One of the most frequently asked questions we get regarding credit reports is: “When do creditors report to the bureaus?” There is a misconception that creditors report their information at the beginning of every month and that credit reports update at that time as well. But in the world of credit reporting that would make … Read more
A presentation of the Did You Know Series Did you know…The Federal Trade Commission (FTC) has an abundance of free publications that you can order to help you with your credit? They offer publications on topics such as: How to Build a Better Credit Report, Understanding Your Credit Scores, How to Deal With Debt, Understanding … Read more
Wouldn’t it be nice if we could just make a phone call and say: “I promise to be good, to exercise, to eat right and take all my vitamins if you will just turn back the clock…” then have all the wrinkles and extra pounds just vanish? Maybe we can’t do that with our bodies … Read more
It is more crucial than ever for young adults to begin building a positive credit history well in advance of taking out an auto or home loan. Building a foundation of good credit and scores will determine interest rates and overall creditworthiness. To that end, this is a helpful guideline for young adults to understand … Read more
Whether you’re getting ready to walk down the aisle or headed to Las Vegas there are certain things to keep in mind in regards to your credit to make sure it retains its integrity. Neither of these life occurrences in and of themselves will have a direct impact on your credit history or credit scores, … Read more
Most people have cell phone bills, utility bills, rent payments,etc. While the majority of these do not report to the bureaus they can still affect your credit score if you become delinquent on them. Once you are past due on any of these items after a certain amount of time, they will be turned over … Read more
Borrowers needing help establishing credit most often start with getting a secured credit card. While secured cards are a great way to start establishing or re-establishing credit they do require you to put $300-$500 up front to secure the card. Unfortunately, some people may not have access to that much money. Luckily, there’s another option … Read more
Winter is over. We’ve planted the flowers, washed the heaviness of winter off of the windows and dusted away the cobwebs. Now is a great time to check out any cobwebs that may be lingering on your credit report. For example – The charged off credit card from a couple years back. Or even the … Read more
A Presentation of the Did You Know Series Did you know…when you get married you do not inherit your spouse’s credit? Each individual has their own separate credit file. When you marry those files are not combined…they will always be separate. So if the person you are marrying has less then stellar credit you do … Read more
Evergreen, Colo., September 23, 2013 – Advantage Credit Inc., a leading provider of credit reporting services, is pleased to be announced as a preferred credit partner of Stearns Lending. This partnership will allow Advantage Credit customers to reissue their credit reports directly to Stearns Lending’s automated underwriting system, eliminating unnecessary re-access of the information. The … Read more