Monthly Archives: December 2011

Lots of Americans would be stunned to know that they are allowed to get a copy of their credit report absolutely free from each of the main credit reporting agencies once per year. Previously, TransUnion, Equifax and Experian would charge up to $9.50 for each copy of your credit report. If you search for credit … Continue reading

Whether you like it or not, you’re constantly being watched. Every time you use your credit card, apply for a cell phone, open up a bank account, someone is keeping track of all this information. Someone is watching you, keeping all that information on hand, waiting to tell anyone who asks whether or not you … Continue reading

The credit report represents a consumer’s financial report card. Lenders, creditors, employers, and even landlords are increasingly looking at credit reports as a measure of one’s financial responsibility, and they are using it to make critical financial decisions that can have major implications to lenders. However, it’s a dirty secret amongst the industry that credit reports … Continue reading

There are dozens of different commercials airing daily on TV promising consumers easy ways to repair their credit fast. Surprise surprise, most of these commercials are nothing but blatant lies, and will quickly take thousands of dollars away from you while offering little value in return. Did you know that you could do everything that … Continue reading

As consumers are becoming increasingly more knowledgeable about their own finances, the topic of credit scores and credit ratings frequently comes up in discussion. In today’s credit-driven society, it’s arguable that nothing is more important than your credit rating – this three digit number is supposed to be a numerical representation of how credit worthy … Continue reading

As credit becomes increasingly more difficult to come by, more Americans are becoming concerned with their credit rating. It’s hard to watch a single day’s worth of television without hearing ads for free credit scores, or services that will monitor credit reports. While credit scores and credit reports share some similarities, they are not the … Continue reading

Many consumers simply don’t realize just how important their credit rating is – a good (or bad) credit rating can directly impact your ability to get many different types of loans (house, automobile, student), cause your interest rate to skyrocket, or even lower your chances of getting that killer job or that fantastic apartment. As … Continue reading

Do you have credit card debt?  Are you paying the minimum payment every month?  If so, you have probably realized this won’t get you anywhere fast with your credit card debt. Do you pay more than the minimum payment on each card each month, hoping it will eventually add up to enough and you’ll be … Continue reading