“Often I get invitations from credit cards or lenders to check my credit and it states ‘it won’t impact your credit.’ How is that possible?” The credit card invitations you are receiving are likely ...

When you apply for credit, a lender is likely to check your credit file or, to use a more technical term, perform a credit inquiry. A credit inquiry is a lender's request to access your credit history ...

People who froze their credit files before September may notice some changes when the time comes to thaw the files. As of Sept. 21, a new law requires that the three major credit reporting bureaus — ...

A recent report from U.S. PIRG Education Fund, a consumer advocacy group, found that complaints filed with the Consumer Financial Protection Bureau about credit-report companies nearly doubled between ...

After the shock of losing her job, Lisa Hill-Green of Richmond, Va., struggled to pay her bills. In an effort to bring down her costs, she went to her mortgage lender for a loan modification. But then ...

Do you know the difference between 550 and 780? Yes, they’re 230 digits apart, but they’re also examples of bad and good credit scores, respectively. If you don’t check yours regularly, now’s the time ...

When you or someone else accesses your credit information, the credit bureau that granted the access places a record of the credit check on your credit report. Some credit checks (aka credit inquiries ...

Alvin Byers is a consultant by day and "travel hacker" by night. After conquering a fear of flying, Alvin seeks any opportunity to get into the air to explore the world. As a married man and father to ...

Dear Liz: Two of my credit card issuers have drastically lowered my credit limits. They blamed my credit report at Equifax. At first, Equifax could not even find my report. I had to send paperwork to ...