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Identity Theft Archive for 2009

  • Analyzing Your Credit Chart and Credit Score

    by Ruth Racey

    In order to build a good credit history, it is important to understand how your credit score is calculated. The FICO score is the three digit figure in your credit report to which potential lenders and insurers can base their decision to approve your credit application. To better understand how … (more) September 20, 2009

  • The Other Perks of Having a Clean Credit Report

    by Ruth Racey

    The most obvious reason for keeping a credit record clean is to have a chance of being extended credit and loan options. For many Americans, having a good credit history means getting a better opportunity to apply for car loans, mortgages, and even new credit cards. Maintaining a clean credit … (more) September 20, 2009

  • Settling Collection Accounts in a Credit Report

    by Ruth Racey

    For a cardholder struggling with poor credit ratings and tarnished credit scores, nothing could be worse than a collection account in a credit report. But what exactly is a collection account? Well, basically, these are records of a previous creditor giving up on collecting a debt from the consumer. Lenders … (more) September 20, 2009

  • Securing Personal Data when Getting a Credit Report

    by Ruth Racey

    Credit reports are essential for banks, card issuers, and lenders to determine the credit worthiness of an applicant. These reports contain valuable information about a consumer’s financial standing and spending habits. Credit reports essentially contain everything that companies are looking for whenever potential clients apply for car loans and mortgages. … (more) September 20, 2009

  • Repairing Bad Credit Reports

    by Ruth Racey

    A credit report is essentially one of the ultimate basis used by credit card companies and lenders. By reviewing a potential client’s credit history, a firm can assess the financial capability of the applicant to make payments. Conversely, bad credit reports can ruin the chances of a consumer trying to … (more) September 20, 2009