Improve Your Credit Related Articles List

• Introduction to Credit Score Ranges

  Ever wonder what type of scores are “good” credit scores, and what type of scores are “bad” credit scores?  This brief article generally describes credit score ranges.

• Introduction to Credit Scores

  The first thing that comes to mind when most people think about their credit is their “credit score”.  Just what is a credit score?  This article gives you the information you need to understand exactly what a credit score is, and how it is calculated.

• Annual Credit Report Comparisons: Which Report Should You Get?

  The U.S. Government requires that each of the three major credit agencies, Equifax, TransUnion and Experian, provide every consumer with one free credit report each year. This is great news for you! Having an annual credit report on hand to review can help you keep your finances in order. You can study your report and look for ways to improve your credit score. Checking your annual credit reports regularly can also help you detect identity theft and other problems that could affect your credit.

• Shopping for a Mortgage? Credit Score Information You Need to Know

  Are you interested in taking out a mortgage loan?  Needless to say, credit matters.  All of the big three credit bureaus, Equifax, Experian and TransUnion collect data from lenders and creditors that you have previously worked with.  Any new lending institution interested in financing your mortgage loan will want to know how you have treated creditors in the past.  They will scrutinize every detail of your credit report for the mortgage.  Credit score is important and is usually represented by a FICO score, a system created by the Fair Isaac Corp that runs from 300 to 850.

• Free Credit Report: Government Rules that Help You

  Reporting errors.  Merged reports. Identity theft.  All of these problems can crop up in your credit report, and cost you big bucks with higher credit costs.  Luckily, the Government has enacted some laws that can help you find (and correct) these types of errors in your credit history.

• “3 Bureau Reports”: Get the Full Picture of Your Credit History

  What is the significance of a 3 bureau report?  A credit bureau is a company that collects information on a consumer’s financial history.  Each bureau gets their information from a variety of sources, which are called data furnishers. Learn more about why you need to get your 3 bureau report to see your full credit picture.