FAQs tagged as

Credit Agencies

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

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

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

  4. Does a cash advance hurt my credit score?

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

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

  7. Does every inquiry affect a credit score?

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

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

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

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

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

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

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

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

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

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

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

  19. Can debt collectors add fees to my debt?

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

  21. How do debt collection agencies make money?

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

  23. What is a good credit utilization ratio?

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

  25. Why are there three national credit bureaus?

  26. How often is my credit score updated?

  27. How can I increase my FICO score?

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

  29. Why is my rent on my credit report?

  30. Does cosigning a loan affect a credit score?

  31. How do credit bureaus make money?

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

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

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

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

  36. What is the highest achievable FICO score?

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