should contact the credit bureaus and dispute the information. The […]
How Late Can I Be On a Payment Before My Credit Scores Get Damaged?
How Late Can I Be On a Payment Before My Credit Scores Get Damaged? Credit Cards by John Ulzheimer Share Share Email I received the following question from a reader asking about how late payments make their way to credit reports. “John, I just converted from paper statements to email statements for my credit cards. […]
Can I Get An Authorized User Removed From My Credit Report?
Can I Get An Authorized User Removed From My Credit Report? Credit Cards by John Ulzheimer Share Share Email I’ve written often about the benefit of being an authorized user on a parent or loved one’s credit card as a strategy for building or rebuilding credit reports and credit scores. Despite what some pretend financial […]
What Can I Do if My Credit File Is Mixed With Someone Else’s?
What Can I Do if My Credit File Is Mixed With Someone Else’s? Credit for Beginners by David B. Coulter Share Share Email Some mixes are legendarily good: peanut butter and jelly, cream cheese and bagels, rain sounds and sleeping in. Other mixes are a little less “Hey, I love Neapolitan ice cream!” and a […]
Credit Monitoring Affiliate Program
Credit Monitoring Affiliate Program Credit Monitoring by Maria Shahid Share Share Email Do you have a website or social media channel that you’re looking to monetize? Do you offer a service where your clients could benefit from credit monitoring or an increased credit score? If you do, this credit monitoring affiliate program may be a […]
Mastering the Art of Credit Negotiation to Lower Rates and Payments
Mastering the Art of Credit Negotiation to Lower Rates and Payments Credit for Beginners by Staff Writer Share Share Email This may seem crazy, but believe it or not, you can work with your creditors to get lower interest rates. Understanding how to negotiate effectively with creditors can lead to lower interest rates and manageable […]
Are Short Sales Indicitive of Elevated Credit Risk?
Are Short Sales Indicitive of Elevated Credit Risk? Credit Monitoring by John Ulzheimer Share Share Email A short sale is when you sell your home for less than the amount of the mortgage. This results in a settlement for less than the full amount of the mortgage. The sale is reported on the credit report […]
6 Ways to Control Your Future Credit Score
6 Ways to Control Your Future Credit Score Credit Monitoring by David B. Coulter Share Share Email The information recorded in your credit report can make or break your next loan or credit card application. Taking a little time to examine and dispute your credit report errors can not only strengthen your acceptance odds, but […]