Time for you to take charge of your credit score! Most people think that there is magic formula to repair their credit score but there’s none. The truth is, you need to be honest with yourself if your aim is to get a better score. There are many excuses to pass the blame when it comes to your credit problems, ...
Read More »As cases of stolen identity continues to grow, more and more people are becoming aware of the need to protect their personal information. In the past years, people who suspect identity theft or fraud put their credit reports on fraud alert. Today however, there is a new way to protect one’s credit report against unauthorized access and that is a credit freeze.
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The Fair Credit Reporting Act (FCRA) has been created to protect the rights of consumers. Are you aware of the stipulations of the FCRA? Understanding your privileges and limits can help you avoid bad credit or improve your personal credit. In this article, let’s take a closer look at some of these stipulations.
Read More »In 2005, an estimated 8.3 million people have been victims of identity theft. This staggering report was by the Federal Trade Commission (FTC). From these cases, about half has caused damages amounting from $500 to as much as $6,000.
Read More »Debt consolidation is a great option for people who are confronted with debt problem. Nevertheless, some people may be hesitant to consolidate their debts thinking that it is a scary process which can worsen their situation. In this article, we will be clearing up facts about debt consolidation and how you can use it to your advantage.
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