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Credit Report and Score<br>Related Legal Information  

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Credit score a key part in loan decisions.


BY TERRY SAVAGE SUN-TIMES COLUMNIST.
 
Do you know the score? This week marks the first anniversary of publicly available Credit scores. And it might pay to check in to see where you rank.
 
Credit scoring has long been a behind-the-scenes method that lenders use in determining who should get credit--and what interest rates they should pay. Unlike a Credit Report, which simply tracks your bill-paying habits as reported by your creditors, your Credit score assigns a weighting to other variables in your personal financial history.
 
Learn your Credit score and credit record.
 
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Credit report correction techniques  

Credit report correction techniques

Many times the credit bureau is busy and does not handle your dispute properly ...
Basic rights under The Fair Credit Reporting Act  

Basic rights under The Fair Credit Reporting Act

All Federal Laws are in consumer's favor and you will have the advantage ...
Credit scoring and the lending industry  

Credit Scoring and the Lending Industry

Credit scoring is crucial to your ability to get a loan. When you apply for a mortgage, your lender ...

Auto and Student Loans Drive Borrowing Surge

Wall Street Journal
The 36-year-old and her husband spent several years paying off student loans and staying out of credit-card debt, earning a sterling credit score. Early last year, the couple starting talking about replacing their 2003 Ford Expedition.
Auto and Student Loans Drive Borrowing Surge

Key moves for surviving low interest rates

Sioux City Journal
So even though the average rate on a 30-year mortgage remains below 4 percent, a spotty credit history will mean you'll pay far more. The upside now is that you have time to improve your credit score before applying. If your goal is to refinance, ...
Key moves for surviving low interest rates
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