How To Understand Your Credit Report »

Pin ItThere are three major credit reporting agencies that issue consumer credit reports and these are Equifax, Experian, and TransUnion. Each agency works independently and does its own credit monitoring so the report you get from Experian may be a little different from the report you get from Equifax or TransUnion. To ensure accurate reporting, [...]

Credit Repair Companies…Are they for real??? »

Pin ItWell the answer is yes…and no. Companies that claim they will erase all your past credit mistakes are generally not being 100% honest. You can’t erase your past, you can just make better choices in the future. All a credit repair company can do for you is dispute items on your credit report…and to [...]

Freecreditscore.com …More than just a catchy jingle! »

Pin ItI LOVE their commercials. That jingle sticks in my head…. I just wish I had really HEARD its message and not just hummed along w/ the jaunty tune. I constantly tell clients if they are going to apply for a loan, lease or credit card to first make sure they have pulled their most [...]

How to Prevent Identity Theft in 8 Ways? »

Pin ItHave you been pursued by your lenders to pay for past-due bills that you never made? Or have you been denied credit because of unpaid bills on your credit report even if you know you have been paying your debts religiously? Then you might have been a victim identity theft. According to a survey [...]