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Identity Theft Archive for September, 2009

  • Requesting a Credit Report for Special Situations

    by Ruth Racey

    By law, Americans are entitled to receive a copy of their credit report once a year from any of the three credit agencies. Cardholders, however, have to file a request with the credit bureaus authorized by the federal government to collect information and issue reports. The three major credit agencies … (more) September 20, 2009

  • How to Get Free Credit Reports

    by Ruth Racey

    Credit card companies, banks, and even potential employers rely on information found in Americans’ credit records. For them, an individual’s credit history will reveal the financial skills of a job applicant or a client. Sadly, not everyone in the U.S. realize the importance of monitoring their credit histories. In fact, … (more) September 20, 2009

  • Credit Reports as a Valuable Tool against Fraud

    by Ruth Racey

    Credit cards have undoubtedly changed the landscape of the nation’s economy. Because of the plastic revolution, Americans are able to purchase almost anything they desire. For economists, the logic is quite simple. More spending means more demand for more products and services. A greater demand for products and services would … (more) September 20, 2009

  • Understanding the Credit Scoring System

    by Ruth Racey

    Financial experts recommend building an early credit history. Some people apply for multiple credit cards thinking that having several accounts in their name would make a good impression. However, lenders do not judge an individual’s credit worthiness based on the number of accounts he/she was able to open. A potential … (more) September 4, 2009

  • The Logic behind Free Credit Reports

    by Ruth Racey

    Any American who has felt the sting of having a bad credit history knows the value of a reliable credit report. Having a well-maintained credit score could mean the difference between continuous credit and rejected applications. Even the federal government knows the importance of an accurate credit report to cardholders … (more) September 4, 2009