When it comes to personal finance, understanding how credit works will almost certainly allow you to avoid heartache down the road. In a world that runs on monthly payments, and where the full price is almost never paid up front, a consumer might find it almost...
Mortgage debt is good debt. But in the arcane world of credit scoring, even the process of applying for a mortgage can raise red flags on an applicant’s credit report and lower scores. Careful time management, say financial advisers, can help borrowers avoid taking a...
Here’s the official word from the FTC: The Fair Credit Reporting Act (FCRA) requires each of the nationwide consumer reporting companies — Equifax, Experian, and TransUnion — to provide you with a free copy of your credit report, at your request, once every 12...
