The lender told you to get a copy of your credit report as part of the pre-qualifying process for a mortgage. The purpose, he said, was to see how your credit looked and to clear up any errors that might be in the report...

Every consumer who uses credit has a credit record -- and is it ever powerful. Every time you apply for credit or a loan, creditors obtain your credit record to verify your worthiness. But, the use of these reports has broadened. ...

You need to be aware that the only ones who can permanently remove the debt from your record are the credit bureau or the creditor. Dear Bankrate,...

The ability to "charge-it!" is as American as hot dogs, apple pie and baseball. Credit is issued with the understanding that you'll use it wisely and make payments in a timely manner. Unfortunately, it's easy to mess up the relationship. Avoid these habits...

Blotches on your credit report cost you. But, don't despair. It's never too late to become credit worthy -- just get started, and remember that it won't happen overnight. Here are 5 steps for improving your credit rating: ...