A credit clean up is a good idea to do on an annual basis. But where to begin?

It may seem like an overwhelming task to do on your own but it’s not difficult and this article will walk you through the steps you need to take to clean up your credit report. Read more »

Instant Credit Report

An instant credit report can be yours for free. Don’t be duped by companies that tell you otherwise. They are just trying to take advantage of and make money from unsuspecting consumers.

You are actually entitled to a free credit report every year from each of the three credit reporting agencies – Equifax, Experian, and Trans Union. You can choose to get all three at the same time or if you’d prefer to space them out, you can get one from each individual credit report agency say every four months.

This isn’t such a bad idea as you can look at how your credit score is going every four months and pick up on any discrepancies soon after they occur.

To get your free instant credit report you simply go Read more »

Clean Credit Report

A clean credit report is something we all strive for, however, many people find themselves completely confused when it comes to their credit score and credit report.

Many people do not know how to improve their credit and many others find themselves striving to reach a credit standing that is not necessary or possible.

The following are the answers to some of the most frequently asked questions concerning clean credit reports and scores. Read more »

Credit Report Services

Credit report services are popping up all over the internet with offers of screening potential tenants and or future employees.

Some are quite legitimate and if you’re an employer, landlord or property manager it may be worth your consideration.

Obviously there are fees involved for credit report services; however you could always pass this on to the applicant in the form of an application fee, thereby negating any cost to yourself. A smart move if you’re time poor.

Federal Law requires that you supply these credit report services with documentation to prove that you are indeed conducting business that warrants you receiving sensitive credit information about prospective applicants. Read more »

Credit report scores are made up of a number of factors and though the exact formula used is not public knowledge, FICO themselves have given the public a basic idea of how they determine them. This article discusses the 5 different factors that make up your credit score.

1. Payment History – 35%

When you pay your bills accounts for 35% of credit report scores. If you’re late paying your credit cards, personal loans, mortgage loans or even store credit cards, this affects your score more than any other factor. Read more »

Credit Report Help

Get credit report help in this article about the kind of information your credit report has about you on record.

More times than not these days organisations are privy to your credit report information and you may be surprised by the kind of additional information it contains besides your financial picture.

It’s valuable for you to know the kind of information the credit agencies have on record about you – that these organisations can get access to. It helps put you on a level playing field with them.

Read more »