Articles tagged with: Credit History
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![Un-Paid Utility Bills Will Damage Your Credit Report and Lower Your FICO Score 100 Points](http://www.how-to-boost-your-fico-score.com/wp-content/themes/arthemia/scripts/timthumb.php?src=/wp-content/uploads/2013/04/un-paid-utility-bills-will-damage-your-credit-report-and-lower-your-fico-score-100-points.jpg&w=150&h=150&zc=1&q=100)
Your credit score report can be affect by more than your available credit history. We talk about how credit cards, mortgages, car loans, and any type of loan that reports to all 3 credit bureaus will affect your credit score. We don’t always talk about utility companies and how they can have a negative impact on your credit report. Here are utility companies I like to consider non-creditors. In other words these companies don’t give you a line credit, they just provide a service.
Rebuilding Credit »
![Bad Credit Subprime Credit Card Lenders](http://www.how-to-boost-your-fico-score.com/wp-content/themes/arthemia/scripts/timthumb.php?src=/wp-content/uploads/2013/03/bad-credit-subprime-credit-card-lenders.jpg&w=150&h=150&zc=1&q=100)
Credit card issuers are ramping up lending to consumers with poor credit but borrowers beware — the terms aren’t always going to be good. Lending to subprime consumers — typically those with a FICO credit score of below 660 — climbed 41% last year, with banks issuing 1.1 million new credit cards to riskier consumers, a four-year high, according to a recent report from credit reporting agency Equifax.
Credit Repair Letters »
![Where do I Dispute and Correct Errors in my Credit History?](http://www.how-to-boost-your-fico-score.com/wp-content/themes/arthemia/scripts/timthumb.php?src=/wp-content/uploads/2012/11/where-do-i-dispute-and-correct-errors-in-my-credit-history.jpg&w=150&h=150&zc=1&q=100)
If you find errors or inaccuracies in your credit history file, you will have to submit a dispute letter or request to each of the credit bureaus on which the mistake appears. In some cases you may be able to dispute the error with online forms, but in some cases you’ll have to submit a letter with your corroborating documents.
Rebuilding Credit »
![Divorced With Joint Credit Accounts can Lower Your FICO Score](http://www.how-to-boost-your-fico-score.com/wp-content/themes/arthemia/scripts/timthumb.php?src=/wp-content/uploads/2011/09/divorced-with-joint-credit-accounts-can-lower-your-fico-score.jpg&w=150&h=150&zc=1&q=100)
No consumer is prevented from acquiring credit solely based on marital status. The Equal Opportunity Credit Act outlaws discrimination of all forms to provide consumers with equal access to credit resources. If you recently experienced a divorce, however, your credit score may be negatively impacted after you separate from your spouse.