Why You Need to Check All Three of Your Credit Reports Before Applying for a Mortgage

Congratulations! You’ve made the decision to buy a home, or refinance your existing mortgage. Either way, it’s an exciting time filled with burdensome requests from your mortgage broker or mortgage lender. Two copies of this, three copies of that and pretty soon you’ve got about two inches of paperwork. Indeed, applying for a mortgage loan is

4 Surprising Things That Have No Impact on Your Credit Score

What influences your credit score? Late payments, credit card debt, and inquiries—it’s no secret these items are considered by credit scoring systems. In fact, the list of items that have no influence on your credit scores is considerably longer than those that do. Credit Sesame’s credit expert, John Ulzheimer shares four surprising things that have no impact on your credit score and why.

Are All Free Credit Scores FAKO Scores?

I read an article in a very popular consumer magazine that profiled a variety of websites that give away free credit scores. In fact, there are currently some 21 methods of getting free credit scores. The article was critical of the sites because they believed the credit scores being given away for free were somehow fake or deficient to credit scores developed by large credit scoring companies, like FICO.

How Late Payments Affect Your Credit Scores

Despite the common misconception, not all late payments are created equal. Credit Sesame credit expert, John Ulzheimer, explains exactly how late payments affect your credit scores and how to recover.

Ask the Expert: Which Credit Score is the Right Credit Score to Check?

A Credit Sesame user writes in with questions about all the different free credit scores available to consumers, wanting to know which credit score is the right credit score to check. John Ulzheimer, credit expert for Credit Sesame, answers.

Timeline for Bureaus to Roll Out New Credit Reporting Changes, Key Dates to Watch

The three credit reporting agencies entered into a settlement agreement with the New York Attorney General that will result in massive changes in credit reporting practices. John Ulzheimer, credit expert for CreditSesame.com, explains what these new changes will entail and breaks down the three phase timeline for the bureaus to roll out these new credit reporting changes.

Ask the Expert: Should I Pay My Taxes With a Credit Card?

April 15th is tax day, and represents the Internal Revenue Service’s tax filing deadline for the year. If you owe money to the U.S Treasury or your state’s tax authority, you’ll have to either mail your payment that day or file for an extension. Filing for an extension means the interest clock will begin ticking,