Who Keeps Track of My Credit?

A credit report is an accounting of your credit history, and although it’s a bit confusing, Einstein did NOT make the system up! Your credit report records: Payment histories and amount of time accounts are open. Request for credit (inquires), Results of legal proceedings and personal data (like where you live and tax collections) There [...]

150 Moving Parts

Your credit score has upwards of 150 different components.  It is a mathematical model and though it is considered a “black box,” with few of the actual details made public, we do know the most common elements: Length of time at your current residence and whether you rent or own.  Because of this, often times [...]