Credit Repair Secrets * Free Credit Repair * Credit Report Score * Credit Dispute Letter

Cases of identity theft and credit card fraud are alarming and we all want to be protected from them. The FTC advises all consumers to be more aware about the status of their credit report as this can make a big difference in keeping track of possible identity theft or fraud.

In the past years, various methods of credit scoring were used to calculate individual credit score. It used to be that credit score was mostly determined by the number of credit cards owned, the frequency of credit card charges, and the cardholder’s capability to pay off these charges. Consequently, those who do not own credit cards may be regarded as a poor candidate for credit. As a result, people who cannot qualify for loans may have little choice but to seek out subprime lenders.