consolidated debt and secured credit

Credit Report Information

Debt Consolidation and Credit Card Counseling

Contents

Credit Report Information

We have published a number of articles on the topic of credit reports and scores. 

 

Annual Credit Report - you are, by Federal law, entitled to one free credit report per year. This is the official Website where you can apply to receive your report. For details about the credit report, you can visit the Federal Trade Commission.

Trans Union
800-916-8800
www.transunion.com
Contact Trans Union to obtain a copy of your credit report.

Equifax
800-685-1111
www.equifax.com
Contact Equifax to obtain a copy of your credit report.

Experian
888-EXPERIAN (888-397-3742)
www.experian.com
Contact Experian to obtain a copy of your credit report.

 

Credit Report and Score Articles

Credit Report Score Improvement Tips - A few simple steps will help improve your credit score. Here’s how.

The Universal Default Clause - Little-known wording in your credit card bill can hurt you.

Free Credit Report Scams - How you can avoid them

Credit Report -Check it Often for Free - You can avoid identity theft and other problems by checking it often

Read the Fine Print - Unusual clauses buried in your credit card and home loan documents could hurt you

The Importance of Credit Scores - Know how your actions can affect yours

Don’t Be a Phishing Victim - New scams are determined to obtain your vital information over the Internet

Identity Theft - Monitor Your Credit Activity - It’s easy to do and not very expensive

Watch Out for Bank Fees! - They can add up in a hurry and you may not even know they’re there.

How Credit Scores Work - What you need to know to keep yours high

Free Credit Report - Watch for Typos! - Other sites with similar names are out to steal your information

Debit Report Tracks Banking History - Be aware of new tracking system used by banks

Bad Credit Erased Overnight? - Websites promise a quick fix. Does this work?

Credit Card Debt - Read Your Bill - Credit card companies may use your credit report to raise your rates

Credit Report Affected by Parking Tickets - Small debts to cities and counties could negatively affect your credit report

Online Credit Report Fraud Tips - Quick ways to tell if you’re being defrauded

Free Credit Report Problems Continue - Fixes are in the works; could take time

Credit Scores and Reports are Widely Misunderstood - Many people are not well informed about what their score means

Credit Scores and Reports - More Misunderstandings - More examples of how the public needs to know more

Credit Repair After a Disaster - What Katrina victims and others can do to keep their credit healthy

Free Credit Report Doesn't Include Score -Here’s why

Credit Report Errors Hard to Fix - Restoring credit after an error can take months or years

Credit Reports -More Error Problems - More examples of what can go wrong

Credit Report Hurt by Old Debts - Old debts can come back to haunt you

Credit Report Can Lead to Eviction -Failure to pay debts may leave you homeless

Credit Report Monitoring - Bad idea? - It’s expensive and it may not help

Credit Scores and Debt Loads - How much credit you have isn’t the whole story

Credit Report Errors Need Fixing - How to fix credit report errors

Credit Report and What's On It - A short list of what you will find on yours

Credit Report and Keeping It Healthy -Some tips

Credit Report Entries - How Long Do They Last?

Credit reports and late payments - What happens when you pay late?

How to Get a Top Credit Score - What it takes to get to the 800 range

Credit Scores and How They Rank - What you can get for certain levels of score

Credit Report Hurts Housing Opportunities

Credit Score Hurt By Closing Accounts - Less credit may mean a lower score

Credit Scores Vary By Bureau - Each uses a slightly different scoring system

Credit Bureaus Introduce New Scoring System - They may be the same, after all

Credit Report Vital When Buying a Car - It’s part of the process, but it’s a big part

Credit Freeze Isn't Being Used - Why not?

Credit Repair with Seasoned Credit Scam - This one is subtle, but illegal

 

 

 

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