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Contacting the Credit Bureau

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Why Accuracy Matters
Your credit report is more than just a record—it is a financial snapshot that influences everything from loan approvals to job opportunities. When errors appear, they can cost you money, opportunities, and peace of mind. That is why contacting the credit bureau is not just a formality but a key step in protecting your financial future. Much like business debt relief helps companies restructure and clear up financial confusion, disputing inaccuracies ensures that your personal financial picture reflects the truth. It is about making sure you are judged on facts, not mistakes.

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New Jersey Has 2nd Highest Credit Card Debt

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the staff of the Ridgewood blog

Ridgewood NJ, Americans have taken on more credit card debt in the last few years. Overall credit card debt hit $807 billion in Q1 of 2019 in the US according to Experian , a 29% increase over the last 5 years.

Here are additional credit card trends:

  • New Jersey had the 2nd highest credit card debt among all states at $6,881 in Q1 of 2019.
  • The New York-Northern New Jersey-Long Island Metro Area had an average credit card debt of $6,872 in 2019.
  • 60.5% of Americans had a credit card in Q1 2019, an 11% increase from Q1 of 2016.
  • The average credit card balance in Q1 2019 was $6,028
  • No Annual Fee and Secured Credit Cards were the most viewed credit cards in Q1 of 2019.

Check out the full research article here: https://www.experian.com/blogs/ask-experian/state-of-credit-cards/