Category: Credit Scores

How often should I check my credit report?

Question: “I read somewhere that I should check my credit report often, to make sure there are no errors on it. Is this true? How often should I check my credit report for this kind of thing?”
I can’t seen any reason to pull your report more than once a year. You’re actually entitled to one [...]

What is My Credit Score, and Other Credit Questions

What is my credit score currently? What factors make up my score? How do I know if it’s good or bad? How much does it affect my chances of getting a mortgage loan?
These are some of the most frequently asked questions relating to consumer credit. In this article, we will address all of these topics [...]

FreeCreditReport.com Has 11,046 Customer Complaints

Legal Note — I make no claims or assertions about FreeCreditReport.com, other than sharing this data relating to their BBB record (which is public record). The data reported in this article was taken from this page on January 7, 2010.
FreeCreditReport.com has racked up more than 11,000 Better Business Bureau complaints over the last 36 months. [...]

How Do I Check My Credit Score Online?

Question: “I want to check my credit score because I’m applying for a mortgage loan soon. What’s the best way to check it without having to pay for other stuff I don’t need?”
This is a common question among home buyers. Here’s why. You see a website that offers you a free credit score, which is [...]

How to Rebuild Your Credit After Bankruptcy

In this lesson, we will discuss some of the things you can do to rebuild your credit after a bankruptcy filing. In particular, we will talk about the credit-reporting laws that relate to bankruptcy, as well as some tips for improving your score.
The number of personal bankruptcy filings are up this year, and they’ll probably [...]

Fewer Credit Cards for People with Bad Credit

Changes within the credit industry could soon put cards out of reach for people with bad credit scores. These changes are happening now, and they will continue through 2010. Here’s what you should know:
I don’t usually write about credit card topics on this blog, because it has little to do with the real estate focus [...]