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Credit Reports and Credit Scores
November 24, 2004 What Is a Credit Report? A credit report is a report from a credit bureau containing detailed information bearing on credit-worthiness, including the individual's credit history. A typical credit report includes the following: Personal information. ... more...

Are Authorized Users at Risk?
January 6, 2003, revised April 23, 2003 "In applying for a mortgage recently, I found that the interest rate quoted was for someone with poor credit, which surprised me. I have never missed a payment on a mortgage, credit card or other debt in my life. My credit report, however, shows ... more...

credit inquires related definitions

Credit Score
Credit Score A single numerical score, based on an individual's credit history, that measures that individual's credit worthiness. Credit scores are as good as the algorithm used to derive them. The most widely used credit score is called ... more...

Equal Credit Oportunity Act
Equal Credit Oportunity Act (ECOA) Is a federal law that requires lenders and other creditors to make credit equally available without discrimination based on race, color, religion, national origin, age, sex, marital status or receipt of income from public assistance programs. ... more...

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Get instant on-line mortgage rate quote and closing cost estimate. Only put your loan numbers. No contact info required. Compare offers from top mortgage lenders... more...

Credit Repair - Understanding The Basics
What is Credit?Credit means that you are using someone else's money to pay for things. It also means that you are making a promise to repay the money to the person or company that loaned you the money.Whenever a person applies for a loan, mortgage, a credit card or for any other purpose for which ... more...

Credit Repair Service and Credit Repair Services
A credit repair service offers to help you clean up your bad credit report so that your credit rating will improve and you can qualify for a less expensive loan. Credit repair services make great promises which aren't always fulfilled. You can improve your credit worthiness, a common term that ... more...

Bad Credit Secured Personal Loans are Like Desserts-Last Course/Best Recourse for Impaired Credit
Plato said, We can easily forgive a child who is afraid of the dark. But real tragedy of life is when men are afraid of the light.Are you afraid of bad credit? Then this article is perhaps for all of you who feel bad credit is an issue. Let this be your first step in bad credit therapy. You might ... more...

Making Sense of the Information in Your Credit Report
If you've ever applied for a credit card or loan, youve probably had your credit report reviewed by the lender. Your credit report has a huge impact on your financial future, so its well worth your time to be sure that you understand what your credit report says about you.Even if youre not ... more...

Credit Cards and Secured Credit Cards
Credit cards are of everyday use for a lot of Americans. Even people with bad credit are getting secured credit cards so they can build their credit. The use of credit cards is not necessarily bad, but needs to be done responsibly. This means it is important to have a firm grasp on your finances ... more...

Credit Report And Correction Techniques
The three major credit bureaus, Experian, Equifax and Trans Union are similar and feature a "Credit Score", which is created from credit report data submitted to them about you. Their report includes where you live, your bill-paying habits, and bankruptcy and arrest information. The information ... more...

Taking Control of Your Credit History
Your credit history is important; in fact, in this day and age, only family and your time are more important than your credit history! The first time you established a payment commitment over a period of time for a purchase, you began your history of credit, and the credit bureau created your ... more...

How Healthy Is Your Credit
Theres only one way to discover the health of your credit. You need to examine your credit report. Your credit report is your consumer identity that potential lenders will use to judge your credit worthiness.Use these tips to give your credit profile the tune-up it needs for 2004.Tip #1- Check ... more...

Tips to Repair Your Credit and Prevent Credit Problems
Have you looked at your credit report lately and noticed that it is in need of repair? Its said that over half of all Americans could improve their credit report, if they would only do some very simple things.What can you do to repair credit?Contact a Credit Repair ProfessionalCredit repair ... more...

Repair Your Credit and Prevent Future Credit Problems
When should you consider credit repair? A lot of people assume their credit is fine, when in fact there may be mistakes applied to your credit report that you dont even know about. What if you are unaware of this and try to apply for a loan?There could be many reasons why your credit isnt as ... more...

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