by Sonja Rac | Nov 20, 2020 | Blog
Credit Report vs Credit Score The simplified version is that your credit report represents your borrowing history and how you handled your credit accounts, while your credit score is the numerical value that is attached to it. The higher the score value, the better...
by Sonja Rac | Nov 18, 2020 | Blog
Fair Credit Reporting Act (FCRA) The Fair Credit Reporting Act (or FCRA) is a federal law passed in 1970 and is one of two laws that are the foundation of consumer rights in the United States. It is enforced by the Federal Trade Commission, Consumer Financial...
by Sonja Rac | Jun 29, 2020 | Blog
What Is the FACTA Credit Law? Curious about the FACTA Credit Law and how it works? Today, we’re breaking this particular credit law down and revealing how it protects you. Understanding your rights in the credit world can save you money and headaches. Keep reading if...
by Sonja Rac | Jun 29, 2020 | Blog
Think the Credit Bureaus Are Why You Got Denied? Think Again. If you got denied when you recently applied for a loan you might not know where to turn or what to do next. You’re probably painfully aware if your credit score is labeled as “very poor.” Maybe you’re...
by Sonja Rac | Jun 29, 2020 | Blog
Marriage and the Myth of Joint Credit Does getting married affect your credit? After all, much of your life is combined during a marriage. But what really happens to your credit reports and credit scores when you tie the knot?There are a number of misconceptions out...
by Sonja Rac | Jun 29, 2020 | Blog
What Happens If You Miss a Credit Card Payment? Wondering what happens when you miss a credit card payment? Perhaps you were unable to make your monthly installment last week. Or maybe you’ve suddenly realized a late fee has been assessed due to...
