Credit Report

IRS Releases the Dirty Dozen Tax Scams for 2012

IR-2012-23, Feb. 16, 2012 WASHINGTON –– The Internal Revenue Service today issued its annual “Dirty Dozen” ranking of tax scams, reminding taxpayers to use caution during tax season to protect themselves against a wide range of schemes ranging from identity theft to return preparer fraud. The Dirty Dozen listing, compiled by...

Posted on December 23, 2016

Is Your Credit Score Part of the 50%? Take a Look

How does your credit score rate? In a recent report compiled and released by Experian, the average U.S. consumer’s VantageScore is 749 (Experian Information Solutions, Inc., 2011). That is on a scale of 501 – 990, with higher scores indicating better credit (see scale breakdown below). A = 900 – 990...

Posted on December 23, 2016

Marriage - Love and Debt

What happens to your credit when you get married? If your spouse has good credit, does that help yours? If your spouse has bad credit does that negatively impact you? These are questions that I often hear when I am out teaching classes. The answer is pretty straightforward; however...

Posted on December 23, 2016

Review your Employment Report!

What Does Your Employment Record Show?

Posted on December 23, 2016

Refused a loan or a job? check your credit report

Refused a loan or a job? check your credit report

Posted on December 23, 2016

CREDIT REPORT REVIEW CHECK LIST

Many people tell us they pull their credit report, but are not sure what they should be looking for when they review it. This checklist is designed to help you identify and review the most important areas of your credit report. Are your name and any other “known as” names...

Posted on December 23, 2016

Credit Scores Become Even More Mysterious

On Tuesday, the Consumer Protection Bureau (CPB)  [1] released the results of a study on credit scores. What they found makes credit scores even more confusing than we already believed. According to the study, the credit score you receive from the national credit bureaus (Experian, Equifax, and TransUnion) will not...

Posted on December 23, 2016

Get Your Credit Score - Coming Soon!

Earlier this year we brought you the news of the new Risk-Based Pricing Rule which requires creditors to disclose your credit score to you when that score is used in setting or adjusting credit terms, or to deny you credit. Now the Federal Trade Commission and the Federal Reserve...

Posted on December 23, 2016

Are You Hurting Your Child's Credit? Get the Report

I have been getting a lot of questions lately regarding what to do if you suspect your minor child’s identity is being used to obtain credit. With the credit tightening and job losses we’ve experienced over the last three years, many people have become desperate when trying to turn...

Posted on December 23, 2016

Top Ten Ways to Save Your Credit!

1. Put down the card! Unless you really will pay that credit card purchase off before the next statement, don’t use it! 2. Send in the payment. Pay all of your bills on time and if you cannot, contact the creditor to make arrangements. Avoid having debts sent to collections. 3....

Posted on December 23, 2016