Term: credit report
46 found

Building your eCredable profile is as easy as linking your online utility accounts

By Steve Ely on 1/9/2017
The majority of the bill payment history contained in your eCredable Credit Report comes from you utility accounts.  In 2016, we added the capability to link up to 8 eligible utility accounts - gas, water, power, mobile phone, land lineinternet, cable and satellite TV.  It's much easier - and much cheaper - to add payment information to your eCredable Credit Report when you link accounts.  Before you get started, make sure you already have online accounts set up at your utility companies.  When you link these accounts to your eCredable profile you'll need to share your log-in credentials so we can access your account and download up to 24 months of payment history.  Then every month going forward, we'll log-in again and get the current months payment history.  

 

And here's an added bonus.  All the information we're able to download will allow us to gather the data necessary to demonstrate how useful this payment history would be if it were added to your credit file at one of the major credit bureaus.  Just imagine adding your mobile phone, internet, power and gas bills to your credit bureau credit file and impacting your FICO Score!  That's what we're working on and you can help us help you by making this a reality.  The more accounts you link, the faster we get the data we need.  So spread the word to your friends and get them to help out too!

Credit Profile
credit report
link account
link accounts

Does Everything on My Credit Report Affect My Credit Scores?

By Steven Shaw on 5/27/2016

woman-holding-ipad

 

Credit reports, as you’ve no doubt heard, are tremendously important. After all, the information on them dictates your credit scores, which, in turn, dictate whether you’re able to readily score things like a mortgage, auto loan, credit card and even affordable insurance or cellphone plans.

But not every piece of information on that crucial report carries weight.

credit 101
credit report
credit score

Why Are There Errors on My Credit Report?

By Steven Shaw on 1/13/2016

credit card debt

Like baseball, apple pie and binge-watching TV shows on Netflix, finding errors on your credit report has become a national pastime — it’s just a pastime that no one really enjoys.

According to a report from the Federal Trade Commission, one in five Americans have errors hiding on their credit reports. Seems like a large number? It is, considering how important your credit is to buying a house, applying for a credit card and even just getting a cellphone.

credit report
credit score

2 Bureaus Corrected My Credit Report, But the Third Won’t. What Can I Do?

By Steven Shaw on 9/11/2015
financial frustrationsOne of the most common concerns we hear from readers is that their credit report contains errors or information they don’t understand or recognize. There are a number of reasons wrong information could be on your credit report, but the solution is often to dispute the information with the credit bureaus to get it removed from your report. But for some consumers, the problem doesn’t end there.
credit 101
credit report
Credit Report Errors

Who’s Not Allowed to See Your Credit Score?

By Steven Shaw on 7/31/2015

credit score

One of the most common complaints about credit scores isn’t even true — that your employer or potential employer can see your credit score.

credit report
credit score

I Paid for a Landlord Credit Check. Don’t I Get to See It?

By Steven Shaw on 7/16/2015

I Paid for a Landlord Credit Check — Do I Have a Right to See the Report?

When you apply to rent a home or apartment, it’s not unusual for the owner or manager to require a credit check — and to charge a fee to recover the cost of purchasing it.

credit score
Credit Check
credit report
Rent
Rent Apartment

6 Mistakes You Make When You Check Your Credit

By Steven Shaw on 6/5/2015

6 Mistakes You Make When You Check Your Credit

You may know that if you apply for a credit card, loan, a place to live or perhaps a job, there will be a credit check. But do you know what someone reviewing your credit will find? You can have at least an idea of the answer if you check your own credit first. Doing so won’t affect your credit scores, so that’s not a worry. Still, there are some common mistakes consumers make when they check their credit.

credit 101
Credit Check
credit report
credit score

Why Kicking Debt Collectors Off of Your Credit Report Just Got Easier

By Steven Shaw on 6/2/2015

Why Kicking Debt Collectors Off of Your Credit Report Just Got Easier

Deborah is trying to clean up her credit so she can purchase a home. But it’s not proving easy. In particular, three collection accounts are causing major headaches. “One has listed a collections agency no longer in service, One collection agency will not return my calls. (left messages) and one has false info on it,” she writes on the Credit.com blog.

collection accounts
collections
credit report
Debt Collectors

Is Your Credit Keeping You From Buying a Home? You’re Not Alone.

By Steven Shaw on 5/29/2015

2 Strategies for Buying a Home When You're In Debt

For most of us, buying a home is both exciting and scary. It’s a big purchase, often financed for many years, and no one wants to make a mistake. But many homebuyers are delaying the big jump into homeownership because of one thing — their credit scores.For most of us, buying a home is both exciting and scary. It’s a big purchase, often financed for many years, and no one wants to make a mistake. But many homebuyers are delaying the big jump into homeownership because of one thing — their credit scores.

credit report
credit score
Home Loan
Mortgage

How Late Can I Pay a Bill Before It Hurts My Credit?

By Steven Shaw on 5/22/2015

How Late Can I Pay a Bill Before It Hurts My Credit?

It’s irritating to run across a bill and to realize it was due yesterday… or last week. If it’s a credit card bill, you may also have to pay a fee (sometimes, if it’s a rare slip-up, you can get it waived), and it can be especially scary to find an overdue bill if you have applied for credit or plan to in order to make a big purchase, like a house or vehicle. Readers often ask us how late a payment has to be before their creditors report it to the credit bureaus:

credit 101
credit report
credit score
late payment