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Articles tagged with: Credit Bureau

Fico Scores »

[11 Sep 2018 | 2 Comments | 5,748 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.

Fico Scores »

[9 Sep 2018 | 5 Comments | 10,615 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.

Credit Repair Letters »

[3 Sep 2018 | 2 Comments | 10,688 views]
Equifax, Experian and TransUnion Credit Bureau Contact Information

A credit bureau gathers information about how consumers use credit. In other words, they collect information from as many consumer financial transactions or inquiries as they can. They then sell access to that combined information to anyone who has a legally-recognized reason (permissible purpose).

Featured »

[26 Aug 2018 | 2 Comments | 4,621 views]
Small Delinquencies are Overlooked in Calculating Your FICO ’08 Credit Score

With the newest version of the FICO credit scoring system, minor delinquencies are now overlooked in calculating creditworthiness.

Headline »

[25 Aug 2018 | One Comment | 2,970 views]
Why is Credit Monitoring Important?

Credit monitoring services will watch over your credit file with continuous around the clock tracking and notify you whenever there is a change to the credit file. These services will alert you within 24 hours of a change, usually through email, phone, or text message as you see fit.