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  • CFPB plans to enhance the process of credit reporting

    by Brian Anderson
    CFPB plans to enhance the process of credit reporting

    As per the stipulations of the FCRA (Fair Credit Reporting Act) every customers in the country can obtain one complimentary credit report every year from Experian, TransUnion or Equifax which are the three main credit bureaus in the country. One of the main drawbacks at the moment is that this credit report does not mention current credit score of consumers. Consumer Union’s senior policy counsel, Pamela Banks, says that the union strongly encourages the move for consumers to get at … (more) February 28, 2012

  • Poll Reveals Concerns over Unemployment, Debts

    by Sally Maison
    Poll Reveals Concerns over Unemployment, Debts

    Before Recession hit the country in 2007, credit score seemed to be no more than a term exclusively used in the lending industry. However, now, credit scores and debt levels have become a major concern for millions of Americans, especially for the unemployed. A recent poll reveals that this recession is causing more worries and stress over individuals who have suffered job loss. In a joint poll by New York Times and CBS, only 24 percent of Americans who are … (more) January 14, 2010

Credit Score Tips

Repairing a damaged credit score isn’t like an error done with a pencil; is an eraser, put in the right answer then errors are corrected. With a credit score, you have to invest money, effort and time. And the worse thing about a real poor credit score is that it takes years before you can have your score as good as new again. In America alone, a large percent of consumers have felt a sudden drop in their credit scores … (more) November 15, 2010

Credit Score Advice

When you feel like all the opportunities for you to improve your lifestyle like having a new house and a car, going to Universities and would like to apply for a credit card was being declined due to a low credit score, isn’t it time to fix your credit score? One of the reasons why a credit score is important in purchasing and running it under lenders is that they based it on how credible you are to make payments. … (more) December 1, 2010