credit report

6 Smart Moves to Boost Your Credit Score

Even if you're not planning on applying for a mortgage or credit card anytime soon, you need a good credit score. Here are some lesser-known strategies to help boost yours.

There Could Be Something Wrong With 42 Million Credit Reports

The Federal Trade Commission just released a report on the credit reporting industry that could spell trouble for tens of millions of consumers: 25 percent of people had at least one error that could negatively impact their FICO credit score.

Study: 1 in 5 Consumers Had Error in Credit Report

One in five consumers had an error in a credit report issued by a major agency, according to a government study. The FTC study also said that 5 percent of the consumers identified errors in their reports that could lead to them paying more for mortgages, auto loans or other financial products.

Scammers Hacking Computers by Calling Victims on the Phone

The latest scam: A con artist calls you on the phone, poses as a technician from a big company like Microsoft, and claims he's detected a virus on your computer. He (or she!) then asks for access to your computer in order to "help" you. From there, the scheme can become one of several moneymaking ploys.

CFPB Complaint Site Takes on Credit Report Issues, Too

The Consumer Financial Protection Bureau's complaint website already gave Americans a way to seek redress over problems with credit cards, mortgages, bank accounts, auto or personal loans, even student loans. Now, it's also ready to help us deal with credit reporting agencies.

Where Does Your Spouse's Credit Card Debt Go When They Die?

When a husband or wife dies, it's not just the emotional issues that can be overwhelming; the financial issues can be, too. Here are three important financial actions no widow or widower should delay taking -- and the answer to the pressing question in the headline above.

Are Banks Giving Up on Credit Cards?

After a long spell of losses on their credit card portfolios, banks are finally seeing that business return to normal profitability. So you might expect that those banks would be racing to offer new credit card to customers. You'd be wrong.

To Pay or Not to Pay? How to Handle Old Debts

With interest rates at record lows, now is the time to refinance your mortgage. But what if you find an old unpaid debt that's impairing your credit score? The answer isn't as obvious as you might think.

4 Ways for Young Adults to Get a Better Handle on Credit Scores

Americans are getting more educated about credit scores, and younger people are the most well-versed of all. But that doesn't mean there aren't some gaps in their knowledge. So what should you do to keep on top of your credit? Here are a few free tips.

Financial Spring Cleaning: 4 Steps to a Fresh Money Start

The return of warmer weather is an cue for many of us to clear out the debris that has gathered over the winter. But it's not just the house and the yard that could benefit. Here's a step-by-step guide to spring cleaning your finances.

How Paying the Rent Can Boost Your Credit Score

In these shaky economic times, your credit score carries more weight than ever, which means building a credit history is vital. Paying bills on time is one thing that buffs up your score, but until now, paying your rent meant nothing. Credit bureau Experian and RentReporters.com are changing that.

How to Score the Right Credit Card for You

Credit card banks know plenty about you -- but what do you really know about them? CreditKarma.com wants to give you the inside scoop on which cards cater to whom, so you'll be able to find the best fit for you -- and avoid having your credit report dinged by turn-downs.

Denied Credit? New Fed Rule May Interest You

Have you ever been turned down for a loan? Had your credit line slashed or interest rate bumped up? Well, starting Thursday, banks and other lenders will be required tell you a bit more about why. The FTC and the Fed are implementing a new rule requiring lenders to show consumers the credit score data they used to make their decision.

What New Consumer Agency Will Do for You

On Thursday, the Consumer Financial Protection Bureau officially opens for business. Even as the political fight continues over just how potent the agency will be, at root, its mission is to make clear the prices and risks of financial products and services. Here's where it will focus its early efforts:

How to Be a Savvy Tenant in a Landlord's Market

It's simple supply and demand: More people are looking to rent apartments than are buying homes and moving out of them. The result: Rising rents, fewer concessions, and more competition for good apartments. If you're in the rental market -- and more than a third of Americans are -- what can you do?

100 Words That Can Change Your Credit History

You should always know what's in your credit report -- especially if you're planning any major purchases or intend to apply for a new job in the near future. But creditors and credit agencies aren't the only ones who can contribute to your report. You can have your say, too.

How Mortgage Shopping Can Hurt Your Credit Score

It's a can't-win situation: The very process of shopping around for a low interest rate on a mortgage can adversely impact your credit score and cost you the cheaper loan you're seeking. That's because each time a lender pulls your credit report, it shaves a few points off your score.

Eight Money Lessons for New College Grads

Members of the Class of 2011, you're about to be tossed head first into the real world, and -- surprise -- you probably need a little more education about how to handle your personal finances. Here's a Cliffs Notes crash course in Money 101.

Why More People Are Rejecting Their Credit Cards

In the past year, millions of Americans have significantly cut their use of credit cards in an effort to take control of their financial lives. But some people are taking an even more radical step -- going cold turkey on plastic and paying for everything with good old-fashioned cash and checks.