Credit Scores

Wednesday, August 5, 2020

Reminder -- free credit reports


Reminder -- free credit reports available every week, not just once a year.   Know what's reporting about you including any errors.  

Same website: Read more . . .


Thursday, July 2, 2020

Banks Have No Idea Who’s Creditworthy Anymore - The Wall Street Journal


Prepandemic, deferrals weren’t much of a problem for banks. They were used rarely for most types of consumer debt and were usually confined to areas hit by natural disaster. Now, a staggering number of consumers around the U.S. are in deferral or other repayment programs, leading banks to question whether the credit scores and reports they have relied on for decades are reflecting applicants’ true level of risk.
Read more . . .


Thursday, April 23, 2020

Weekly Free Credit Reports Available


Free credit reports usually come once a year.  Hence the website name Read more . . .


Friday, March 13, 2020

Credit repair firm settles with FTC


Your credit score affects whether you can get a loan — and how much you’ll have to pay to borrow money. People with low credit scores often have to pay more.
Read more . . .


Thursday, January 30, 2020

Why Your Credit Score Could Drop


The FICO score, one of the most widely used credit scores in America, is about to go through some major revisions. WSJ's AnnaMaria Andriotis explains what the changes are and why the current scores may be out of whack.

https://www.
Read more . . .


Tuesday, December 10, 2019

How to get a free credit report


Monitoring your credit report is a smart and simple way to be proactive about your finances. Checking your credit report regularly can help you spot fraud early and ensure the correct information is reported to the credit bureaus. 

https://www.
Read more . . .


Wednesday, November 27, 2019

Which Credit Score Do Lenders Actually Use?


Not much has changed over the years in terms of consumers' challenges in obtaining the same credit score that lenders obtain.  

 Here's an article from 2017 in Forbes highlighting the issue: https://www.forbes.


Read more . . .


Tuesday, November 19, 2019

What happens when you miss a credit card payment?


Wonder how a late payment affects consumers differently?  See a sample comparison by FICO.

https://www.cnbc.
Read more . . .


Wednesday, September 11, 2019

How Can Identity Theft Affect Your FICO Scores?


When a criminal steals your identity, he or she can also steal your good credit score.

https://blog.myfico.
Read more . . .


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