Credit Reports

Few things are more frustrating than discovering a late payment on your credit report that you know isn’t correct. Whether it was posted late by the creditor, misreported entirely, or tied to an account that isn’t even yours, an inaccurately reported late payment can seriously damage your credit score. If you’ve been searching for how…

What is the Fair Credit Reporting Act? If you’ve ever wondered who can access your credit report, how long negative information can remain, or what steps you can take if there are errors in your file, the Fair Credit Reporting Act (FCRA) is the law that governs it all. Passed in 1970, the FCRA law…

Your credit report is one of the most important financial records tied to your name. It reflects your borrowing history, payment patterns, and overall financial responsibility. Unfortunately, millions of Americans discover mistakes on credit report files every year. These inaccuracies on credit reports can lower your credit score, cause loan denials, and even impact job…

When it comes to managing your financial health, your credit report plays a central role. But many consumers don’t realize there’s not just one credit report—they actually have three. Wondering what are the 3 major credit bureaus? This guide is for you. Below, we break down who these bureaus are, what they do, how they…