Fixing Your Credit Score Doesn't Have to Cost You
Credit repair advertisements claim to guarantee a quick fix on your credit report. They promise for a fee (not always disclosed at first) to clean up your credit history so that you can qualify for a new home, car, insurance, a job, or premium credit cards. Before you sign up with one of these ... more...

Identity Theft - Is Your Business At Risk?
More and more business owners are purchasing document shredders then ever before.Why?... Identity theft for starters.A new law is going into effect in the summer of 2005 which states that if you employ anyone for any reason and have personal information on file regarding that individual for Social ... more...

Credit Report Check Yours Regularly - and for Free
In the twenty-first century, there are few documents that have a greater impact on the lives of Americans then their credit report. Credit rating determines ones ability to buy a home, a car, or to obtain a credit card or a job. Since these things are important, it is equally important that the ... more...

Credit Reporting Agencies
Credit reporting agencies maintain electronic records of your credit activities. Today, there are three major national credit bureaus: Equifax, Experian and Trans Union. If you are planning on applying for a loan or credit anytime in the near future, it's a good idea to obtain a copy of your credit ... more...

Making Sense of the Information in Your Credit Report
If you've ever applied for a credit card or loan, youve probably had your credit report reviewed by the lender. Your credit report has a huge impact on your financial future, so its well worth your time to be sure that you understand what your credit report says about you.Even if youre not ... more...

5 Tips to Improve Your Credit Score
Boosting your credit score can save you money. Your credit score is a number based on how well you pay back loans on time, sometimes called a FICO score. The higher the score, the less risky you are. The 3 players are Experian, Equifax and TransUnion.Your goal is to get above 620. Thats the ... more...

Why Your Credit Score Matters
Among the many innovations that emerged after World War II, credit use has become a major factor in our entire economic profile. As a result, your credit rating is the most important factor in determining your credit APR when you apply for any type of credit: credit cards, 0% APR transfer offers as ... more...

Trying to Land a Job? Poor Credit Scores May Hurt Your Chances
Many employers are now looking at an applicant's credit report for hiring purposes. During an interview process a potential employer may request your written consent to access your credit report. A credit report is essentially your credit history created by CRAs (also known as credit bureaus). ... more...

Clean Credit Report: Easily Raise Your Credit Score 100 points
Clean Credit Reports, your credit report contains information about where you work, live and how you pay your bills (On time or not). It also may show whether you've been sued, arrested or have filed for bankruptcy with in the last 10 years. Companies called consumer reporting agencies (cra) or ... more...