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Identity Theft Archive for 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

  • Freezing Your Free Credit Report – The Perks and Quirks

    by Ruth Racey

    Identity theft is not an extraordinary thing these days – thousands of Americans have become victim of this unfortunate crime. Fortunately, there are certain things that we can do to further protect ourselves from infiltrators and scammers who are out to make thousands of dollars’ worth of purchases all on … (more) September 4, 2009

  • Disputable Errors in Your Free Credit Report

    by Ruth Racey

    Just a few days before, you were thrilled to find the perfect means of obtaining a free credit report. You immediately registered to get that freebie but then when you receive the report, you find out that it contains a lot of errors! Shocking? Not really, for statistics show that … (more) September 4, 2009

  • Dealing with Faulty Credit Reports

    by Ruth Racey

    Millions of Americans having multiple credit cards at their disposal making the task of monitoring the spending habits and behaviors of millions of consumers strenuous. To add to this situation, the federal government only authorizes three major credit bureaus, Experian, Equifax, and TransUnion to provide reliable credit history and scores … (more) September 4, 2009