Hector Milla asked: Less than 1% of U.S. resident have a perfect rating. If this is your goal, you need a FICO score of 850.Agencies assign scores based your financial history. In particular, they evaluate how many accounts you have, the type of debts you owe, the age of your accounts, frequency of late payments, [...]
Pammila Phillis asked: Bankruptcy should always be a last resort (see our Debt Relief section for bankruptcy alternatives). However, if you are determined to file bankruptcy but have not done so yet, then please take your time and don’t rush the process – it is more important to ensure that all your bases are covered [...]
Sonny Collova asked: You may need credit bureau phone numbers to request a free credit report if you have been turned down or would like to opt out of pre-approved credit card offers. Place security freezes, fraud alerts or get information about business credit services. You will need contact information for Equifax, Trans Union and [...]
Free Indeed asked: If I am a creditor (providing financing to someone who buys my house), how do I report their timely (or untimely) mortgage payments each month to the three credit bureaus?Benjamin
Aubrey Clark asked: The epidemic of home foreclosures, higher gas and food prices have stretchered the average consumers budget to the max. According to Trans Union and Equifax, national credit scores are steadily dropping at a higher rate than they have seen in the last decade. As a result of the lower credit scores large [...]