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  • Credit Report Freeze a Recommended Protection

    by Faye Mergel
    Credit Report Freeze a Recommended Protection

    Identity theft investigators say that freezing one’s credit report is an excellent way in protecting identity from scammers. Experts note that cases of identity theft are rising on double digit percentage each year, making it America’s fastest growing crime. They advise consumers to freeze their accounts right away after noticing fraudulent items in their credit reports. An independent research firm’s study reveals that cases of identity theft in the United States have rise by 22 percent from 2007 to 2008. … (more) October 8, 2009

  • Counseling: How It Affects Your Credit Report

    by Faye Mergel
    Counseling: How It Affects Your Credit Report

    Creditors inform credit reporting agencies (CRAs) about debtors who participate in debt counseling programs. Joining in such programs can help consumers manage their debts better, but it adversely affects the creditworthiness of a person. Counseling involves teaching consumers how to manage present debts and how to avoid incurring more debts in the future. This is done by private individuals in exchange for a fee.  Counselors also help consumers pay off their debt through the solutions they provide. This solution is … (more) September 25, 2009

Credit Report Tips

As a consumer, you are faced with hundreds of different transactions, applications and deals per year. To cover for your expenses, credit cards are typically used to substitute for money. In case you can’t use cards and cash, you can use other payment options such as wire transfer. Completing transactions have become so much easier these days because of the internet. But whatever payment option you wish to use, there is one thing you need to know after all the … (more) October 28, 2011

Credit Report Advice

Thinking of checking your credit history but you have no idea how to get a copy? Well, here’s an article that can help you do just that! The passing of the Fair Credit Reporting Act (FCRA) has mandated credit bureaus to issue at least 1 free copy of a citizen’s credit report. This way, all consumers can fight identity theft, stay informed and get fair treatment from their creditors. Getting a free credit report is now as easy as a … (more) October 3, 2011