Smart eCredit

Football! The great American pastime. While you cannot underscore the thrill of watching touchdown after touchdown, and see the score of your team increase,  in the normal scheme of things, there are much more important scores to keep your eyes on - namely your credit score.  This becomes even more critical if you are planning on borrowing money [...]

You are not your credit report!  Yet, it strongly influences the opinions and actions of others toward you. The original intention of credit reports was to act as a mirror of how you handle your finances. As we look at the economic conditions sprouting up unexpectedly in the world today, we know there were credit reports that were not accurately r[...]

Good techniques in repair of your credit report can go a long way towards achieving the FICO score that will be beneficial to you.  It cannot be over-emphasized how important it is to work towards and maintain a good to excellent credit score.  There are some things you can do on your own, and there are others that you may need the assistance of [...]

Knowing and understanding your credit report information is one of the most important things you can do. Admittedly, it is easy to be overwhelmed by the quantity of information, but once you understand what information should be in it, then the process of understanding your report becomes easier.  For someone new to credit scores, the meaning of t[...]

Does I really need a business credit report for my business?  My business is a small home business. Isn’t maintaining my personal credit report enough?  These are a couple of the questions that I have been asked by small business owners. Now many small business owners do not separate their personal expenses from that of their small business[...]

Many “credit repair” companies claim to remove negative credit with the flick of a wrist. Their advertisements make bold assertions and money-back guarantees: “Bankruptcy, tax liens, judgments… no problem!! One hundred percent guaranteed!! Credit report 100% cleared in 30 days!!” Can they really make such sweeping gua[...]

As at December 1, 2004, you became eligible to free credit reports from the three main credit bureaus in the United States. This is made possible by the Fear and Accurate Credit Transaction Act that was passed in late 2003. The largest credit reporting agencies, namely Equifax, Transunion and Experian, have set up a single dedicated site where cons[...]