FAQs tagged as

Credit Agencies

  1. What do creditors have to report to credit bureaus?

  2. Does shopping for the best interest rate affect my credit score?

  3. How can a creditor improve its Average Collection Period?

  4. When are you legally required to get a letter of credit?

  5. Does a cash advance hurt my credit score?

  6. What are some examples of credit report errors that I can dispute?

  7. Do I still owe debt collectors for a debt that's past the statute of limitations ...

  8. What's the difference between a credit rating agency and a credit bureau?

  9. Does every inquiry affect a credit score?

  10. What legal action can I take against a debt collector?

  11. How does refinancing my mortgage affect my FICO score?

  12. What's the difference between credit score and credit history?

  13. What do the letters / symbols on credit ratings mean?

  14. How do I get my free credit report and score from each credit bureau?

  15. What's more important to lenders, my credit score or my credit report?

  16. What are some examples of common credit card reward program benefits?

  17. What's the difference between a credit bureau and a credit rating agency?

  18. What are the best ways to rebuild my credit score quickly?

  19. How long does it take for items to show up on my credit report?

  20. How long does information stay on my credit report?

  21. What is a good credit utilization ratio?

  22. If a collection agency buys my debt from another agency, does the debt become 'new'?

  23. How do debt collection agencies make money?

  24. Can a debt collector contact me about a debt that's no longer on my credit report?

  25. Can debt collectors add fees to my debt?

  26. Why are there three national credit bureaus?

  27. How often is my credit score updated?

  28. Does cosigning a loan affect a credit score?

  29. Is my credit score usually checked before receiving a payday loan?

  30. Why is my rent on my credit report?

  31. How can I increase my FICO score?

  32. Why don't I have a credit score?

  33. How do credit bureaus make money?

  34. Do I need to know all three of my credit scores?

  35. How do I fix an error on my credit report?

  36. Does my debt-to-income (DTI) ratio affect my credit score?

  37. What is the highest achievable FICO score?

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