Category: Credit Report

Credit

Will Payday Loans Help My Credit Score?

EPF November 29, 2015

Payday loans are many times used by those who have gotten themselves in a financial bind and need some money for some temporary relief to get them to their next

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Credit

How to Make Sense of Your VantageScore 3.0 Rating

EPF November 21, 2015

More than 9 out of 10 lenders use your FICO score when qualifying you -- but there are still close to 10% that will turn to your VantageScore instead. This

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Credit

How to Make Sense of Credit Utilization and Debt-to-Income Ratio

EPF November 17, 2015

Credit utilization rates and debt-to-income ratios are two very important factors in a consumer's ability to qualify for new credit. If you want a strong FICO score and great borrowing rates, it's

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Credit

Read These Five Facts to Understand Your FICO Score!

EPF November 17, 2015

FICO scores can be confusing after all, there are over 50 that exist and new scores keep coming out. But, your FICO score is also the main data point lenders

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Credit

What are FICO Scores and How do They Work? Here is what You Have to Know!

EPF November 15, 2015

FICO scores are used by approximately 90% of lenders when determining the credit-worthiness of their applicants. It is by far the most respected type of credit score around; many advise against

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Credit

How to Get Your FICO Score for Free

EPF November 14, 2015

The official website for buying your FICO score, MyFICO, charges $19.95 per credit score request yes, that's the cost for each score PER credit bureau. Yet, you can still obtain

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Credit

Which Credit Report Should I Get? What Scores Do Lenders Use?

EPF November 12, 2015

When it comes time to see what’s on your credit report, or to find out your credit score, it’s important to know which bureau you need to pull from. Even

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Credit

How to Read Your Credit Report

EPF November 10, 2015

When reading your credit report, you may come across terms that are strange or unfamiliar. But, in a broad sense, we want you to think of your credit report as

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Credit

How Long Do Negative Items Stay on Your Credit Report?

EPF November 10, 2015

So you missed a payment, or maybe you have an account in collections, but that does not mean your mistake will haunt you forever. The credit report bureaus that calculate

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Credit

Tips to Significantly Increase Your Credit Score Only with Credit Cards

EPF November 9, 2015

Using your credit card is often deemed a credit-killing move, but the truth is that you can use them for your advantage. This is because not only bad borrowing behavior,

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