How Long Do Negative Items Stay On Your Credit Report?

credit rating, credit score, credit report

March 9, 2020
  When you are trying to build credit, it takes time for negative items to fall off your credit report. While you can get incorrect information that could affect your credit removed without waiting any specific amount of time, correct reports of late payments, multiple hard credit inquiries, and other activity could take between two and seven years to disappear.  
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How Does Experian Boost Work?

credit score, Experian

April 25, 2019
If you don’t have a lot of access to credit or do not have enough credit card or loan accounts to build a good payment history, your thin credit file could keep you from accessing other forms of credit.
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Different Types of Scores Help Expand Access to Credit

credit, credit score, fico score, Experian, VantageScore

February 12, 2019
While you may be familiar with your FICO score, a person’s credit score calculated by the Fair Isaac Corporation, or one of the major credit bureaus, you may not be aware there are several additional types of credit scores. Every American with a social security number or tax identification number that has borrowed money in the past few years has a credit score with ...
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Is Credit Counseling Worth It?

credit, credit score, credit counseling

January 18, 2019
If you’ve had credit problems or challenges with your personal financial situation in the past, you may have considered hiring a credit counseling agency to help. According to the Urban Institute, 71 million Americans had at least one debt in collections in 2017. Overwhelmed, they may search for help from a credit counseling service.
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Credit Access Set to Expand

credit score, credit report, credit history

August 3, 2018
Getting credit is about to get easier for people who may have previously struggled to get a mortgage because of their non-existent credit history.
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What Are the Effects of Pulling My Credit?

credit score, pulling my credit, hard inquiry, soft inquiry

July 11, 2018
Understanding your credit scores and how they can help you is important, and a little knowledge can go a long way. One area that many people don’t understand is what a soft credit inquiry and a hard credit inquiry are and how they differ.
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How To Jump Start Your Credit

Personal Loans, credit, credit score, credit history

June 15, 2018
Building your credit is an important part of financial stability. Most people don’t know much about credit scores, though. It takes time and a great deal of patience to build great credit.
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How Credit Can Help You

credit insurance, credit, credit score

June 12, 2018
Having good credit can help you make the most of the money you have. You need a good credit score to qualify for a car loan, mortgage, and credit card. While you may still qualify with a lower score, you may more interest on the money you borrow.
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Helpful Hints for Maintaining Your Credit Score - Boost your Credit Score with a Good Mix of Credit

Personal Loans, credit score, fico score, payment history, mix of credit

June 1, 2018
You can build and sustain good credit with a personal loan or credit card by making every payment on time. Even if your score isn’t great right now, if you keep your balances manageable and keep up with payments, you’ll be well on your way to building a good FICO or credit score.
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Helpful Hints for Maintaining Your Credit Score - Amounts Owed

credit score, credit report, amounts owed, helpful hints, debt, credit limit

May 25, 2018
The total amount you owe across all accounts reported to the credit bureaus is the second most important aspect of your FICO credit score. This is also known as your credit utilization, or the amount of credit you are using vs. the amount of credit you have. Your total debt level determines 30% of your credit score.
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