When people talk about credit, they are referring to their credit history. Credit history describes how they have used money over time, which can significantly impact many aspects of life, including housing, employment, and finances, because ... READ MORE
Category: , Money Matters, Work & Life
Official Site Did you know you can access your credit reports for free every week? The three major credit reporting agencies—Equifax, Experian, and TransUnion—offer this service through a single, website: www.annualcreditreport.com ⚠️ ... READ MORE
Category: , Money Matters, Work & Life
Federal law entitles you to one free copy of each of your credit reports every 12 months through the web site www.annualcreditreport.com The reports offer a detailed look at your credit accounts, bill paying history, and debt levels. The reports ... READ MORE
Category: , Money Matters
Consumers applying for credit are sometimes surprised to find out the credit score they have been monitoring is different from the credit score the lender uses to evaluate their credit application. This happens because there are many different ... READ MORE
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The persistent falsehood – leave a small balance on your credit card every billing cycle to build a credit score – has no basis in fact. The truth - if you leave a balance on your credit card - you accrue interest on both existing and new ... READ MORE
Category: Money Matters
Fair Isaac Corporation developed FICO® Score models to rate a consumer’s credit history. Since 1989, the company has developed many different scoring models to sell to lenders and consumers. A pie chart is often used to explain factors ... READ MORE
Category: Money Matters
Credit Impact: Credit Scores & Consumer Loans Workshop When: February 26, 2020, 6:00 pm – 8:00 pm Location: Lee Davis Community Center, 3402 North 22nd Street, Tampa, FL 33605 Registration required: https://credfeb26.eventbrite.com Registration ... READ MORE
Category: Events, Money MattersPromotions such as – We Can Repair Your Credit – are everywhere. They imply that all you need to do is hire a service to get negative items wiped off your credit history and your credit score will instantly improve. The reality is that consumers ... READ MORE
Category: Money MattersA good credit score tells a lender that you are likely to pay a loan as agreed. Borrowers who are perceived as less risky score the best rates on loans. The way to build a good credit history is to demonstrate that you manage credit well. This ... READ MORE
Category: Money Matters