"The changes mean that if someone ... and TransUnion. That data is used by FICO and other companies to create your credit score. You're entitled by law to a free credit report once a year from ...

Have you recently come across the name Factual Data ... credit score. Below is a closer look at the difference between soft and hard inquiries. How does a hard credit check affect your report?

To do that, various consumer reports and scores have been created. [See: 9 Financial Tools You Should Be Using.] While c redit scores are the most commonly known data point, it hasn't always been ...

See how we rate credit score services to help you make smart decisions with your money. It's important to read your credit reports often to check for mistakes. Credit reports are broken down into ...

From data entry mistakes to the results of identity theft, errors on your credit report can lower your credit score. That in turn can limit your ability to qualify for favorable interest rates on ...