Financial Cents: Posts About Credit Reports

How To Fix Credit Report Errors

An error on your credit report could be dragging down your credit score—and these errors are much more common than you might think!

Posted on: June 21, 2019


What Is a Credit Report and How Does It Work?

Credit reports track your history as a user of credit over the past seven to 10 years—and they're the documents used to create your credit score.

Posted on: June 19, 2019


Why Do (Some) Credit Checks Lower Your Score?

There are two different types of credit inquiries: One type will affect your credit score, while the other won't affect it at all. Why is that?

Posted on: June 12, 2019


How Long Does Information Stay on Your Credit Report?

While almost all information stays on your report for seven years, most of it will stop affecting your score sometime before that.

Posted on: June 05, 2019


How Long Does It Take to Go from Bad Credit to Good Credit?

Improving your credit is a marathon, not a sprint. But just how long it will take you to fix your score could depend on why it was so lousy in the first place.

Posted on: June 04, 2019


Does Renting Your Home Really Mean You’re Throwing Money Away?

There are many benefits to home ownership, but its supremacy over leasing isn't nearly as clear-cut as some would have you believe.

Posted on: June 03, 2019


6 Scary Facts about Bad Credit Scores

If you need some motivation to start fixing a lousy credit score, then these six terrifying facts should help scare you into action.

Posted on: May 24, 2019


What Happens When Someone Checks Your Credit?

What happens during a credit check depends on what kind of check is being run—and who's doing the checking.

Posted on: May 22, 2019


What Is a Hard Credit Check?

Hard credit inquiries occur when you are applying for new credit and can only be run with your express permission. 

Posted on: May 17, 2019


What is a Soft Credit Check?

Unlike hard credit inquiries, a soft inquiry made on your credit won't show up on your credit report and isn't reflected in your FICO score!

Posted on: May 10, 2019