You know that your credit score is based on information in your credit history. However, few people wonder how it gets there. The answer is relatively simple: Your creditors report information about you to the credit bureaus. When you pay on time, or if you are late, your lenders report that information. Your entire credit […]
Knowing what’s actually on your credit report is crucial: not only do potential lenders check it before deciding whether you should get a car loan or a mortgage, but it can be one of the fastest ways to find out if you’ve been the victim of identity theft. You can request a copy of your […]
Identity theft is one of the biggest concerns we have today. When your wallet or purse is stolen, it’s about more than losing the credit card or cash you have; your entire financial well-being is at risk unless you move fast. Here is what you need to do if your wallet or purse is stolen:
While many individuals seek to save money where possible, budget effectively and build a significant emergency fund, others are not so fortunate in their financial circumstances. Whether as a result of the significant rises in unemployment or the poor state of the property market, some individuals are experiencing considerable financial difficulty. Debt has an inherent […]
Warning: Only read this if you are in “goofing off” mode. You may also want to ignore this post (along with your FICO score of course) if you just got yelled at by your boss. Everyone ignores their FICO scores anyway so why don’t you as well? Here are the reasons why I believe you […]
The Fair Credit Reporting Act entitles everyone to access credit reports from each of the three credit agencies – Experian, Equifax and TransUnion every 12 months. While there are tons of places that offer free credit reports for a free trial of their service, the only federally authorized source to offer free reports with no […]
