Be careful, its Christmas morning time for ID Thieves. This is the only time of year many people have their most important Identifier sitting unprotected in their mail boxes. What’s this valuable Identifier? It is your Social Security Number…
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Let’s face it, the recent mortgage and housing crisis has left millions of potential home buyers with bad credit. Buying a home with bad credit often leads to new credit headaches, that at times can lead to legal issues. Many consumers seek out risky…
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Freezing your credit is an option provided by the 3 major credit reporting agencies, Equifax, Experian and Trans Union. When you freeze your credit report you basically lock any future creditors from accessing your credit. When applying for credit…
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This is a question I’ve been asked quite a few times this Christmas season so I decided to post some information on this subject…
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I recently spoke to a young lady who learned a very expensive lesson which could have easily been avoided. Be careful you never fall victim by learning from her mistake…
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It seems you can’t watch the news these days without hearing about some sort of fraud. Fraud comes in many different shapes and sizes. One of the more common fraud stories of late is consumer data breeches. A consumer data breech is when an outsider gets unauthorized…
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Millions of consumers who want to buy homes have less than perfect credit and they often want to know if there is way they can take advantage of today’s low interest rates and buy a home. The quick answer is it depends…
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I recently wrote about some benefits gained by using credit cards instead of using cash during Christmas shopping. One additional caveat to take into consideration is exactly how safe using your plastic instead of cash is…
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We often hear about how Id Theft Prevention tools protect consumers’ credit report and scores. I recently spoke to a consumer who experienced the exact opposite…
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I recently received this question from a recent college graduate. With over 20 million consumers owing more than a combined Trillion dollars ($1,000,000,000,000 if my math is correct) this question comes up a good bit.
Any missed student loan payment falls into one of two credit scoring categories. If the defaulted payment is 60 days late or less, it is considered a minor credit delinquency…
