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Authors
Credit Reports
Late fees are down: the sequel
Written by Geoff Williams
Posted On: August 24, 2011
Paying on time is becoming in vogue again. Here's hoping this trend lasts.
[...]Denied for the best credit card? Lenders now required to say why
Written by Geoff Williams
Posted On: July 21, 2011
You may soon get a free credit score in the mail. But trust us, you don't want it.
[...]FICO 2008 - Demsityfing the Latest Version of the Famed Credit Score
Written by Mike Killian
Posted On: March 10, 2009
Editor's Note: This article is the second of a two-part interview with Chris Groppa, Account Supervisor for Fleishman-Hillard, Inc. and Ethan Dornhelm, scoring scientist for Fair Isaac.Mike: How does FICO®08 differ from what has been the case? Chris: The primary drivers of the FICO® score remain how consistently bills have been paid as agreed, and how [...]
FICO 2008 - Demystifying the Latest Version of the Famed Credit Score
Written by Mike Killian
Posted On: March 6, 2009
Editor's Note: This article is the first of a two-part interview with Chris Groppa, Account Supervisor for Fleishman-Hillard, Inc. and Ethan Dornhelm, scoring scientist for Fair Isaac.Prior to 1989, credit approval was subjective and time consuming. If an underwriter did not like the color of your hair, you might not be considered for your loan. [...]
Altenative Credit Scores Provide Hope for Millions
Written by Shane Tripcony
Posted On: February 5, 2009
I would like to share some good news for the estimated 50 million consumers that have no credit rating or a limited credit history. There is now a viable option for establishing credit outside of the traditional avenues. The National Credit Reporting Association (NCRA)--a trade group representing small regional credit agencies--in combination with an organization [...]
Charge for New Credit Monitoring Service Cheapest Thus Far (Only $4.95/Month)
Written by Curtis Arnold
Posted On: March 23, 2006
Experian has recently introduced a credit monitoring service called Triple Alert which features automatic, daily monitoring of one's Experian®, TransUnion, and Equifax credit reports that costs only $4.95 per month. Similar services typically cost anywhere from $9.95 to $19.95 per month and some only offer weekly credit monitoring. Apparently keen competition in the credit monitoring [...]
Free Annual Credit Report Law Spawns Imposter Web Sites that Could Lead to Identity Theft
Written by Joe Taylor Jr.
Posted On: September 16, 2005
Two years ago, Congress mandated that consumers can request one free credit report annually from each of the three major credit reporting agencies. This program is designed to reduce identity theft by allowing consumers to check their credit histories for suspicious activity. However, acquiring a free credit report is not always easy. According to a recent [...]
Free Annual Credit Report from the Big Three Credit Bureaus Now Available to All Consumers
Written by CardRatings.com
Posted On: September 2, 2005
After nearly a year long phase-in, consumers across the United States now have the right to an annual free credit report from each of the three main credit reporting agencies—Equifax, Experian, and TransUnion. As of September 1 the last regions phased in included the Eastern states, the District of Columbia, Puerto Rico and all U.S. [...]
