Category: Credit

Chapter 7 bankruptcy stays on your credit report for 10 years from the filing date. Chapter 13 bankruptcy stays on your credit report for 7...

A charge-off stays on your credit report for 7 years from the date of the first missed payment that led to the charge-off. That date...

A late payment stays on your credit report for 7 years from the original due date of the missed payment. The 7-year clock runs from...

A credit report has five main sections: personal information, credit accounts (tradelines), collections, public records, and inquiries. Each section uses its own field structure and...

To dispute a credit report error, file your dispute directly with the credit bureau that shows the inaccuracy — online at Equifax.com, Experian.com, or TransUnion.com...

You can get a free copy of your credit report from all three bureaus — Equifax, Experian, and TransUnion — every week at no cost...

FICO and VantageScore both run from 300 to 850, with anything above 670 considered “good” and below 580 considered “poor.” Most lenders use FICO, but...

You can raise your credit score by 30–100 points within 60–90 days using the strategies below, with larger gains possible over 6–12 months. The fastest...

You can check your credit score for free, and doing so has zero effect on your score. Every method that lets you view your own...

Student loans affect every one of the five FICO score factors — not just payment history. Borrowers who carry federal or private student debt without...