You can learn more from our asked questions
These are some of the frequently asked questions that our customers have asked in the passed. Check them out, to have more insights.
If you use it responsibly, credit can be a useful tool. But if you don’t, you’ll have to face some negative consequences that will make your life harder.
There are a few different types of scores, but the two best-known are your FICO Score and your VantageScore. They’re calculated based on the information that shows up on your credit report.
Your report and score can differ from bureau to bureau because they don’t always have the same information, so we recommend you check each report separately to confirm that everything is on the up-and-up.
- Not paying bills on time
- Filing for bankruptcy or foreclosure
- Applying for too many credit accounts
- Carrying high balances on your credit cards
- Ignoring questionable negative items on your report
Beyond these five factors, your credit could contain negative items that are unfair or inaccurate, which can stay on your reports for up to seven to 10 years. If you don't want to wait that long, you can try repairing your credit.
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Why You Should Get Your Credit Report
Disputing negative items
Negative items on your credit report are pretty much always bad. The good news is, if the negative item is incorrect, unfair, or unverified, you can work to fix it.
Not sure if a negative item is hurting your score?
Find out in as little as 5 minutes from our trusted sources below.