John Ulzheimer is a recognized expert on credit reporting, credit scoring and identity theft. He is a credit blogger for Credit Card Insider, CreditSesame, Mint, and the National Foundation for Credit Counseling. John is twice Fair Credit Reporting Act (FCRA) certified by the credit reporting industry’s trade association and has been an expert witness in over 140 cases involving credit issues. Formerly of FICO and Equifax, John is the only recognized credit expert who actually comes from the credit industry.
When you make a partial mortgage payment the lender will hold the funds in a suspense account until you make a full payment. Learn more in this post.
Most mortgage payments have a due date of the 1st of the month, but don't need to be paid until the 15th. It's called a grace period. Learn more here.
Find out why you get all these offers, if they affect your credit score, and how to quickly and easily stop them.
What do you do if your credit card isn't on your credit report? Find out here.