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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.

More Financial Institutions Give Free Credit Scores

As more and more financial institutions and credit card issuers jump on the free score trend, consumers now have more options than ever for getting free credit scores.

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.

Want a Higher Credit Score? There’s an App for That

While there certainly are exceptions, in general, technology has made our lives easier. Cell phones make it more convenient to stay in touch with someone. GPS keeps us from getting lost in unknown areas. Streaming music services allow you to build a gigantic song library for little money. And now, digital advancements can help you build credit and earn a higher credit score, too. Here’s how.

How to Get the Best Price on a New Car

When it comes to best practices for buying a new car, separating sound advice from old wives’ tales is difficult. Here, we break down new car buying tips and strategies and discuss what works and what doesn’t, to help you get the best price on a new car.

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, 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.

Overwhelmed by Debt? Credit Counseling Can Help

Maybe bill collectors are calling you on a regular basis. Or perhaps you’ve maxed out your credit cards and are struggling to pay the minimum month after month after month— building a mountain of debt that’s crushing you. You could also be planning to buy a house and looking to get your credit and finances in order before applying for a mortgage. If you identify with any of these scenarios, a credit counselor could be the helping hand you’re looking for.

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