Category: Credit Reports

Equifax Data Breach: How to Find Out If You’re Affected and What to Do About It If You Are

Equifax Data Breach: How to Find Out If You’re Affected and What to Do About It If You Are

In September of 2017, the credit reporting giant Equifax announced some very unsettling news. The credit reporting agency experienced a massive data breach which unfortunately compromised the personal identifying information of approximately 143 million people.

The Difference Between Hard Inquiries and Soft Inquiries

The Difference Between Hard Inquiries and Soft Inquiries

Credit scores, like FICO and Vantage Scores, are based upon a variety of factors. For FICO scores the factors which make up an individual’s credit scores fall into 5 categories. The least influential categories, Mix of Credit and Inquiries, each account for 10% of a consumer’s credit scores….

How Do I Know When Something Has Been On My Credit Report for Too Long?

How Do I Know When Something Has Been On My Credit Report for Too Long?

Overcoming past credit problems can sometimes be a long, tedious process (especially if you are going it alone without professional assistance). However, thankfully there is a strict time limit regarding how long past credit mistakes are allowed to haunt your credit reports. In other words, most negative credit…

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