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Checking Accounts

There are many credit reporting companies in the United States. While you would not believe it, many organizations that allow you to do your own research, are actively helping people report their credit card debts to their credit bureaus. While the best way to determine if a credit reporting company is legit is to go […]

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Online Identity Theft Solutions

Are you a victim of online identity theft? You may be wondering what sort of fraud someone can commit on your behalf, and what steps you need to take to protect yourself, including: What type of fraudulent information information to contact There are many ways to report a fraud, but one of the best methods […]

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Identity theft and identity fraud solutions

In recent years, many financial institutions and other companies have begun offering customers identity protection services. What such services may not offer, many consumers do not realize, is that these services also protect the identity of the person they provide protection for. Although identity theft and identity fraud have become less common, they still occur […]

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Credit Reporting Solutions

If you’ve ever wondered what information could be on your credit report if you are found to be in default of your payments in a time or a circumstance – then you should know what could be on your report. Even if you got denied a credit card, loan, or other loan because you failed […]

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Identity Theft: Why Credit Card Theft Is Illegal

The main purpose behind identity theft is to obtain credit and other financial information instantly. While this is also a legitimate purpose, credit card companies and institutions often make use of it to make quick cash and other items easier to obtain. Most banks and financial institutions will not grant you credit in spite of […]

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Pay-Per-Watch vs. a Bill-Sign / College Credit vs. Personal Credit Bank

You may be wondering whether ‘Credit Reporting’ is an acceptable and only acceptable way to clean your credit report, and for what it is, there really isn’t anything wrong with credit reporting a certain way but it should not stop you from owning your own home or getting a loan to buy a house or […]

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Getting Your Free Credit Report

Since the Internet and the telephone have made obtaining and using your credit line so easy, it is important to keep up-to-date with a free credit report. Your credit report is important in many ways. It provides lenders with information not just about your financial health but also in regards to how you are paying […]

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What are your FICO credit cards?

The Federal Trade Commission (FTC) will soon issue guidance to consumers on what are considered to be your FICO credit cards. This guidance is designed to enhance consumers’ understanding of FICO (Fair Isaac Company, the company that created the FICO algorithm), credit scores, the FICO criteria used in calculating FICO credit scores, the information on […]

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Checking Credit for Your Bad Credit

If you have bad credit, you may be subjected to interest charges, including late charges. For instance, if you are looking for a house loan or a car loan, you may not find that interest is being charged on your credit report. Although there is no one federal law mandated to prevent consumers from being […]

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Identity Theft – What You Should Know

When someone files an identity theft alert on your credit report, they are sending one very clear message: there is no such thing as “everyone’s name is on Chip” items attached. The credit industry is also aware of the problems that credit reporting companies have identified with their products. Here are some of the things […]