Tag: Experian

Credit, Delinquency, and Insurance

Last week, numerous web sites carried the news story, wrote blog posts, and print articles on the Urban Institute’s study that 35% of all Americans are delinquent on their debt and getting to know their debt collectors on a first name basis. If you live in the Dallas metropolitan area, the news is even worse.

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Car Insurance and GAP Coverage

There have been some interesting articles in the news related to cars over the past few months. When taken individually they do not appear to be significant, yet when combined together, they paint an interesting picture for many Americans. The pieces of this puzzle involve rising new car prices, the growing length of car loan terms, and vehicle depreciation.

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How can I accurately check my credit scores and reports??

These days there are so many online credit monitoring companies offering free credit reports and scores; it’s hard to determine which one provides the best and most accurate information. Credit scores can change daily for a number of reasons and no two credit monitoring companies – – or the credit bureau’s for that matter – – score the same way!

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Credit Scores: How They’re Generated

Before credit reports and scores existed, financial institutions had to guess whether someone was a good applicant (or risk) for taking out a loan. Credit reports and scores were “invented” to take the guess work out of it. The national average credit score is approximately 672 – – but how are credit scores calculated?

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