A Comprehensive Guide to Credit Reports and Credit Scores




Welcome to our guide to credit reports and credit scores. Building a good credit history requires life-long efforts. You get judged constantly by lending institutions based on your credit report and scores. Whenever you apply for a credit card, a mortgage loan, an auto loan, or even look for employment, they pull your credit report.

Your credit report will contain all your financial grease and grime. There is no way to sweep them under your carpet. If you have ever missed a phone payment, gone bankrupt, or applied for a loan of any type, it will show. Do you want to find out the Tips and Tricks to Have the Highest 800+ Credit Score? Do you know the 6 Mistakes that Can Hurt Your Credit Score for Years? Have you looked for Errors that Can Lead to Expensive Loans? Do you know late payments to These 8 Accounts Could Backfire?

Our team strongly feels that we ought to make this institution a valuable ally to your finances. This guide is compiled by many data points collected from numerous discussion forums as well as research surveys. Our “how-to” guides will walk you through the inner workings of this system and to make the best out of it.

We are open to your feedback and questions. In fact, we encourage you to voice your opinions! There are two ways you can interact with us.
  1. We have enabled the comment module for all the articles.
     
  2. There is a forum for you to post your questions and comments as well.

We wish you luck!


1. Overview of Credit Reports and Credit Scores

1. Credit Reports and Credit Scores
2. Impacts of Your Credit Profile
3. Getting Credit Reports
4. Free Credit Reports
5. Reading Credit Reports
6. Credit Inquiries

2. Understanding Your Credit Score

1. Credit Scoring Systems
2. Credit Score Ranks
3. Understanding Credit Scores
4. Common Mistakes
5. Impact of Bankruptcy
6. Impact of Foreclosure

3. Building a Good Credit Score

1. Credit Score Building Guides
2. Errors on Credit Reports
3. Repairing Bad Credit Scores
4. Rebuilding Credit Scores After Bankruptcy
5. Credit Guide For International Students

4. Tips and Tricks

1. Rate Shopping
2. Optimal Number of Credit Cards
3. Accounts Not Listed on Credit Reports
4. Checking Others' Credit
5. Home Financing Tips

5. Know Your Rights

1. The Fair Credit Reporting Act
2. The Fair Credit Billing Act and The Electronic Fund Transfer Act
3. The Equal Credit Opportunity Act
4. The Fair Debt Collection Practices Act