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L. Sampson's Articles in Credit

  • Instant Online Credit Report Pros And Cons
    Knowing what is on your credit report is important and with the plethora of companies that offer instant online credit reports for free, getting a copy of yours is easier than ever. There are good reasons to take advantage free online credit reports, but with anything that contains your personal information, there are reasons to be cautious.

    Benefits of getting an instant online credit report

    Having instant access to your credit report can come in handy. If you are head...
  • Understanding Your Credit Report
    Your credit report can be one of the most important pieces of information when it comes to your financial health. It is important that you have an understanding of all that it contains and how it relates to future credit you may apply for.

    Your credit report says a lot about you

    Your credit report tells a lender what kind of borrower you are. It tracks late payments, collection requests, and bankruptcies. It also tracks on time payments, loans that are paid off, and acc...
  • Bad Credit Credit Report Repair - Why Do It Yourself?
    A credit report is a powerful piece of paper. Lenders look at it closely when deciding whether or not to give you a loan. Insurance companies can use it to determine your rates or whether they will cover you at all. Employers can access it and use it as a factor in offering you a job or promotion. With that much significance placed on your credit report, it is absolutely essential that the information it contains paints you in a good light.

    Repairing your credit yourself s...
  • Free Credit Report And Score - Why You Need Them Both
    You keep a record of how much money is in your checking account. Chances are, you keep a running tally in the back of your check book and you balance that with the statement the bank sends you each month. As important as it is to know how much money you have available before you write a check, it is equally important to know your credit score and what is on your credit report. Not knowing these things could cost you money.

    A credit score helps predict how credit worthy you...
  • How To Read A Credit Report
    Navigating a credit report can be a bit confusing but it is important to understand how all of those numbers affect you whether or not you are considered credit worthy. A credit report is broke into four basic sections and each one is important to your credit score.

    The first section contains your identifying information

    This is just the basic information that identifies who you are. It can include a list of addresses where you have lived, your name and any other names ...
  • Free Personal Credit Report Online- What To Do With Your Report Once You Have It
    Chances are you have seen ads online for free personal credit reports. You may have even clicked on one and received a copy of your credit history. Now that you have all of this information, do you know what to do with it?

    Check for inaccuracies

    It is very possible that some of the information contained on your credit report isn’t accurate. It can be something as small as an address you no longer live at or something as big as a debt you paid off being reported as outst...

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