Posted on 22 Sep 2017 | 2,462 views
Closing Credit Cards can Hurt Your Credit Score

This has become less “strange” in recent years, but closing your credit cards can hurt your score.

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Posted on 24 Sep 2017 | 1,640 views
Wells Fargo Credit Report Promotion Returns in 2015

Wells Fargo in 2015 should become one of the major credit card issuer to provide Free FICO Credit Scores to customers every month. Bank of America and Chase Bank have said that they’re considering doing the same — giving free credit scores to customers.

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Posted on 23 Sep 2017 | 5,087 views
What is a Credit Inquiry and the Difference Between a Hard Inquiry or Soft Inquiry?

Any company, organization, or individual with a “legitimate business need” can request to see your credit history, and these requests are known as credit inquiries. They are divided into two categories called hard and soft inquiries — hard inquiries will affect your credit history and credit score while soft inquiries will not.

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Posted on 22 Sep 2017 | 2,589 views
Credit Score Using FICO Score vs VantageScore

FICO isn’t the only number used to determine your credit risk — the score that counts is the one your lender uses. There is no single credit score number — the compilers of the widely accepted FICO Credit Score allow lenders to customize their system, so different lenders produce different scores.

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Posted on 21 Sep 2017 | 9,527 views
FICO Score Being Replaced by CoreScore Credit Score With new Credit File

Anyone who has recently applied for a mortgage knows that lenders are already looking much more closely at your financial affairs. But soon, they’ll be able to easily delve into the deepest recesses of your financial life, accessing information that never before appeared on your credit report.

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Posted on 20 Sep 2017 | 1,554 views
Credit Card Application for Bad Credit With Instant Approvals

Credit Card Application for Credit One Bank is one of the leading issuers of Visa credit cards specifically for consumers who need to establish or rebuild their credit. Through Credit One Bank’s website, consumers can get pre-qualified or apply for a credit card without affecting their credit score.