Sunset Finance Blog

Before the coronavirus pandemic began in early 2020, you could access your credit report once per year through Equifax, Experian, and TransUnion. But, due to the economic challenges facing the nation, these bureaus are now allowing consumers to check their credit once per week until April 2022.

  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...

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.

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...