How Can I Get A Collection Removed From My Credit Reports?
How Can I Get A Collection Removed From My Credit Reports? Credit Monitoring by John Ulzheimer Share Share Email First, how did the collection get there in the first place? After a lender has made many attempts to get you to pay a bill that is past due and has not been successful, they may […]
Credit Report Error Rates Vary Wildy, Depending on Study Authors
Credit Report Error Rates Vary Wildy, Depending on Study Authors Credit Report by John Ulzheimer Share Share Email Credit report error rates vary wildly, depending on who you believe, from less than 1% to almost 80%. There have been a small number of studies conducted on the topic and another is set to be released […]
Will An Eviction Show Up On My Credit Report?
Will An Eviction Show Up On My Credit Report? Auto Loans by John Ulzheimer Share Share Email An eviction from a rental property is not reported to the three consumer credit reporting agencies – Equifax, Experian and TransUnion. But (there is always an exception) this information could be reported as a collection or judgment on […]
What Is an Excellent Credit Score and How Do You Get One?
What Is an Excellent Credit Score and How Do You Get One? Credit Cards by Maria Shahid Share Share Email Having a good credit score is crucial if you ever hope to be approved for credit cards or loans without sky-high APRs. Ranging from 300–850, the three-digit number proves to lenders and credit card companies […]
How Many Credit Cards is Too Many for My Credit Score?
How Many Credit Cards is Too Many for My Credit Score? Credit Cards by John Ulzheimer Share Share Email There are only a small handful of credit score myths that have been able to stand the test of time. One of them is certainly that you have to have an exact number of credit cards […]
When Is It Okay To Close One Of Your Credit Cards?
When Is It Okay To Close One Of Your Credit Cards? Credit Cards by John Ulzheimer Share Share Email We’ve all heard the warnings…don’t close your old credit cards because your credit scores will go down! That warning is part truth and part myth. And, there are certainly times when you can safely close your […]
Will My Scores Go Up When I Dispute My Credit Report?
Will My Scores Go Up When I Dispute My Credit Report? Credit Monitoring by John Ulzheimer Share Share Email I received the following question last night from a Facebook friend: “John, I want to ask a question as you’re the only person I believe regarding this. (name withheld) says in a video that an “account […]
What Happens To Your Credit Report When You Die?
What Happens To Your Credit Report When You Die? Credit Cards by John Ulzheimer Share Share Email The topic of this article comes across almost like a stupid question. What happens to your credit report when you die? This guy on the left came to visit so who cares? You’re dead and I’m sure you’ve […]
Are Charge Cards and Credit Cards the Same Thing?
Are Charge Cards and Credit Cards the Same Thing? Credit Cards by John Ulzheimer Share Share Email They look the same, they’re used the same way, most retailers accept both…so credit cards and charge cards must be the same thing, right? Not really. Most people don’t realize that there is a difference between a charge […]
Which of These Is Considered Credit Repair?
Which of These Is Considered Credit Repair? Credit Monitoring by John Ulzheimer Share Share Email The definition of “credit repair” has different meanings to different people. What really matters, however, is how the term “credit repair” is defined by Federal and state laws. I put together a little quiz (below) which outlines 4 unique scenarios […]