What Is A Credit Report?

What is a credit report? A Credit report is a record of your debts, payments, or lack thereof, and any judgments filed against you. Bad things can stay on your record for seven years. Bankruptcies stay on for 10 years. Good things stay on longer.

It's important that you check your credit report frequently to maintain accuracy.

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You And Your Credit Score

Everybody's heard of a Credit Score. But a lot of people don't understand how important your credit score is in today's financial environment. Your credit score can have an effect on many things in your life including your job, your ability to get good interest rates, even your ability to rent an apartment.

With so much depending on this three digit number, you'd think we would have easy access to what it is, how to get it, how to improve it, and how to protect it.

A big part of your debt and credit journey will revolve around this number. In the next few posts I'll show you what I've discovered in my search for answers and solutions.

Help Is On The Way

After many months of searching around, trying to find answers to debt and credit problems, I finally decided to put together this blog to highlight some of the solutions I've found. From credit scores, to reports, to credit cards and loans, I'll let you follow along as I travel through the jungle.

I hope some of you find them useful.