Tradeline Supply Company, LLC

10/12/2021
Do Tradelines Really Work?

Do Tradelines Really Work?

Is the authorized user tradeline strategy effective? Credit expert John Ulzheimer explains why and how authorized user tradelines work.
09/23/2021
When Being an Authorized User Doesn't Help

When You Should NOT Be an Authorized User

While being an authorized user on someone's credit card can be helpful for many consumers, it's important to remember that it can also hurt your credit in some cases. Learn these scenarios where you should not be an authorized user so you can make wise decisions for your credit.
09/21/2021
How to Remove Derogatory Entries on a Credit Report

How to Remove Derogatory Entries From Your Credit Report

Do you have derogatory items dragging down your credit score? Here's how to get derogatory entries removed from your credit report.
09/16/2021
Metro 2, e-OSCAR, and Credit Disputes - Credit Countdown

Metro 2, e-OSCAR, and the Credit Repair Dispute Process

Go behind the scenes of the dispute process used in credit repair and learn the importance of the Metro 2 and e-OSCAR systems in credit disputes.
09/09/2021
Credit Myth Busting The Opt-Out Myth

Credit Myth Busting: The Opt-Out Myth

The “opt-out” myth is one of many myths that lead consumers astray when it comes to credit. What is the opt-out myth and why does it not work?
09/02/2021
Secured Debt vs. Unsecured Debt

Secured vs. Unsecured Debt: What Are the Pros and Cons?

Secured and unsecured debt are very different types of credit. Learn the benefits and drawbacks of each and how they can affect your credit score.
08/28/2021

Things Everyone Should Know About Credit Cards

Credit cards are not only a useful payment method for making purchases but also an essential component of a solid credit-building strategy.  After all, credit cards […]
08/25/2021
Reasons Why You May Not Have a Credit Score

Reasons Why You May Not Have a Credit Score

Millions of consumers in the US lack a credit score and are "credit invisible." Learn why you may not have a credit score and what you can do to gain credit history and become credit visible.
08/12/2021

Will These Strategies Help You Get More Credit Score Points?

John Ulzheimer sheds light on which strategies to get more credit score points hold merit and which ones are just myths.
07/26/2021

Are There Negative Items That Can Stay on Your Credit Forever?

Certain negative items could potentially stay on your credit report permanently. Here are the three exceptions to the 7-10 year limit on negative information imposed by the FCRA.
07/09/2021
How to Use Credit Cards Responsibly Without Going Into Debt

How to Use Credit Cards Responsibly Without Going Into Debt – Credit Countdown With John Ulzheimer

Credit cards often get a bad rap, but you don’t have to get into credit card debt or pay interest in order to take advantage of their benefits. Read this article to learn how to use credit cards the right way.
06/14/2021
Credit Countdown: What Is a Date of Last Activity?

Date of Last Activity (DLA): What Is It and Does It Really Matter? – Credit Countdown With John Ulzheimer

What is a DLA (date of last activity) on your credit report and do you need to worry about it affecting your credit score? Find out in this Credit Countdown video.
06/07/2021
Debit Cards vs. Credit Cards

Debit vs. Credit Cards: Which Is the Better Way to Pay? – Credit Countdown With Credit Expert John Ulzheimer

Is it better to pay for purchases using a credit card or a debit card? Use the information in this article to decide.
05/15/2021
What Does It Mean if Your Credit File Is Confused or Mixed?

What Does It Mean if Your Credit File Is Confused or Mixed?

"Mixed" or "confused" files, duplicate files, and fragmented files are all cases in which your credit report may be inaccurate.
05/09/2021
Credit Countdown: Credit Dispute Forms [video thumbnail]

Which Forms Are Used to Complete the Credit Dispute Process?

When you file a credit dispute, there are certain forms and processes required to resolve the dispute. Different forms are used depending on which type of dispute you are filing. Learn what these forms are used for, when they are used, and what information is included on them.
05/04/2021
The Top 3 Credit Myths That Won't Go Away

The Top 3 Credit Myths That Won’t Go Away – Credit Countdown With Credit Expert John Ulzheimer

These are the top three credit myths that just won’t seem to go away, according to credit expert John Ulzheimer.
04/17/2021
Inquiry Bumpage and Choppage

Can Inquiry “Bumpage” and “Choppage” Help Your Credit?

Could inquiry "bumpage" and "choppage" improve your credit? Find out from an expert who has spent three decades in the industry, John Ulzheimer.
12/04/2020
Want to See Your FICO Score for Free? Here’s How to Do It

Want to See Your FICO Score for Free? Here’s How to Do It

Most lenders use your FICO credit score when they are deciding whether or not to extend credit to you. And yet, historically, it has been costly for consumers to access their own FICO scores. If you need to check your FICO score, where can you do so without paying a fee to access it? This article lists some of the best places to get your FICO score for free.
11/30/2020
How to Get Through the Holidays With Your Credit Intact

How to Get Through the Holidays With Your Credit Intact

With so many Americans unemployed and struggling financially, it’s more important than ever to go into the holiday season with a smart strategy to keep your finances intact. Here are some tips on how to make it through the holiday season without going overboard on spending, hurting your credit, and derailing your financial goals.
11/05/2020
Snowball vs. Avalanche: What Is the Best Way to Pay Off Debt?

Snowball vs. Avalanche: What Is the Best Way to Pay Off Debt?

The debt snowball and the debt avalanche are the two most popular methods for paying off debt. We explain how they work, the pros and cons of each approach, and how to decide which debt payoff strategy is right for you.
10/27/2020
Why Did My Credit Score Go Down?

Why Did My Credit Score Go Down?

If your credit score has gone down, it's important to understand why so you can address the problem. Let's discuss some possible credit issues that could cause a decrease in your credit score.
10/12/2020
Can Alternative Credit Data Help the Credit Invisible?

Can Alternative Credit Data Help the Credit Invisible?

“Alternative data” is a concept that is becoming increasingly popular as one possible solution to the problem of credit invisibility. Let’s shed some light on the emerging topic of alternative credit data and how it could help or hurt consumers.
09/20/2020

FICO Resilience Index: Should You Be Worried? [Infographic]

The FICO Resilience Index is a new type of credit score designed to help lenders better evaluate credit risk in today’s shaky economy. Should you be worried about your Resilience Index rating?
07/31/2020

How to Protect Your Finances and Credit During the Pandemic

Managing your finances and protecting your credit in the time of COVID-19 is a daunting task. Here are some steps you can take to get started right now.
06/11/2020
A Spotlight on the Staggering Financial Inequalities in America

A Spotlight on the Staggering Financial Inequalities in America

As our nation collectively reckons with its history, we want to shed some light on the economic inequalities in America.
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