Protected: How to Avoid Getting Too Much Junk Mail
There is no excerpt because this is a protected post.
Category Uncategorized
What is the difference between identity theft and identity errors
The difference between identity theft and identity errors A popular credit topic these days is identity theft, and it is definitely a problem. Many people suffer when their personal information is stolen and credit is opened in their name. What so…
Reading your credit report Part 7: Inquiries
Credit Inquiries The final part is inquiries. That’s a list of everyone who asked to see your credit report. Any time anyone gets into the report, it’ll post an inquiry. That means if you try to apply for a credit card,…
Reading your credit report Part 6: Public Records
Public Records The next section is the part you want to be blank. The public records section is never a good story. If you have a public record on there, you’ve had a problem that has required litigation. It doesn’t…
Reading your credit report Part 5: Collection Accounts
Collection Accounts Collection accounts are accounts that are seriously past due and have been transferred to an attorney, collection agency or creditor’s internal collection agency. As your debt is transferred between different agencies, you may see several records on your…
Reading your credit report Part 4: Detailed Credit Information
Details Credit Information Most credit reports also give you more in-depth information about specific accounts. This is also an important part of the credit report you’ll want to review for accuracy. The following information may be reported for your account…
Reading your credit report Part 3: Credit Account Categories
Credit Account Categories Credit accounts are divided into five categories: real estate, installment, revolving, collection and other. Here is a better description of each category: Real Estate: First and second mortgage loans on your home. Installment: Accounts comprised of fixed…
Reading your credit report Part 2: Intro to Credit History
Intro to Credit History The next section is your credit history. Sometimes, the individual accounts are called trade lines. Each account will include the name of the creditor and the account number, which may be scrambled for security purposes. You…
Reading your credit report Part 1: Identifying Information
Identifying Credit Information Once you get a copy of your credit report, it’s important to know how to read it. There are going to be an awful lot of numbers, abbreviations and terms you’ve never seen before. Trade lines, charge-offs,…
Obtaining Your Credit Report
Obtaining Your Credit Report The first step you need to take when trying to fix your credit score is to find out what your score is and what it means. Legislation called the FACT Act was passed that allows all…