How Many Credit Reports Do You Have and Which One Matters Most?

How Many Credit Reports Do You Have and Which One Matters Most?

By now you know that it’s a smart move to regularly review your credit report. You might wonder, though, which credit report is the best one to review or which one a creditor (or employer, or landlord) will see. You have many different credit reports In the U.S. there are three major consumer credit reporting agencies. They are Equifax, Experian and TransUnion. They each maintain […]

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Credit Scores

Credit Scores

Ever wonder how a lender decides whether to grant you  credit? For years,  creditors have been using  credit scoring systems to determine if you’d be a good risk for  credit cards, auto loans, and mortgages. These days, other types of businesses — including auto and homeowners insurance companies and phone companies — are using  credit scores to decide whether to issue you a policy or […]

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