Credit Scores

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 . . .


Thursday, September 5, 2019

New Trump Administration Rule Will Look at Immigrants’ Credit Histories


The Trump administration imposed sweeping changes to U.S. immigration policy this week, including letting the government—apparently for the first time—weigh prospective immigrants’ credit history when deciding who gets to come to the U.S. and who gets to stay.
Read more . . .


Wednesday, September 4, 2019

How Do Different Credit Actions Impact Your FICO Scores?


https://blog.myfico.com/credit-actions-affect-fico-scores/

 The way you manage your finances and use credit (both positively and negatively) can impact your FICO® Scores.
Read more . . .


Thursday, August 22, 2019

There are no “quick fixes” to clean up your credit


If you’re trying to clean up your credit, you’ll come across plenty of companies offering an easy fix. But any company promising instant results for a price is likely a scam.

Read more . . .


Wednesday, August 14, 2019

How do Credit Bureaus Get Your Information?


The top three credit bureaus (also known as credit reporting agencies) are Experian, Equifax and TransUnion. When you’re applying for credit, lenders depend on the data provided by these bureaus to make their decision whether or not to lend you money. So where does this data come from in the first place?

https://blog.
Read more . . .


Tuesday, March 19, 2019

New federal law allows consumers to freeze credit


If you have accounts on your credit reports that you do not recognize, learn more at nyconsumerlaw.
Read more . . .


Wednesday, March 13, 2019

How to Monitor Your Credit Without Hurting Your Credit Score


There are two primary credit scoring models that lenders use to determine your risk. They are:

  • FICO® Score
  • VantageScore

Even though each model uses the same credit reports, Read more . . .


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