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Understanding Credit Agencies - Articles & Resources
Understanding Your Credit Agencies Score
Equifax is one of the top credit reporting bureaus and is well-versed in calculating your credit score based upon your credit history. Your credit score helps lenders to determine if you a credit worthy...
Credit Bureaus: Information You Need To Know
When you pay your credit card bills, your loan balance, or your medical bills, this information is recorded and sent to credit reporting agencies, or credit bureaus. It is their job to keep track of your...
The Big 3: Transunion, Experian and Equifax
Imagine the next time you join a discussion about credit report agencies. When you start sharing the fascinating credit report agencies facts below, your friends will be absolutely amazed.
Credit reporting...
Equifax Credit Reports Better?
Every single American is entitled to a free copy of their credit report. This is a new option as in the past people have had to pay for their credit report. This free credit report occurrence is due to...
The Fair Credit Reporting Act
Fact: Over 150 million Americans have credit report with the three major credit reporting agencies. Approximately 50 million of these credit reports contain errors, many of which are inaccurate. Do you...
TransUnion Credit Reports Explained
TransUnion is an international credit-scoring agency which helps lenders make decisions on your credit application. Credit comes in many shapes and sizes--from car loans to credit cards, personal loans...
Experian Credit Report System Explained
Your credit score is one of the most important numbers attached to your name. Your Experian credit score will show you what kind of shape you are in if you are looking to borrow money or get credit of...
My credit was fine a week ago, now it's not - what happened?
There are a few things that can cause your credit to take a dive without you knowing it. The first is an inquiry. In this case a credit card company, utility company or mortgage company might request a look at your credit information. You might have done some work to better your rating in the last couple of months; however it takes a few more months for that information to show up. Another more obvious problem might be the failure to pay your bills on time. And lastly charge offs might be another reason for receiving bad credit. A charge off is when you didn't pay a bill, forgot to pay a bill, and it has become obvious to a company that you are never going to pay the bill. The company will write off your incompetence as a loss on their books for their taxes.
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