Staying on top of your credit is extremely important in today’s day and age. Especially in a digital world where major companies are getting hacked left and right. If you’ve ever bought a home, applied for a credit card, or even signed up for auto insurance – it’s very likely your credit was used to approve or decline your application and determine your loan amount and interest rate. The plus side to our new digital lives is the ease at which it is to monitor your credit. Back in the old days everything had to be done by mail or fax, and you couldn’t get instant access to your credit information. Today you can, and oftentimes for free. Disputing items and fixing errors in your credit report have become a cinch, and just about everything you need to improve your credit score is at your fingertips. Below you’ll find some of our favorite offers, tips for improving your credit, and advice for protecting yourself from ID thieves. Identity theft is on the rise. Protect yourself today
Accessing your credit report from each of the three major credit bureaus is a reasonably simple process when you utilize the Annual Credit Report centralized website. In addition, each of the credit reporting agencies provides access more than once per year through different methods, all at no cost to you. In recent years, several alternatives […]
A fraud alert tells potential lenders that you suspect you’re a victim of fraud. If you attempt to buy a car, open a credit card account, or just increase the amount on an existing credit line, the fraud alert is there to ensure the lender double-checks your identity. Should an identity thief attempt to open […]
Receiving your free annual credit report is most easily accomplished by going through AnnualCreditReport.com – the central website put together by the Federal Trade Commission and the three major credit reporting agencies, Equifax, Experian, and TransUnion. The process is simple, whether it is done online, by phone, or through the mail, and does not carry […]
Identity theft has been a growing concern for consumers over the past decade, as more activities become Internet-based. Shopping, banking and applying for credit can all be done online, making it a challenge to fully protect yourself from the malicious intent of identity thieves. However, there are tools in place meant to protect you from […]
With the rapid influx of online businesses and the availability to do everyday tasks such as banking, shopping and investing through Internet-based platforms, there has been a rise in the occurrence of identity theft and financial fraud among consumers. It can be a challenge to fully protect your personal information online, but there are mechanisms […]
Checking your credit report periodically is a smart way to stay on top of your bigger financial picture. Your credit report details personal information, such as your name, date of birth, previous and current addresses, and employers, but more importantly, it lists out all of your credit history. Credit accounts, such as credit cards, auto […]
Credit reporting agencies and the businesses that report to them are responsible for maintaining accurate records. Unfortunately, the burden of proof still primarily relies on you, the consumer. The United States Federal Trade Commission recommends checking your credit report on a regular basis to spot and report errors.
The three major credit bureaus in the United States are Equifax, Experian and TransUnion. There are several likely reasons why you might need to contact one of these companies, but they sure don’t make it easy to get in touch with someone on the telephone.
For better or worse, your credit score plays a significant role in your financial life. Not only do lenders like mortgage companies, credit card issuers and personal loan providers take a peek at your credit score, employers, insurance companies, and landlords also want to know as much as possible about your financial credibility. The credit […]
Maintaining a strong credit history and score is the foundation of a healthy financial life, but for millions of Americans, keeping credit in check in easier said than done. A money misstep, like a missed payment or an account that made its way to collections, can happen to anyone, and it is necessary to work […]