Credit Trends: Super-Prime Consumers Tap Home Equity Lines of Credit and Credit Cards Not Available To Most By Janet Dedrick Last month in my credit trends post, I talked about how consumer debt was shrinking, but I was waiting to see signs of “portfolio cleansing”…
Credit Report Update: How Is Information Updated on My Credit Report? By Robin Holland Ever wonder how the information about your identity and financial history ends up on your credit report? It can be an incredibly detailed report-where does all that information come from? The…
How Do I Opt Out of Credit Offers? By Diane Moogalian I hear from people all the time who are concerned about the preapproved credit offers they get in the mail. They want to know who is looking at their credit and how companies are…
What’s in My Credit Report? By Robin Holland Think of your credit report as a snapshot of your financial life. Creditors don’t get to know you by inviting you over for a barbecue or “friending” you on Facebook. They look to your credit report to…
Credit Trends: Debt Shrinking in the Face of the Recession By Janet Dedrick If you go only by the news over the last few years, you might get the idea that the financial world is still melting down. Foreclosures on every block, people losing their…
Have you ever heard someone talk about “good debt” versus “bad debt”? Those terms can be a little misleading, but the kinds of debt you have and how you manage your finances can reflect positively-or negatively-on your credit report. Your credit report contains a story…