Credit reports are compiled by a credit reporting agency and contain data from many different sources. They are commonly used to make decisions about a person’s ability to obtain credit, employment, insurance and rent or purchase a home. Read More
We often hear people use the terms credit report and credit score interchangeably without realizing they are different. It’s understandable since credit scores and credit reports are related (credit scores can be based upon information found in a credit report). Read More
John had been regularly denied employment due to poor credit stemming from a stroke. During a recent job interview, he spoke very candidly about his financial position—making them aware that he suffered a stroke and lost his job as a result. Read More
Fred's son (age 10) received a pre-approved credit offer in the mail. Fred traced the offer back to the national athletic organization that oversees the swimming program in which his son participated. Read More