Your credit report is the foundation for your financial success.If you want to buy a home or a car, your credit report is the key. Credit reports also matter if you want to rent an apartment or even get a job. They’ll also determine what kinds of interest rates you’ll get on credit cards and other loans.Lenders want to know you’re a good credit risk. If they allow you to borrow money, they want to be reasonably certain you’ll pay it back. Lots of consumers ignore their credit reports until they want to borrow money, only to find there are mistakes that make them look like bad bets for lenders.Unpaid bills. Collections cases. Late payments. Judgments.Everyone can check their credit reports once a year for free at AnnualCreditReport.com. Using this website, you can get your reports from the three big credit bureaus - Experian, Equifax and TransUnion - all at once, or you can space them out throughout the year.If you haven’t checked your reports recently, we … [Read more...] about Is there a mistake on your credit report? Here’s how to file a dispute.
How to get a copy of your credit report
Do you know what your credit score is? Do you know what it is at all three bureaus? The numbers are not the same. Do you know what factors contribute to your credit score? Do you know how it’s calculated? Do you know what to do if you find incorrect information on your credit report? Do you even know how to get a copy of your credit report? The credit reporting industry is a mysterious and confusing beast—perhaps intentionally so—and for as much impact as it has on consumers, it does not give them the tools they need to work within its confines and navigate its rules and regulations. If Rep. Maxine Waters (D-Calif.) has her way, that could all change. The Los Angeles Times reports that Waters, who is now the chair of the House Financial Services Committee, called for a consumer-friendly overhaul of the credit reporting system Tuesday as the chief executives of Equifax, Experian, and TransUnion—the three major credit bureaus—testified before her committee. … [Read more...] about Maxine Waters Wants the Credit Reporting Industry to Be More Consumer-Friendly [Corrected]
Your credit can impact everything from your bills to your car loan to your ability to land the apartment of your dreams, so you should probably know what your credit looks like. If you’re not sure how to go about getting a copy of your score or report, we’ve got you covered. Like it or not, credit matters. It’s also complicated. In our “Everything You Need to Know About Credit” series, we’re breaking down the basics. Your Report Is More Important Than Your Score Let’s get one thing out of the way: your credit report and credit score are not the same thing. Your report is a history of all of your credit accounts, from bank credit cards to student loans to that NY & Co. card you opened when you got your first “real” job out of college and wanted some cute basics. When a lender, landlord, or mortgage company pulls a copy of your report, they see this history, which also tells them if you defaulted on a loan, paid a card late, or … [Read more...] about How to Check Your Credit Report and Score
You should check your credit regularly in order to see where you stand financially. You should also review your credit to catch fraud. Keep in mind that you can check your own credit as often as you like without hurting it. In fact, it is a good idea to check your credit regularly, so that you can see what is affecting your score.”— Patrick MansfieldHOUSTON, TEXAS, USA, January 3, 2019 /EINPresswire.com/ -- How Often Should You Check Your Credit Report?U.S. Gov Connect You should check your credit regularly in order to see where you stand financially. You should also review your credit to catch fraud, many people do not know that they have been a victim of fraud until they check their credit report. Fraudulent information can lower your FICO score. It can also make it harder for you to get a credit card or loan. It is important to note that your credit may be checked by an employer. This is especially true if the job requires that you handle money. Additionally, a low … [Read more...] about How Often Should You Check Your Credit Report?
By: New York Times | Abuja (nigeria) | Published: November 12, 2018 10:06:26 am The Matharoo sisters sought fame on social media by flaunting what nature — and men — gave them. Then they got locked up abroad. (Tara Walton/The New York Times) After years of romances with a series of fabulously wealthy Nigerian boyfriends, the flamboyant Canadian sisters Jyoti and Kiran Matharoo needed somewhere to store the pricey spoils of their dating careers. So they converted a bedroom in their Toronto home into a large walk-in closet that resembles a luxury boutique. An entire wall is lined with more than 70 pairs of designer high-heeled shoes. Glass wardrobes display dozens of handbags and purses from brands like Hermès, Celine, Gucci and Saint Laurent. Equally pricey clothing drapes tightly from hangers and fills trunks stacked to the ceiling. There are separate drawers for belts, rings, earrings, bracelets, silver necklaces and gold ones. They own a collection … [Read more...] about How to date a lot of billionaires: ‘Canadian Kardashians’ Jyoti and Kiran may have the answer