How To Dispute Your Credit Report Errors
Your credit report contains important information about you. It generally includes facts about your identification data, your bill-paying habits, inquiries and public record information.Credit bureaus compile and sell your credit information to businesses, which use it to evaluate your credit ... more...

Is the Credit Repair Business a Scam or Solution?
Despite the massive efforts of the credit reporting agencies to convince you otherwise, there are many credit repair companies that are no different than most other services. Like all industries, less-than-honest companies do exist and are damaging to their clients and to the credit repair industry ... more...

Identity Theft Explained
What is identity theft?Identity theft is when someone without your permission fraudulently receives and uses your sensitive information.Is identity theft a criminal offence?Identity theft is a serious criminal offence. When someone commits an identity theft by using your name and credit record it ... more...

Stop Struggling Because Of Poor Credit And Improve Credit Rating Now
Did you apply for a personal loan only to be turned down by a bank or lending institution? Like most people there is always a need to borrow money to buy a car or to renovate a home or even to get a student loan. There are many reasons why people need a loan and lenders turn people down from a ... more...

Are You at Risk for Identity Theft? Learn How to Protect Yourself
Identity Theft is Americas fastest growing type of robbery. There have been an estimated 9.9 million victims on America and over 40% of all consumer complaints in the U.S. involve identity theft. About half of the victims do not know how the thief obtained their personal information. The Boston ... more...

Trying to Land a Job? Poor Credit Scores May Hurt Your Chances
Many employers are now looking at an applicant's credit report for hiring purposes. During an interview process a potential employer may request your written consent to access your credit report. A credit report is essentially your credit history created by CRAs (also known as credit bureaus). ... more...

Errors on Your Credit Report: What You Should Do
There are times when you may be turned down for credit and you do not understand why. According to the Fair Credit Reporting Act you are entitled to a free copy of your credit report if you have been denied credit because of negative items on your credit report within 60 days of the request for ... more...

How to Read an Equifax Credit Report
The Fair Credit Reporting Act (FCRA) requires each of the Nationwide Consumer Reporting organizations (Equifax, TransUnion and Experian) to provide you with one free credit report every 12 months per your request. This means that you are entitled to three free credit reports per year, if you deem ... more...

Your Credit Rating and How To Check It
There is a lot of confusion surrounding UK credit ratings, credit scores, credit blacklists, credit reports, and credit files. This guide to your credit rating aims to give you the facts you need.What's in a Credit FileThere are two major credit reference agencies in the UK, Equifax and Experian, ... more...