Something that a lot of consumers don’t know is that they are able to add 100 words of “explanation” to their credit report, this is covered under the fair credit reporting act (FCRA). Experian & TransUnion allow... Read More →
Author - William Charles
Barclay To Offer Free FICO Scores
Barclay have just announced that they are now offering free FICO scores to their credit card holders. This is the second credit card issuer to do so, with walmart also offering free scores. They are slowly rolling this feature out... Read More →
Who Can Access My Credit Report?
Question: I have terrible credit history and I am worried that future employers might not hire me because of it. I’m just wondering who can access my credit report and under what circumstances? Is there a way to check who has... Read More →
How To: Remove Negative Items From Your Credit Report
It’s not unusual for an item on an individuals credit report to be incorrect. Getting this information changed and updated can be a hassle, but is well worth doing as it may be effecting how eligible you are for new credit and the... Read More →
How To Improve Your Credit Score In Six Steps
1. Pay all of your accounts on time Payment history makes up 35% of your FICO score. By paying all of your accounts on time your score will slowly increase. Negative items (such as paying late or not at all) will stay on your credit... Read More →
Types Of FICO Scores
[This article contains affiliate links. We appreciate you using our links as it keeps this site running, but feel free to go directly to the source. We recommend the best products regardless of our financial connections] ... Read More →
How Many FICO Scores Are There?
Question: I’ve heard that everybody has more than one FICO score, is this true? If so how many are there? Which ones should I pay attention to?  – Alex, Ohio Answer: Great question, Alex. We’re going to break down your... Read More →
How To Get A Free FICO Score With A Walmart Credit Card
In July of 2011 Walmart introduced a new feature to both their “Walmart Credit Card” & “Walmart Discover Card” and that was the ability for consumers to view their TransUnion FICO score for free. The only... Read More →
How To: Use Lending Club To Find Out Your FICO Score Range For FREE
Lending Club (LC) is a person to person lending website that connects borrowers and lenders (which LC call ‘investors’) together to try and create a efficient market place for loans without the overheads and vast profits... Read More →