Go One Place for Free Credit Reports

There are plenty of advertisements on television warning consumers about the problem of identity theft. There is one with singing pirates or singing medieval men that make identity theft almost sound like fun. One identity theft commercial has a policeman who explains he had his identity stolen. The implication is that if a policeman can become a victim then anyone can become a victim. [Read more]

So You Know Your Credit Score But What Does It Mean?

You’re always being told to check your credit score. Magazine articles, TV commercials, and financial experts are always proclaiming the utter necessity of knowing your credit score. True, your credit score does have a big impact on your ability to get more credit, to obtain gainful employment, and to do many other things but do you know what your credit score means? [Read more]

What To Check When You Review Your Credit Report

You hear it all the time. You need to request your credit report on a regular basis to make sure that everything is correct. But what exactly are you looking for? If you have your credit report staring you in the face then what do you need to look for? You have gone to all the trouble to order your credit report. Now you need to know what to do next. [Read more]

Consumers Prepare for Credit CARD Act

Consumers have been inundated with news about the passage and implementation of the Credit CARD Act. CARD stands for Credit Card Accountability, Responsibility and Disclosure. [Read more]

Overcoming Destroyed Credit History Focus of Consumers

The consumer credit market all but came to a standstill for months over the last year. But even worse is the fact that many consumers watched their credit histories destroyed after years of timely payments. Rising foreclosures, and credit card and loan delinquencies, have created many black marks on credit reports that will haunt consumers for many years. [Read more]

New Ways To Improve Your Credit Score

You know that your credit score impacts your life. It determines how much you will pay for loans and if you will even be able to get one. It may even determine if you are hired for a job that you apply for. [Read more]

3 Easily Avoidable Credit Pitfalls

There are so many credit problems out there that it can feel like there is nothing you can do to avoid bad credit. You come up short on money and you use your credit to make up the difference. [Read more]

Could You Have Bad Personal Credit Without Knowing It?

Having bad credit is not a good thing in a world that relies so much on credit scores. But could you have bad personal credit without even knowing it? This is a growing concern as many institutions that use credit scores as judgement criteria are making those criteria more rigid. A good credit score is more important than ever, and if you have a poor credit score then you could be facing some problems. [Read more]

How Your Business Credit Could Affect Your Personal Credit And How To Protect Yourself

You know to keep your finances separate. Business expenses should be kept on business accounts and personal expenses should be kept on personal accounts. You know better than to co-mingle your finances and doing that protects you from having your business credit affect your personal credit. [Read more]

Credit Reporting Rules Are Changing

The word “credit” is being tossed around constantly these days, and it has everything to do with the recent credit crunch and new legislation regarding credit cards. The Credit CARD Act of 2009 has a lot of provisions regarding what credit card companies are going to be allowed to do in the future, but there is also a sneaky little addendum regarding credit reports. [Read more]

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