FAQs tagged as

Credit Agencies

  1. Does a cash advance hurt my credit score?

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

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

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

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

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

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

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

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

  10. Does every inquiry affect a credit score?

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

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

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

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

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

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

  17. Why are there three national credit bureaus?

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

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

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

  21. How often is my credit score updated?

  22. Does cosigning a loan affect a credit score?

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

  24. How do debt collection agencies make money?

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

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

  27. What is a good credit utilization ratio?

  28. Can debt collectors add fees to my debt?

  29. How can I increase my FICO score?

  30. Why is my rent on my credit report?

  31. How do credit bureaus make money?

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

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

  34. What is the highest achievable FICO score?

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