Financial Cents: Posts About Credit Reports

Skipping a Bill Payment This Month? Think Again

One negative mark or past due bill payment on your credit report can take years to repair.

Posted on: October 11, 2019


Does a Late Rent Payment Affect Your Credit?

Paying rent at the same time each month can be a challenge, especially if your payday schedule doesn't align with your landlord's due date.

Posted on: September 28, 2019


Were You Affected by the Equifax Data Breach? 

Your credit may be at risk. Learn more about the impact of this epic data breach.

Posted on: September 12, 2019


Credit Checks 101: the What, the When, and the Why

Not all credit checks are the same. Here's a rundown of how they can work both for and against you.

Posted on: August 01, 2019


Can You Repair Bad Credit for Free? Yes and No.

If you are considering hiring a credit repair company to improve your score, you need to have all the facts before you make your decision. 

Posted on: July 09, 2019


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