Credit Reports

Late fees are down: the sequel Written by Geoff Williams August 24, 2011 Wow, we haven't seen late fees this few and far between since 1994. That's right, for those who crave good news about our economy, here's some: Late payments to credit cards are down to their lowest levels in the last 17 years. That's according to TransUnion, the credit reporting agency, which came out with the news this [...] Posted in: Credit Reports Citi Credit Cards Credit Card Fees
Denied for the best credit card? Lenders now required to say why Written by Geoff Williams July 21, 2011 When is good news also bad news? Starting July 21, it will be easier for consumers to get a free credit score. Because of a new law, you may just get, in the mail, with no strings attached, your very own credit score. That's the good news. But the bad news is that if you get that [...] Posted in: Credit Reports Credit Card Laws Credit Score
FICO 2008 - Demystifying the Latest Version of the Famed Credit Score Written by Mike Killian March 6, 2009 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. Similarly, each individual's credit report had to be viewed and analyzed, which often added days or weeks to the loan process. All of that changed with [...] Posted in: Credit Reports Credit Score
Altenative Credit Scores Provide Hope for Millions Written by Shane Tripcony 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 [...] Posted in: Bad Credit Credit Reports Credit Score

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