7 Tips on Preventing Identity Theft

In the course of the day, you do many activities that put your personal information at risk - from writing a check at the store to charging merchandise in person or over the phone. You may not think twice about these transactions, but others might. Identity theft - when a perpetrator assumes someone's identity for... Continue Reading →

When Credit History Labelled As Being “Adverse”?

Adverse Credit If you are a borrower with a history of unsatisfactory credit transactions, the lenders will describe your credit history as “adverse”. The expressions “poor credit”, “bad credit” and “sub-prime” all describe exactly the same situation. This leads to a number of questions; what credit information is collected about you, where does it come... Continue Reading →

11 Tips To Improve Your Credit Reports

Credit is something that some take lightly or give little thought to until it’s really needed. There are 11 things that you can do to improve your credit reports to make sure it is always in good standing so it will be available when needed. Paying Your Bills Pay your bills on time. A consistent history... Continue Reading →

Credit Bureaus, Who Are They, Really?

Credit Bureaus, Who Are They, Really? Credit bureaus sell credit reports to credit grantors, such as banks, finance companies, and retailers. Additionally, credit bureaus will sell credit reports to potential employers, landlords and insurance companies. Businesses and Credit grantors use credit reports to determine creditworthiness. There are three major companies that are in the business... Continue Reading →

Understanding Credit Scores for Home-buying

Understanding Credit Scores for Home-buying If you are applying for a mortgage, you're going to have to deal with credit scores. Here's a primer on credit scores and methods for improving them. Step one in the process is making sure that you have a current copy of your credit report. Congress recently amended the Fair... Continue Reading →

Do You Have Credit Challenges?

Do You Have Credit Challenges? More than 30 million have credit problems cause by everything from late payments to bankruptcy. The American Bankruptcy Institute reports that, “The number of bankruptcy cases filed in the 12-month period ending September 30, 2005, totaled a record 1,782,643.” Whether it’s brought on by personal illness, the loss of a... Continue Reading →

Tell Me More About Credit Repair

Tell Me More About Credit Repair So you want to know more about credit repair, do you? If you’re already searching for information about credit repair even when there’s no need for it yet then that’s great. The wheel of life turns as it pleases so we can never be sure that we’ll always remain... Continue Reading →

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