What Does a Tri-Merge Credit Report Mean?

Your credit report is a record of your credit history. It includes your credit accounts, such as mortgages, auto loans and credit cards. Your credit report also provides information about your payment history, work history, addresses and the number of credit inquiries...

How Do I Know My Billing Cycle?

Do you know what your billing cycle is? Here’s how you can find out when your billing cycle starts and ends and how it impacts credit scores.

What Happens to Your Credit When You Get Evicted?

When you are facing eviction, how does this affect your credit score? Learn how an eviction can affect your scores.

How Credit Report Monitoring Can Help Your Credit Scores

Monitoring your credit report can help your credit scores.

How Do You Negotiate with a Debt Collector?

When you become delinquent on a debt to a business or creditor, the debt may be sold to a third-party debt collector. The debt collector can contact you to settle the debt and can even file a lawsuit against you if you won’t pay. If you don’t think the debt is...

How Does Your Income Impact Your Credit Score?

Can your income affect your credit score? Here’s what you need to know and ways to help your credit scores on a low income.

Will Bankruptcy Affect My Credit Scores?

Are you wondering if bankruptcy can affect your credit scores? Learn the effects of bankruptcy and ways to help your credit after bankruptcy.

What is a Delinquent Account on a Credit Report?

Do you have a delinquent account on your credit report? Here’s what a delinquent account means and how to get rid of a delinquent account.

Does Child Support Affect Your Credit?

Can child support show up on your credit report? Yes, It can! Learn why child support can be on your credit report and how to remove it.

How Financial Abuse Can Impact an Elderly Person’s Credit

Elder financial abuse can negatively impact a senior’s credit. Learn how to monitor credit for signs of elder financial abuse and report it.

Recent Articles

How Can Budgeting Help Your Credit Score?

How Can Budgeting Help Your Credit Score?

The simple act of creating a budget won’t affect your credit score one way or the other. But budgeting can help prepare you to live within your means, pay your bills on time and effectively manage your debts. These benefits can have a direct positive impact on your credit score over time. How Budgeting Can Positively Impact Your Credit Score Having a budget allows you to keep track of your cash flow, both incoming and outgoing. Staying...

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How to Prepare Your Credit Score for a Recession

How to Prepare Your Credit Score for a Recession

With record high inflation and rising interest rates, fears of a recession continue to plague the U.S. economy. Recessions cause economic distress for businesses and consumers alike, but they can also threaten your credit scores. You don’t have to wait for an official recession to occur before you start working to protect your credit. Take the steps now to help prepare for a recession. How Does a Recession Negatively Affect My Credit Score?...

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Do You Have to Pay a Loan Application Fee? 

Do You Have to Pay a Loan Application Fee? 

When you’re preparing to submit a loan application, the lender may inform you they charge a loan application fee. These fees reduce out-of-pocket processing costs for the lender and make their borrower transactions more profitable. Loan application fees are common for mortgages loans, auto loans and personal loans. But they aren’t universal. Not all lenders charge fees, and you may even be able to negotiate them down before you submit your...

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What is a Tradeline on Your Credit Report?

What is a Tradeline on Your Credit Report?

A tradeline is simply a term used to describe a credit account found on a credit report. Tradelines are always visible on the credit report in the form of loans, credit cards and mortgages. They are used for generating credit scores. Here is more information about tradelines and their presence in your credit reports. What is a Tradeline on a Credit Report? A tradeline on your credit is a record of your credit activities used by the three major...

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How Do I Make Sure My Medical Bills Are Accurate?

How Do I Make Sure My Medical Bills Are Accurate?

According to Consumer Financial Protection Bureau, millions of Americans struggle to afford their medical debt with $88 billion in outstanding medical bills currently in collections in the United States. Many unpaid medical bills can land on credit reports, which can negatively impact credit scores. While there have been some positive updates to how medical bills get reported, many types of medical bills can still impact your credit if they go...

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How To Check Credit Scores Without A Social Security Number?

How To Check Credit Scores Without A Social Security Number?

A Social Security number (SSN) is a term used for a nine-digit number assigned by the U.S government to its legal residents. Your SSN is mainly used to monitor employment and earning rates for Social Security benefits. However, both citizens and non-citizens also use their SSNs to apply for bank loans and bank accounts and determine their credit scores. You can do all these with your SSN. But there is a big question: Can you check your credit...

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Why Are There Multiple Names on My Credit Report?

Why Are There Multiple Names on My Credit Report?

You might be surprised to see multiple names listed when you get your credit report. You probably don’t need to worry. In fact, there are often multiple names listed on a credit report. So why is this the case? There are several reasons why someone might have multiple names on their credit report. Learn more about why there are multiple names on a credit report and what to do if it's causing problems with your credit score. Previous or Maiden...

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Does Applying for a Debit Card Affect Your Credit Score?

Does Applying for a Debit Card Affect Your Credit Score?

When it comes to your credit scores, it’s essential to pay attention to what can impact them. Depending on your credit, you can get better rates on loans, mortgages and credit cards. But does applying for a debit card negatively impact your credit? Here’s everything you need when it comes to debit cards and your credit. Does Getting a Debit Card Impact My Credit Score? Most lenders tend to use credit scores, a three-digit number, that comes...

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Can Working Remote Help My Credit?

Can Working Remote Help My Credit?

Remote work isn’t a brand-new concept, but it became commonplace during the COVID-19 pandemic. As a result, many employers have continued to embrace it, allowing their employees to work remotely full-time or part-time, even as COVID restrictions have become relaxed. Remote work has changed the way millions of workers do their jobs, and it can have larger implications for work-life balance, business costs and even consumer credit scores. So,...

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