Credit Report For Free!Free 3-Bureau Credit Report & Free Credit Score Online Today!

Do you have a question about consumer credit? You may find an immediate answer by using the search engine. If you can’t find what you’re looking for, please fill out the form, being as specific as possible.

Please note: The Ask Experian team cannot respond to each question individually. However, if your question is of interest to a wide audience of consumers, the Experian team will include it in a future column.

Is there a way to get an eviction removed? A judgment was filed against me. If a judgment is discharged in your Chapter 7 bankruptcy, can it be removed from your report?

Your Experian credit report does not indicate that you have been evicted from your residence.

Full Article…

You may never know that you have a bad credit score, until you try to get a loan. Then, all of a sudden, that house you’ve been saving for is way out of reach, because you can’t get approved for a mortgage. Who knew that credit card you had in college could ruin your dreams, 6 years later?

If you are anticipating taking out a loan, say for a car or a house, it might be a good idea to check your credit score, first. You can get a free credit report at several sites. When you do this, you have the chance to clean up and update your credit report before potential lenders look at it. You can make sure that, as your debts have been sold, no one has entered a new DOLA, or Date of Last Activity. For

Full Article…

Thousands upon thousands of people are presently carrying a damaged credit score, and many of these same people dont know that they have this bad credit. You should request to get your free annual report so you can tell where you stand. Your report will help you to really understand whats behind your credit score, so you can repair the problems. If you see anything that looks fishy inaccurate, misleading or somehow erroneous information, then you might look into having credit repair services to help.

You should begin with your report, this is the best starting point. Every year you can get a free copy and see if you have any information that could be hurting your score, especially information that seems outdated or even could be identity theft. Once you have spotted these problems, immediately take action towards repairing your score.

Credit repair services are professionals in planning what to do with the bad data on your report, and they can do most of this work for you.

Full Article…

Do you have a question about consumer credit? You may find an immediate answer by using the search engine. If you can’t find what you’re looking for, please fill out the form, being as specific as possible.

Please note: The Ask Experian team cannot respond to each question individually. However, if your question is of interest to a wide audience of consumers, the Experian team will include it in a future column.

My credit report says my score is reduced because I have no revolving credit accounts. Would it help my score to apply for and use a credit card?

Each time a credit score is calculated a series of risk factor statements is generated. Those statements describe what from your personal credit report is most affecting the score you received.

Full Article…

New credit reporting tactics mean that rent payments may now have an impact on your credit score. So if you haven’t been faithful about making timely payments because they’re not reported to the credit bureaus, it’s time to change that habit.

In June 2010, Experian purchased RentBureau, a rental reporting agency that collected rental payment information. Months later, Experian began reporting timely rent payments on consumers’ credit reports. Those payments, in turn, were reflected in consumers’ VantageScore based on Experian credit report data. This year, Experian plans to begin reporting both negative and positive rental history. That means late payments can hurt you the same way that timely payments can help you.

A newer credit reporting agency, CoreLogic, is working with FICO, provider of the well-known credit score, to create a credit report and credit score that includes rental payment history, according to the New York Times. Timely ren

Full Article…

If you are one of the millions of people who are trying to climb their way out of a financial hole with hopes of rebuilding their credit and “doing it right” this time, chances are you have received dozens of “pre-qualified” or even “pre-approved” credit card offers. While they may appear as a potential step in the right direction, selecting the wrong offer could send you back into a credit hole deeper than where you started. Most First Premier Bank credit cards do just that.

One in particular, First Premier Platinum Card, should sound alarms as it plants more credit landmines than it does opportunities for credit redemption. In fact, sho

Full Article…