Discover how credit scores and credit reports differ, why each is important, and how they impact your financial life.

When you’re applying for a loan, credit card or lease, knowing the difference between your credit score and credit report can give you some insight into how your lender or landlord views you from a ...

After the shock of losing her job, Lisa Hill-Green of Richmond, Va., struggled to pay her bills. In an effort to bring down her costs, she went to her mortgage lender for a loan modification. But then ...

In a significant move toward enhancing consumer financial health, AnnualCreditReport.com, the centralized platform for free credit reports, has expanded its services to allow individuals to access ...

When a loan EMI or credit card payment is overdue for up to 90 days, it reflects in the individual’s credit report as SMA.

Affiliate links for the products on this page are from partners that compensate us and terms apply to offers listed (see our advertiser disclosure with our list of partners for more details). However, ...

Your credit reports can contain a wealth of information about you and your history with loans, credit cards and collection accounts. They’re also the basis for your credit scores and various ...

A hard inquiry occurs when you apply for a credit card, a mortgage or another type of loan. Hard inquiries can reduce your credit score anywhere from zero to five points, depending on the details in ...

Staying on top of all your bills can be difficult and sometimes you’ll have to miss a bill to prioritize other necessities. The good news — missing a payment by a couple of days or weeks won’t hurt ...

Errors and negative information on your credit reports can lower your credit scores. Cleaning up your credit report may help ...