Credit reports
Answers from across the site that touch on credit reports.
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Reading a Credit Report and Spotting What Is Wrong
Federal law gives you access to the file each nationwide credit bureau keeps on you. Reading it in order, section by section, is how you find the entries that are actually wrong.
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Disputing a Credit Report Error and Escalating It
A credit reporting dispute is a statutory process with a deadline attached. This is what you send, what the bureau and the data furnisher must do with it, and where to go when the result is wrong.
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Credit Scores: What Moves Them and What Cannot Be Removed
A credit score is a model reading your credit report. Change the report and the score follows; try to change the score directly and there is nothing to push against.
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Authorized Users, Cosigners, and Joint Account Liability
Three arrangements look similar on a statement and are completely different in law. One creates no liability at all, one creates full liability, and one splits ownership and debt between two people.