credit-agency

Credit Agencies

Your entire credit history is recorded and tucked away in one all-important document known as your credit report. These files are maintained by credit reporting agencies (a.k.a. credit bureaus, such as Experience, TransUnion, and Equinox).

The Equal Credit Opportunity Act (ECOA) makes it illegal for a creditor to discriminate by gender or marital status when it comes to any type of credit transaction. The Fair Credit Reporting Act (FCRA) protects your right to privacy and makes provisions governing the accuracy of credit reports.

How Credit Agencies Work
A credit report is only as accurate as the data provided–which isn’t always as reliable as you might expect.

What is a Credit Score?
Just like in school, you actually get a letter grade that reflects how well you’ve handled paying bills and such, but unlike in school, your credit history will be continually reassessed throughout your financial life.

Understanding Your Credit Report
How to make heads or tails of the information included in your credit report.

Marriage & Divorce
Nobody plans for the worst, but don’t let a marriage in ruins ruin your credit history.

Order Your Credit Report
How to get a copy of your credit report.

 

 


Copyright © 2017 MsMoney.com, Inc. All Rights Reserved.