Read more and learn how to keep your credit healthy.
Jeanne S. answered an ad that promised 0% financing for her new car. When she got to the dealership, the best she could get was 6%.
Marco N. and his wife found their dream house. But their loan officer told them that the interest rate they qualified for was so high that they couldn’t afford the house anymore.
Karen W., after a long search, found an apartment to rent – but the landlord turned her down as a tenant, after he ran a credit check on her.
All of these peoples’ lives were affected by information in their credit report. Sometimes our own credit history affects us-decisions that we make ourselves. Sometimes we are hurt by the things that other people do-through errors on our reports or, worse still, identity theft.
Credit reports and credit scores
Q. What is a credit report?
A. It’s a history of how you pay your bills. It also includes where you live, whether you’ve been sued, arrested, or filed for bankruptcy, and which companies have checked on your credit-worthiness. All of this information is collected by three nationwide consumer reporting...
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