Credit Score and Report Resources

How Your Credit Score Affects Your Ability to Buy a Home

Your credit score has a big impact on whether you’ll be able to buy a home. From being able to get approved for a mortgage to your interest rate and the amount of house you’ll be able to afford, your FICO credit score matters when you’re shopping for a home. What Your Credit Score Means […]

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5 Reasons to Check Your Credit Regularly

Though it can seem a bit obsessive to check your credit regularly, it’s absolutely necessary today. It’s not just lenders who rely on your credit report, but also employers, landlords, and even insurance companies. The average person’s credit is checked several times each year by different institutions. You should make sure that you also check […]

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Why You Should Improve Your Credit Before Applying for a Mortgage

If you have some credit problems, you should improve your credit before applying for a mortgage. The house hunting/mortgage application process is fairly complicated. But it will be much more so if you enter it with unresolved credit problems Here are five reasons why you should improve your credit before applying for a mortgage. Being […]

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Surprise! Your Free Credit Score Isn’t the One Your Mortgage Lender Will Use

Nearly everyone has access to free credit scores today. But one of the big surprises is that the free credit score you’ve been tracking isn’t the one that your mortgage lender will use. That isn’t some sort of glitch in the system. There are a number of reasons why your free credit score and the […]

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10 Things You Can Do to Improve Your Credit Score

If you’re shopping for a home, you’re probably also shopping for a mortgage. To get a great mortgage, you need a great credit score. But what if your credit score isn’t great? Here are some things you can do to improve your credit score: 1. Get copies of your credit report from the three major […]

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How Can I Improve My Credit Score by Managing My Credit Cards?

One of the most important things you can do for your finances is to maintain a good credit score. Your credit score can open doors to lower interest rates, better housing, and even lower insurance premiums. As you plan your future money moves, it makes sense to think about how certain moves could impact your […]

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How to Protect Your Credit From Equifax Data Breach

This Equifax breach is very likely to have affected you. As many as 44 percent of Americans had their personal and financial information hacked in this latest compromise. Equifax, one of the three major credit bureaus, announced this morning that as many as 143 million consumers have had their Social Security numbers, birth dates, addresses, […]

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How Mortgage Lenders Use Your Credit Score

You probably already have some idea that there’s a connection between credit scores and mortgage rates. But how close is that connection? And how much does your credit score really affect interest rates? Factors Affecting Mortgage Rates The bigger issue is that there are some factors that affect mortgage rates. A big one is loan-to-value, […]

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3 Ways to Get Late Payments Off Your Credit Report

If you have late payments that you want to get off your credit report, you may have a sense of powerlessness. After all, you’re one person going up against a giant bank – what chance do you have? Actually, you have a better chance than you might think. Here are three ways to get late […]

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How to Dispute an Error on my Credit Report

Do you regularly check your credit report? You should, and there’s no excuse not to because you can get free credit reports from the three major credit bureaus (Experian, TransUnion, and Equifax) at AnnualCreditReport.com. One of the first things you should do when you get your credit report is check for errors. Mistakes on your […]

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