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I Haven’t Used My Credit Card In Years, Why Isn’t It Closed?

I Haven’t Used My Credit Card In Years, Why Isn’t It Closed? Credit Cards by John Ulzheimer Share Share Email Your credit card is not automatically closed, even if it hasn’t been used for a few years.  Credit card companies really want your business, so they don’t usually close the account unless you can’t pay […]

A Week at The Beach…How I Chose The Credit Card I’ll Use

A Week at The Beach…How I Chose The Credit Card I’ll Use Credit Cards by John Ulzheimer Share Share Email Tomorrow we head out for a week and the beach and my bags are almost packed. When I leave tomorrow morning I’m going to have to decide which credit cards I want to take, and […]

Pros and Cons of Credit Monitoring Services

Pros and Cons of Credit Monitoring Services Credit Monitoring by David B. Coulter Share Share Email It’s very easy to get confused about whether or not credit monitoring is something that you should invest in. With the amount of credit monitoring services available in the marketplace, it can be even more confusing when trying to […]

Does My Credit Report Combine With My Spouse’s Credit Report When We Get Married?

Does My Credit Report Combine With My Spouse’s Credit Report When We Get Married? Credit Report by John Ulzheimer Share Share Email From time to time I’ll receive questions from consumers regarding how their credit reports react to marriage. Many people believe that your credit reports and credit scores merge when you get married. This […]

Managing Credit Accounts and Finances for a Loved One

Managing Credit Accounts and Finances for a Loved One Credit Monitoring by David B. Coulter Share Share Email Imagine that the unthinkable happens and your loved one suffers from sudden memory loss or an extended illness. Would you be able to step in and take over their financial affairs? Perhaps you’re in that situation now. […]

If I order a copy of my credit report, will it hurt my credit scores?

If I order a copy of my credit report, will it hurt my credit scores? Auto Loans by John Ulzheimer Share Share Email When you get a copy of your credit report and/or monitor your credit, there is no impact on your credit or your score.  A credit inquiry is recorded on your credit report […]

Is Credit Repair a Scam, or Does It Really Work?

Is Credit Repair a Scam, or Does It Really Work? Bankruptcy by John Ulzheimer Share Share Email Nothing polarizes credit industry players like the topic of credit repair. When you think of credit repair companies you might envision the sleazy business person bilking the uneducated consumer out of thousands of dollars while promising that they […]

The FTC’s Credit File Accuracy Study…Fair and Balanced

The FTC’s Credit File Accuracy Study…Fair and Balanced Credit Cards by John Ulzheimer Share Share Email Yesterday the FTC released their long awaited credit file accuracy study.  It consumed my day.  I did 14 interviews with major media outlets and I went to bed dead tired at 8:00. But enough about me. While the press […]

If I Pay A Collection Will It Stay On My Credit Reports For Seven More Years?

If I Pay A Collection Will It Stay On My Credit Reports For Seven More Years? Credit Monitoring by John Ulzheimer Share Share Email I recently received this question from a reader regarding how to deal with old unpaid collections. “John, I am applying for a mortgage loan and the loan officer is telling me […]