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.
Don’t let medical debt unknown to you sit on your credit reports, there are steps you can take to have the negative marks deleted.
Improving your credit score may be easier than you think. Some problems can be quickly fixed to get an immediate increase in credit scores.
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.
Negative re-aging occurs if a collection agency changes the delinquency status of an account to fool the credit bureaus into thinking it’s more recent than it really is. It’s illegal to extend the 7.5 years a negative can remain on credit reports. Hi Lisa, I love your web page. I am concerned. I have 1-2…
Access to private financial information in consumer credit reports is increasing. Your private information is being bundled and sold to almost any entity who claims to have a legitimate purpose. Such access to your credit report is determined by the Fair Credit Reporting Act (FCRA) which states a company must have a legitimate purpose to…
You have the right to see what credit information exists about you. Don’t be in the dark when it comes to knowing the information in your credit reports.