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Identity Theft Archive for 2009

  • Understanding the Credit Score Scale

    by Ruth Racey

    The credit score scale that is based upon the FICO scoring system ranges from 300 to 850, with 300 being the lowest value and 850 being the highest value. Each consumer must strive to reach a FICO score of at least 750 to be considered as a good borrower. … (more) October 2, 2009

  • Preparing for Identity Theft Battles

    by Ruth Racey

    Millions of transactions are made over the net everyday. With it, the problem of identity theft has become a nightmare for people who use the internet as their principal method of communication. This problem is made worse by the fact that there are currently no effective safeguards against this crime … (more) October 1, 2009

  • Credit Report Problems: Filing Disputes

    by Ruth Racey

    There are times when you get a credit report with entries that are obviously incorrect. An incorrect entry in your report is not something you can just dismiss since they can have a negative impact on your credit score. Fortunately, you can dispute credit report problems by going to the … (more) September 20, 2009

  • Disputing your credit report to protect your credit score

    by Ruth Racey

    It is not unusual for people to dispute the validity of their credit scores. Under the Fair Credit Reporting Act contained in 15 United States Code Section 1681, there are three conditions in which you can dispute credit scores issued by credit bureaus. These three conditions would be if the … (more) September 20, 2009

  • What You Can Do to Obtain Good Credit Score

    by Ruth Racey

    A credit score of 700 is considered good enough. Most people, 60% according to the latest survey, have 700 and above credit scores. At this level most lending institutions are willing to grant loans with lenient terms like low interest rates and shorter payment timeframes. Obtaining a 700 credit … (more) September 20, 2009