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Why does my FICO credit score constantly change?

My FICO credit score keeps going up and down. I pay most of our bills with the card I have had for well over 10 years. The card is paid off every two weeks. I am never late on any accounts. I have no debt other than my house, which will be paid off this year. I monitor my accounts for fraud. Why is my FICO credit score like a bouncing ball?

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CFPB takes credit report gripes

The federal consumer watchdog is now taking your complaints about credit reports, and that may speed up an often frustrating and slow process for consumers.

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How to correct an erroneous credit report

My husband and son have the same name, except my son is the 3rd. My son is in the U.S. Air Force and is only 20 years old. When applying for a loan to purchase his first car, he found out he has a judgment on his credit report of $1,879.

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Checking Your Credit Report is a Big Deal
With every major and sometimes minor transaction hinging on your credit report, the days of not really worrying about what’s on it are over! Your credit can potentially tell an employer if you’re responsible and worth hiring or not. And while some employers don’t place the same amount of importance on credit reports, they still check it. Why take the chance of having a mistake on it? It’s smart to review your free credit report every 4 months (free from each of the agencies). That way, you can check throughout the year and spot problems.
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Recovery at risk as jobs and housing stumble

Manufacturing is also showing signs of developing cracks

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Your Credit Rights Key Rights Contained in the Fai

The Fair Credit Reporting Act (FCRA) is a federal law that regulates how credit reporting agencies use your information. Enacted in 1970 and substantially amended in the late 1990s and again in 2003, the FCRA restricts who has access to your sensitive credit information and how that information can be used.

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Credit Score More Important Than Ever

WASHINGTON -- With the resurgence of tighter underwriting standards, some mortgage-market observers have been predicting that lenders would once again rely more on a borrower's overall worthiness and less on credit scores.

Lenders are giving more credence to each of the so-called Five Cs -- character, capacity, collateral, capital and credit. But your credit score, which is a numerical snapshot of your credit history at a single point in time, is still paramount, said David Chung, managing director of Credit- Xpert, a Towson, Md., firm that sells credit-management tools to lenders.

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How do I order my free report?

You can order your free annual credit report online at annualcreditreport.com, by calling 1-877-322-8228, or by completing the Annual Credit Report Request Form and mailing it to: Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281.

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