Personal Finance and Money Management

As credit reports and credit scores become more embedded in the social consciousness of consumers, the personal credit rating system is more...

Under the Fair Credit Reporting Act, FCRA, you have rights as a consumer that entitle you to accurate reporting of your credit history. Both...

Your credit history has a direct effect on your financial health. Having negative items on your credit report, such as late payments, charge...

Creditors use credit reports to help determine if someone is a good candidate for a loan or other form of credit. Every person who has ever ...

A credit score is a three-digit number that represents your creditworthiness based on information in you credit report. While it is impossi...

Charge-offs can do serious damage to your credit score, so getting them removed is an important step in improving your credit. Once removed,...

A credit score can determine whether you get a loan and affect other aspects of your life, such as getting a job, but not all credit scores ...