For the people who has a poor credit score or don’t establish his/her credit history yet, it is hard to apply for the loans or new credit cards. Actually there are still some opportunities for these people to improve their credit scores. 1. The shopping…
In the U.S., every one has a social security number (SSN). This SSN will follow you for your entire life. If you screwed up something, it will be reported to the HOGAN system. This system is so powerful that all the info about a person’s…
1. Is it good for my credit score if I pay minimum (for the statements of your credit cards) every month? The “balance/credit limit” rate of your credit cards’ statements will have some influence on your credit score. If you don’t pay off in full…
1. How many credit cards should I have? The number of your credit cards has no impact on your credit score. You can still keep those credit cards that you don’t want to use. If you cancel these credit cards, the length of your credit…
1. Who provides the the credit report services? There are 3 credit bureaus in the U.S. and they are Equifax, Experian and TransUnion. Equifax P.O. Box 105873 Atlanta, GA 30348 (800) 685-1111 Experian (formerly TRW) P.O. Box 2104 Allen, TX 75013-2104 (888) 397-3742 Trans Union…