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Identity Theft Archive for 2009

  • Actions to take in case of a bank error in credit reporting

    by Ruth Racey

    The banking business is all about loaning or lending money to bank clients. All banks want to be paid promptly, so they make sure and report any credit items once they are found. This is one major reason for the creation of the credit report industry. It aims to help … (more) November 6, 2009

  • Why Reach for a Credit Score of 700 and More

    by Ruth Racey

    Financial advisers suggest consumers to work on building a good credit score.  However, what is considered as a good credit score?  To answer this question effectively, we would need to take a closer look at how credit scores are calculated.  The three major credit reporting agencies (Experian, Equifax, TransUnion) use … (more) November 5, 2009

  • What Your Credit Score Really Means

    by Ruth Racey

    Some people have the notion that their credit score depends on their credit card purchases or on the number of cards they own.  The truth is that your score is the evaluation of your credit worthiness in numbers.  This three-digit number is not just about how much you spend or … (more) November 4, 2009

  • What You Can Learn from the Credit Scoring System

    by Ruth Racey

    You were excited about buying the home of your dreams and you were almost certain that you can get that house loan without any problem.  You have found the right lender and prepared all necessary documents to submit with the loan application.  You have excellent references to back you up, … (more) November 3, 2009

  • Practical Tips in Enhancing Your Credit Score

    by Ruth Racey

    People with higher credit scores are priorities when it comes to obtaining loans.  Understandably, a lending company would prefer a customer with a higher credit rating than one with bad credit.  Thus, if you have a plan to apply for a loan, it would be wise to first check your … (more) November 2, 2009