Credit Report

Bankruptcy Dismissal vs. Discharge What-s the Difference & How They Affect Credit - header 1Bankruptcy Dismissal vs. Discharge: What's the Difference and How They Affect Credit
April 22, 2022
A bankruptcy dismissal makes you responsible for your debts, while a discharge means that you no longer have to repay your debts prior to bankruptcy. Read more.
6 Types of Bankruptcies Explained - Header 16 Types of Bankruptcies Explained
April 21, 2022
While Chapters 7, 11, and 13 bankruptcy are commonly known, there are actually six types of bankruptcies — here’s what you need to know before filing. Read more.
Credit Lock vs. Credit Freeze Differences and Uses Explained - header 1Credit Lock vs. Credit Freeze: Differences and Uses Explained
April 5, 2022
Credit locks and credit freezes are ways to restrict and secure your credit report, but there are advantages, disadvantages and differences to using each. Read more.
ITIN vs. SSN Header - 01ITIN vs. SSN: What Are The Differences?
March 31, 2022
ITIN's are issued to residents with foreign status, while SSNs are issued to U.S. citizens or authorized non-citizens. We'll explain the differences. Read more.
How Long Should You Keep Your Credit Card Statements Header - 01How Long Should You Keep Your Credit Card Statements?
March 29, 2022
You may be considering disposing of all your credit card statements, but we'll explain how long to keep credit card statements and the reasons why you should. Read more.
What Is Annual Income and How To Calculate It Header - 01What Is Annual Income and How To Calculate It
March 28, 2022
What does annual income mean? Annual income is the total amount of money you have earned during a calendar year. Here is a formula to calculate your income. Read more.
Credit Report Dispute Form Header - 01FCRA Section 604 vs. 609: Which Supports Your Dispute Letter?
March 22, 2022
Sections 604 and 609 of the FCRA have similar numbers and refer to consumer reports and/or disclosures. Section 609 supports a dispute letter. Read more.
What Is Cancellation of Debt And When To Use Form 1099-CWhat Is Cancellation of Debt and When To Use Form 1099-C
March 10, 2022
A cancellation of debt is when a lender relieves an individual from a debt agreement. We'll explain how it works and provide a few debt tax exceptions. Read more.