Category: PERSONAL FINANCE

Credit Reports: What You Need to Know

A credit report is a document that lists all of the credit accounts that you have open, as well as your payment history on those accounts. This information is used by lenders and other businesses to determine your credit score. Your credit score is a number that reflects how likely …

3 Main Credit Bureaus – Who They Are and What They Do

If you’re looking to build good credit, you’ll need to know about the three main credit bureaus – Experian, Equifax, and TransUnion. These agencies keep track of your credit history and score and play a big role in determining your eligibility for loans, mortgages, and other types of credit. In …

Vantage Credit Score: What You Need to Know

What is a VantageScore? How is it different from a FICO score? These are questions that many people have been asking lately. A VantageScore is the credit scoring model created jointly by the three major credit bureaus: Experian, TransUnion, and Equifax. This article will explain everything you need to know …

What are the Different Types of Credit Scores?

Your credit score is one of the most important numbers in your life. This three-digit number can affect your ability to get a loan, a job, or an apartment. It’s important to understand what this number means and how it is calculated. In this blog post, we will discuss the …

Alpha: Definition, Calculation, Formula, Usage, Example

Alpha is one of five popular technical investment risk ratios/investment strategies, others are beta, standard deviation, R-squared, and the Sharpe ratio. Active portfolio managers believe adding Alpha to a portfolio can outperform the market and passive investing. They also believe it can reduce the risks and provide higher returns than …

How to Dispute an Item on Your Credit Report

If you have ever checked your credit report, you may have noticed that there are errors on it. This is not uncommon; in fact, a study by the Federal Trade Commission found that one in four consumers had an error on their credit report. If you find an error on …