simplecreditanswer.com articles

How to correct errors on your credit report

Authored by A. Hiro on Mon, 10/05/2009 - 09:03

If or when you find errors on your credit report, there are two basic methods you can use to get them corrected: contact the credit bureau, or contacting the creditor.

Your Best Credit Free Reports Options

Authored by A. Hiro on Sun, 09/27/2009 - 01:43

Get Your Credit Free Reports When:

  • You need quick, easy, instant, and free access to your credit report
  • You want to monitor your credit report to know when it changes
  • You have a major upcoming purchase and want to know about any credit report or credit score changes
  • You are seeking employment or a big promotion at work and are worried that your employer will use your credit report
  • You are worried about identity theft and want to know when your credit report changes

When can I get a free credit report?

Authored by A. Hiro on Fri, 09/25/2009 - 12:01

Many people are unaware that there are 5 specific times when you can get a free credit report. 

You can get a free credit report under the following circumstances:

What is a credit score?

Authored by A. Hiro on Sat, 09/12/2009 - 14:12

There is not one simple way to define that all too mysterious number that seems to define our financial life. A credit score is made up of many things. Through the haze of confusion and misinformation I will provide a clear answer for the murky credit score. Buckle your seatbelts. Here we go!

Why does my credit report information and 3 credit scores vary between Equifax, Experian and Transunion?

Authored by A. Hiro on Mon, 02/09/2009 - 12:26

Ever wondered why your credit report information and 3 credit scores vary?  If you have ever looked in detail at the your credit report information and 3 credit scores from each of the three credit reporting agencies, you know that your credit report information and 3 credit scores can and usually do vary. If you wondered why, here is the simple answer:

The 16 most critical times to view credit report!

Authored by A. Hiro on Fri, 02/06/2009 - 05:35

When to view credit report? That, my friends, is a very important question. It pays to know when your credit report can raise its ugly little head and really screw up your financial life. Some of the instances below may surprise you. In this case, ignorance is not always bliss. For those of you the believe that forewarned is forearmed, below I outline the most important times to review your credit report:

What is a credit report?

Authored by A. Hiro on Mon, 02/02/2009 - 20:42

So what is a credit report anyway? Simply put, a credit report is a snapshot of your credit history (credit and loan applications, credit cards, loans and mortgages) and contains your history of making or not making payments on time. It is also contains a limited set of public information about you.

How is my credit score calculated?

Authored by A. Hiro on Tue, 01/27/2009 - 01:13

One of the first steps to truly understanding your credit and your credit report is to get a good feel for what makes up your FICO credit score.  The main thing you need to know is that your FICO credit score is made up of five major components each with their own weight and impact on your score.  From the graph and explainations below, you will see how the different components affect your credit score:

What information goes on my credit report?

Authored by A. Hiro on Fri, 01/16/2009 - 02:56

What information goes on my credit report?  Many people have an unrealistic view of what a credit report actually contains.  They think that it mysteriously contains intimate information about their personal life like how much they drink.  If you ever wondered what goes on my credit report, let me clarify by outlining the major bits of information that make up your credit report:

Who views my credit report and why should I care?

Authored by A. Hiro on Mon, 01/05/2009 - 16:50

With the ongoing credit crunch, credit takes on an ever increasing importance.  In the course of my short lifetime, the uses of credit reports has grown and become more intertwined with my daily choices and options.  I outline the the main viewers of your credit report and why each one is important:

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