As the Equifax data breach looms over millions of consumers, there are other scams to protect your credit files from and ways to freeze your credit reports for free.
Shopping for a car loan can result in multiple credit inquiries from various lenders but the inquiries should only count as ONE against your credit scores.
Disputing negative credit can get downright dirty. If you prefer leaving old negatives alone there are ways to pad your credit report with positive information.
How to get your credit reports for free from the 3 major bureaus.
Improving your credit score may be easier than you think. Some problems can be quickly fixed to get an immediate increase in credit scores.
Once a bankruptcy is filed it is almost impossible to un-ring the bell. Even if the debt is paid, a dismissed Chapter 13 can stay on reports for 10 years.
Specialty consumer reporting agencies like the one that keeps track of store returns or employee screening, must provide a free report every 12 months upon your request.