How Are Credit Scores Calculated?
Fair Isaac and Vantage Score hold their credit scoring formulas as a close secret much like the formula for Coca-Cola…
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What Is A Credit Score?
A credit score is a number that attempts to predict your “credit-worthiness” at any given moment. Officially, it’s supposed to…
Who Can See Your Credit Report?
Under section 604 of the FCRA (15 U.S.C. section1681b), only certain people may access your credit report for certain specified…
Where Does The Information Come From?
Let’s talk about where the information on your credit reports comes from. Although the information may come from many places,…
What Types Of Information Are In A Credit Report?
Credit reports are not always easy to read. The truth is, the credit bureaus want it like that. The less…
The Difference Between Collections and Charge Offs
Whenever someone goes 180 days late on any open account, it moves to a status called “charge off”. This means…