Credit Report — 5 Secrets Credit Bureaus Dont Want You

Credit Report — 5 Secrets Credit Bureaus Dont Want You to Know If you’ve ever applied for a loan or credit card, chances are your lender acquired and examined a copy of your credit report before deciding whether or not to grant you credit. Your “Credit Report” is a record of your credit history and [...]

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Improving Credit Score?

I have a credit score of 631 due to accounts delinquency (settled accounts). After that, I got a new credit card with annual fees with a credit limit of 00. I got also a store credit card of 0. I have now an excellent job with good income and I would like to buy a [...]

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Do lenders view student loans just as they do other debt such as credit cards?

Basically my question is this: In a lenders eyes and for credit reporting/scoring purposes, are all loans viewed equally? Other than the commonly lower interest rates on student loans, is there any reason more attention should be given to credit cards and other loans when constructing a debt-reduction program? What are the pros and cons? [...]

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Will opening a credit card improve my credit score?

I currently have flawless credit but no revolving accounts (ie No Credit Cards and very little debt) and a score between 727 and 768 (varies by credit reporting company). If I go get a 00 credit card and keep the balance very low, how will it effect my credit: A) Immediately and b) 3-6 months [...]

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