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Tag: Equifax

I Am My Own System Of Record

An email signature I have used from time to time for nearly 7 years reads “John Philpin - I Am My Own System Of...

How Your Credit Score Affects Your Love Life

Having poor credit that is different from your partner can be very difficult and embarrassing. But, when both of you have a bad report...

What Might Surprise You About Alternative Credit Scores

Consumers without credit scores are essentially ineligible to apply for lending products such as credit cards, mortgages, and auto loans. But recent advances in...

Credit Scoring: Demystified

What exactly is a credit score, and why is it so important? If you’ve been unlucky enough to be turned down for a mortgage,...

Borrowers Lose Out On Down Payments Amidst Valuation Errors

Due to increasingly difficult mortgage loan qualification requirements, America is in a financial climate in which down payment percentages and dollar amounts are up....

Your Credit Score May Never Be the Same

Sometimes we don’t know exactly how broken things are until after they get fixed. Case in point: Fair Isaac Corp., the company that created the...

Who’s Borrowing Now? Change in Debt by Credit Score and Age...

The New York Fed’s Household Debt and Credit Report for 2013Q4 shows that net aggregate household borrowing has resumed, and our blog post discusses...

Fighting Mortgage Fraud

Mortgage fraud in Canada has increased by a staggering 50% in recent years, according to Equifax. While accounting for only 13% of attempted frauds in...

Canadians, Seniors, Take on More Debt

Canadian households have returned to their free-spending ways and seniors have joined the party lately by borrowing to finance their post-retirement lifestyles, a new...

The Hidden Credit Report That Shuts People Out of the Banking...

Jessica Silver-Greenberg at the New York Times has an important account of how a system created by banks to catch scam artists like check-kiters...