Can You Get a Free Credit Report

Below you’ll find the posts at Financial Advice Zone from the credit score information category.We highly recommend you read each of them if you’re serious about your credit score information

How Do I Fix My Credit After Bankruptcy

personal finance

Your credit will be negatively affected when you go bankrupt. If you do decide to go through with the process then figuring out how to fix your credit afterwards is likely to be front and center in your mind. While it will take some effort on your part as well as some patience and a [...]

Understanding the FICO Credit Reporting System

FICO is the acronym for the Fair Isaac Corporation.  This organization is the number one provider of credit scores, as well as fraud detection, decision management, and credit risk score services.  All the services provided by FICO were designed for a single purpose – to help financial services company make educated decisions when it comes [...]

How Does Credit History Affect Employment

For companies looking to hire, you cannot blame them for wanting the most responsible, hardworking, and dedicated people they can find.  Although this has always been the goal of companies around the country but when looking at the current economy and tight competition, it is even more important for companies to hire people who would [...]

Common Mistakes That Affect Your Credit Score

Today, millions of people around the world have mistakes affecting their credit score without even knowing it.  Interestingly, even millionaires have mistakes on their credit report, which reduces the credit score.  Statistics show that 80% of people have at least one error on their credit report but the problem is that without taking advantage of [...]

What Determines a Good Credit Score

Most people know that a person with poor credit would have a difficult, if not impossible time securing a loan or being approved for a credit card whereas someone with excellent credit has incredible buying power. However, some confusion exists as to what dictates a “good credit score”. We wanted to provide some clarification specific [...]

Tips on Improving Your Credit Score

For a credit score of 600 or less, immediate action is needed to make repairs but also to prevent the score from dropping lower.  Without doubt, your credit score plays a significant role in many aspects of life.  Not only would your buying power decline with bad credit but also you would find it difficult [...]

Does Do-it-Yourself Credit Repair Work

With so much controversy surrounding credit repair companies and even warnings to consumers to avoid these companies coming from the Federal Trade Commission (FTC), more and more people are turning to methods of do-it-yourself credit repair.  If your credit report has been damaged, no matter the degree or by what cause, you have a good [...]

Protecting Yourself From Credit Fraud

One of the many challenges associated with credit fraud is that it comes in so many different forms.  For instance, credit fraud could be in the form of mortgage fraud, credit report fraud, credit card fraud, identity theft, and more.  Another challenge is that trying to nail the criminals involved is difficult.  Although financial institutions [...]

Credit Score Myths and Credit Score Truths

With so many factors involved, it is no wonder that so many people are confused about the way their credit score is determined and reported.  When it comes to important things in life, those that can have a positive or negative impact on some very important areas, your credit history is it.  For this reason, [...]

Can Credit History Affect Insurance Premiums

Chance are in reading this title, you are shaking your heading in disbelief.  Of course, a person’s credit history would not have anything to do with insurance premiums.  While this was true at one time, as of a few years ago things changed.  Initially, your credit history was something that financial institutions and creditors used [...]

Steps to Getting a Free Credit Report

The most effective way of maintaining good credit beyond being financially responsible for all credit accounts is to take advantage of a free credit report.  If you have less than perfect credit, it would be imperative to order a copy of your current credit report from all three reporting agencies to include Equifax, Experian, and [...]

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