How To Lower Your Credit Card Interest Rate
How To Lower Your Credit Card Interest Rate Credit for Beginners by David B. Coulter Share Share Email With the average credit card interest rate at just over 14.5% in the US, making purchases or borrowing on plastic can be expensive. But if your annual percentage rate (APR) goes above average — bearing in mind […]
Why Is My Boyfriend’s Credit Card On My Credit Reports?
Why Is My Boyfriend’s Credit Card On My Credit Reports? Credit Cards by John Ulzheimer Share Share Email The following question was submitted as a comment to one of my articles, via Facebook. “John, I have an error on my credit report and I need to get it corrected. My boyfriend’s credit card is on […]
Will it hurt my credit if I’m denied for a loan or credit card?
Will it hurt my credit if I’m denied for a loan or credit card? Auto Loans by John Ulzheimer Share Share Email When you apply for credit, the potential creditor reviews your credit report and this act is recorded on your credit reports as an “inquiry.” This inquiry simply indicates that you’ve applied for credit […]
Can I Get An Auto Loan With Bad Credit?
Can I Get An Auto Loan With Bad Credit? Auto Loans by John Ulzheimer Share Share Email Periodically the Professional Risk Managers’ International Association (PRMIA) conducts a survey of bank risk professionals and lenders on behalf of FICO, the company that invented the credit score. A recent survey was conducted in June 2012 and received […]
Experian Donates over $17 Million of Credit Monitoring Services to Support The National Foundation for Credit Counseling
Experian Donates over $17 Million of Credit Monitoring Services to Support The National Foundation for Credit Counseling Credit Monitoring by John Ulzheimer Share Share Email The National Foundation for Credit Counseling® (NFCC) and Experian® jointly announced today that Experian committed 80,000 free, 12-month memberships to its freecreditscore.com product in support of the NFCC’s Sharpen Your […]
How Healthy is Your Credit Score?
How Healthy is Your Credit Score? Credit Report by Maria Shahid Share Share Email Your credit score is one of the most critical numbers in your financial life. Whether you’re applying for a new credit card, personal loan, or a mortgage, it is vital to know your credit score so that you have the proper […]
Can Medical Bills Hurt My Credit Scores?
Can Medical Bills Hurt My Credit Scores? Credit Monitoring by John Ulzheimer Share Share Email Medical providers such as hospitals, doctors, and clinics don’t normally send information to the credit bureaus. Medical bills are not usually reported to the credit bureaus unless the bills have been either turned over or sold to a collection agency. […]
Does My Income Impact My Credit Score?
Does My Income Impact My Credit Score? Credit Report by John Ulzheimer Share Share Email You would think that a person with a high income would also have a high credit score, but that is not necessarily true. It depends upon how they pay their bills and how much of their credit they use and […]
What’s a Thin Credit File?
What’s a Thin Credit File? Auto Loans by John Ulzheimer Share Share Email “John, I applied for a credit card and I was turned down because of a “thin” credit report. What in the world is a thin credit report?”
How Can I Shop Around For The Best Credit Card Rates?
How Can I Shop Around For The Best Credit Card Rates? Credit Cards by John Ulzheimer Share Share Email I got a great question from a consumer recently about rate shopping. The question was so relevant that it warrants a short blog on the topic. Here it is…