On November 13th, 2013, Experian And the National Foundation for Credit Counselling jointly announced that Experian would be donating 80,000 twelve month memberships to their freecreditscore.com product (total value at over $17,000,000)... Read More →
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 →
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 →
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 →
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 →
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 →
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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 →
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 →
