How to Create a New Credit File at Companies?

Answer A credit file is a record of a person's credit history, based on creditors' reports to the 3 major credit bureaus. A credit bureau uses an social security number (SSN) to identify borrowers. Almost... Read More »

Top Q&A For: How to Create a New Credit File at Companies

How to Create a New Credit File Fast?

If your credit history has taken some hits, starting over with a new credit file can seem like a good solution. However, it's not that easy to sweep old mistakes under the rug. And there's no way t... Read More »

If I Negotiate With Credit Card Companies Myself, Will It Negatively Affect My Credit Score?

If you lose your income, you may find yourself with credit card accounts that you are having trouble paying. As these balances become past due and move further into delinquency, account holders may... Read More »

Can credit-repair companies increase a credit score?

On One Hand: Credit-Repair ScamsCredit-repair companies promise to wipe away all your financial problems. Beware of promises that sound great but you know are wrong, such as improving your credit s... Read More »

How soon do credit card companies report to credit agencies?

Credit card companies do not have to report to credit agencies at any particular time, according to Bank Rate. Also, some credit card companies and other lenders may only report to certain credit b... Read More »