The information included on your credit report may be inaccurate, Perhaps you got married and have changed your name, or the information of someone with a similar name as yours may be mixed with yours. Identity theft may also lead to a credit report error. So, what...
Common errors people may find on their credit reports
A credit report affects many aspects of someone's life. Obviously, someone's credit score and history of recent credit use can affect their finances. An accurate and positive credit report can help someone qualify for a lower-cost mortgage or better terms when...
Credit scores are a relatively new concept
Many people think of credit scores as if they’ve been around forever, helping to govern financial activity. And it is certainly true that lenders have always been interested in the credit history of potential borrowers. You can even find examples of credit reporting...
What happens if you dispute a debt with a creditor?
Navigating the world of debt collection is often overwhelming, especially when you're unsure if the debt in question is yours. Sometimes, creditors might contact you about a debt that doesn't belong to you or is inaccurately reported. Federal laws, specifically the...
What are the 3 main credit reporting agencies?
Your credit score seems to control a great deal of your life – including things like whether you can rent an apartment, get a car or even secure certain jobs. Understanding how credit reporting agencies function, and what your credit report entails can help you...
Pull your credit reports as the new year dawns
When January rolls around, Americans tend to make resolutions, reevaluate their goals and think about starting their taxes. If you haven’t already made a habit of pulling and reviewing your credit reports from the three primary credit reporting bureaus as part of this...
How to dispute credit report errors
Good credit scores are important to many consumers in Vadnais Heights, Minnesota, because it allows them to get loans. If you are denied a loan, there could be an error on your credit report. Luckily, you have a way to dispute those errors and remove them to fix the...
How do I fix incorrect information that’s showing up on background checks?
In a competitive job market, background checks have become increasingly essential. An organization will perform an investigation to uncover anything in an applicant’s history that might raise red flags about future performance. While this seems to be an acceptable...
How to dispute credit report errors
If you are like most people in Vadnais Heights, Minnesota, you want to maintain a high credit score. A low credit score can prevent you from getting loans and even places to live. However, your credit report may have errors, causing you to get declined for credit. An...
Report: One-third of consumers find credit score errors
Before you walk into a Vadnais Heights bank to apply for a mortgage or into a Twin Cities area car dealership to buy a new vehicle and get a loan, check your credit report. It might contain an error that could make it difficult or even impossible to buy a new home or...