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Understanding Credit Agencies - Articles & Resources
FICO - Where It All Begins
A FICO score is a credit score representing your credit history. It is a numeric score ranging from about 300 to 850. The median score in the U.S. is approximately 725. A FICO score above 720 is deemed...
How To Get Your Credit Report
Credit reporting agencies maintain electronic records of your credit activities. Today, there are three major national credit bureaus: Equifax, Experian and Trans Union. If you are planning on applying...
Credit Bureaus: Information You Need To Know
When you pay your credit card bills, your loan balance, or your medical bills, this information is recorded and sent to credit reporting agencies, or credit bureaus. It is their job to keep track of your...
Stay Up To Date With Your Credit Report Score
Anyone who wishes to apply for a credit card, mortgage loan, car loan or debt consolidation loan needs to be familiar with his/her credit report and the information contained inside. So, just what is included...
Where Vantage Score Fit Into Credit Reporting
Have you heard of VantageScore? This is the new type of credit scoring assessment being put in place by the three major credit bureaus. Because so many complaints were coming in from consumers and corporations...
My credit was fine a week ago, now it's not - what happened?
There are a few things that can cause your credit to take a dive without you knowing it. The first is an inquiry. In this case a credit card company, utility company or mortgage company might request a look at your credit information. You might have done some work to better your rating in the last couple of months; however it takes a few more months for that information to show up. Another more obvious problem might be the failure to pay your bills on time. And lastly charge offs might be another reason for receiving bad credit. A charge off is when you didn't pay a bill, forgot to pay a bill, and it has become obvious to a company that you are never going to pay the bill. The company will write off your incompetence as a loss on their books for their taxes.
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