How Does Credit History Affect Car Insurance Rates?
Many personal car insurance companies consider your credit information when determining how much premium to charge for your insurance. So if you are calling around for new car insurance, keep in mind that many insurers are looking at your credit history to determine your car insurance rates. I hope ... more...

Bad Credit Repair
Building your credit after repeated interruptions is a constant headache we all want to avoid. In this article I am going to break it on down for you, since there are many sources that will take full advantage of you when the opportunity arise. If you feel bad simply because you cant meet your ... more...

Understanding How Your Credit History May Affect Your Car Insurance Coverage
Many personal auto insurance companies consider your credit information when determining how much premium to charge for your insurance. So if you are calling around for new insurance, keep in mind that many insurers are looking at your credit history. I hope that we will be able to let you know why ... more...

Common Credit Score Myths
A lot of credit score myths about fico score ratings get spread around and some of them are just outdated information. Sometimes even lenders can give you the wrong advice and it can get confusing. But the bottom line is bad information can cost you money no matter who you get it from.Fico score ... more...

How to Read an Experian Credit Report
The Fair Credit Reporting Act (FCRA) requires each of the Nationwide Consumer Reporting organizations (Equifax, TransUnion and Experian) to provide you with one free credit report every 12 months per your request. This means that you are entitled to three free credit reports per year, if you deem ... more...

What is a Credit Report
This article is a concise, informative tell-all explaining what exactly a credit report is, and what that means to you. It will NOT inform you where to get a cheap, or free, credit report. Rather, this article will explain what types of credit reports are available, and why they are used.A credit ... more...

Make Sure Your Credit Report Works For You
You just filled out a mountain of loan application forms. Now, you wait for a call from the loan officer. You feel confident; loan applications have never been a problem for you. The phone rings and your loan officer says, there's a problem with your credit report. Your frustration increases ... more...

Why Consumers Need a Nationwide Credit Freeze NOW
What do a shoe retailer, an online discount broker, and a popular clothing retailer all have in common? All three - DSW Shoe Warehouse, Ameritrade, and Polo Ralph Lauren - sustained breaches to their customers accounts. Unfortunately, these three are not alone when it comes to security breaches. ... more...

How to Read a TransUnion Credit Report
The Fair Credit Reporting Act (FCRA) requires each of the Nationwide Consumer Reporting organizations (Equifax, TransUnion and Experian) to provide you with one free credit report every 12 months per your request. This means that you are entitled to three free credit reports per year, if you deem ... more...

Establishing Credit
Establishing credit is very important. Whether you have previously had a good credit standing and lost it, or you are just beginning to accumulate credit and establish a credit rating, a few standard concepts will help you establish a good credit rating.The principle way that a lending agency ... more...

Does It Matter Whether You Have Good or Bad Credit?
This is a very hot topic of discussion in the world of credit cards. It starts with what leads to a good or a bad credit and goes on to talk about the importance of good/bad credit.Have you been defaulting on your credit card payments thinking that it doesn't matter much? Well you haven't been ... more...

Your Credit Score: Make the Numbers Work For You
Your credit file is all about how you borrow money. Using a formula, credit agencies rate how well you pay back that money. Your credit score tells loan officers how you manage the credit offered to you. Your score tabulates:* Your credit payment history: Did you make any late payments? How often? ... more...