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Understanding Credit Agencies - Articles & Resources

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...
Free Annual Credit Reports from Credit Bureaus
Who are the three consumer reporting agencies?The three consumer reporting agencies are Transunion, Equifax and Experian. TransUnion is a global leader in information and credit management. They have worked...
Credit Reports: Do You Need To Know?
Your credit rating, like a report card of your credit history, is important when determining your economic status. When your credit rating is good, can easily obtain a loan, a mortgage, or credit cards,...
Equifax: One of the Big 3 Credit Reporting Agencies
Equifax credit report agency is one of the three FCRA Company found in 1899. The Equifax credit report is provided by Equifax agency. Equifax has evolved into a leader in enabling and securing global commerce,...

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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