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74Credit Score Factoring Codes
Credit Report Factor Codes Code # Reason 1 - Amount owed on accounts is too high 2 - Level of delinquency on accounts 3 - Too few bank...
1 comment54What Does Your Credit Score Effect
Your Score Affects... Your credit score doesn't just affect whether or not you get a loan; it also affects how much that loan is going to cost you. As your credit score increases, your credit risk...
2 comments54History of the Credit Score
A credit score is a number that is calculated based on your credit history to give lenders a simpler "lend/don't lend" answer for people who are applying for credit or loans. This number helps the lender...
0 comments59All About Credit Reporting Agencies
Consumers often make the mistake of assuming that Credit Reporting Agencies are State, Federal or Government operated. The truth is, the credit reporting agencies are not associated in any way with the...
0 comments44$0 Account Balances
Accounts With a 0 Balance Hurt My Credit Score! Yes, they are unmanaged liabilities. You would be better off to open an account as needed, or keep a small balance ( $50-$100 ) , 30% or less of the high...
0 comments56How To Improve My Credit Score
Improving a credit score requires establishing good, clean, current, positive and active credit. This will raise a credit score as soon as it is reported to the credit bureaus and included in the credit file....
1 comment56Credit Score Myths Answered
Myth #1 YOU ONLY HAVE ONE CREDIT SCORE In truth, you have three (3) credit scores, one from each of the three (3) major credit bureaus. These scores can vary by as much as 50 points or more. This...
0 comments53Steps To Improve Your Credit Score
** Pay your bills on time ** One of the best ways to improve your credit score is simply to pay your bills on time. This is absurdly simple but it works very well, because nothing shows lenders that you...
0 comments46Credit Inquiries
Do Inquiries Cost Me Points Off My Credit Score? Yes & No Not All inquiries hurt your credit score. The inquiry that does NOT hurt your credit score….is the one pulled by one of your credit...
0 comments42History of the Credit System
History of Credit Reporting How did credit get started? In the very early days, when people bought things on credit at the general store, the store clerk wrote the purchase amount on a piece of...
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