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Credit Reports and Scores

Best Credit Repair Companies Reviews
3 weeks ago

Best Credit Repair Companies Reviews

With so many scam credit repair services out there, it is hard to know which one is the best credit repair company. Will they really repair your credit? Are they …
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Best Credit Moves to Make in the New Year
2 months ago

Best Credit Moves to Make in the New Year

The beginning of the year is the perfect time to take stock of your finances to make sure you are on track for the year, especially after spending so much …
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LifeLock vs. IdentityForce: Which Is a Better Deal?
2 months ago

LifeLock vs. IdentityForce: Which Is a Better Deal?

It’s a fact that identity theft is a growing problem. According to the Federal Trade Commission, identity theft complaints have increased by 47 percent since 2014. One of the biggest …
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Identity Guard Review
4 months ago

Identity Guard Review

Identity Guard offers one of the most comprehensive identity theft protection services available today, which makes it a great choice for anyone looking for enhanced protection. You get all the …
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5 Ways to Help You Get Rid of Credit Card Debt for Good
4 months ago

5 Ways to Help You Get Rid of Credit Card Debt for Good

Credit card debt is something that can sneak up on you and then never go away. You can suddenly find yourself carrying one or more balances and only making minimum …
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The Personal Loans Handbook for Good or Bad Credit
4 months ago

The Personal Loans Handbook for Good or Bad Credit

Getting a personal loan can be a struggle, especially if you have bad credit. Even if you have good credit, finding a personal loan that fits your needs and won’t …
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Lexington Law Credit Repair Review

LEXINGTON LAW CREDIT REPAIR Sign Up

  • Price: Lexington Law Credit Repair actually has three different tiers of service, which cost $79.95/month, $99.95/month or $119.95/month, depending on the …
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What to Look for in a Credit Card if You Have Average Credit
8 months ago

What to Look for in a Credit Card if You Have Average Credit

According to credit reporting bureau Experian, the average credit score in the United States is 687, with the range of possible scores running from 330 to 830. If you …
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4 Ways to Up Your Credit Score Without a Credit Card
9 months ago

4 Ways to Up Your Credit Score Without a Credit Card

They say that money talks, but these days, it seems credit is more important than having plenty of cash at your disposal. Banks, lenders and many businesses are often …
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How a Credit Card Balance Can Affect Your Credit Score
9 months ago

How a Credit Card Balance Can Affect Your Credit Score

Credit scores are used as an indicator of your financial responsibility, and having a high score can mean being approved to rent an apartment, paying less interest on an auto …
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4 Things that Impact Your Credit Score the Most
10 months ago

4 Things that Impact Your Credit Score the Most

Most people find it difficult to get a competitive loan for a large purchase, such as a home, new furniture or a car unless they have an excellent credit score. …
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Best Ways to Negotiate a Better Credit Card Interest Rate
10 months ago

Best Ways to Negotiate a Better Credit Card Interest Rate

Lowering your credit card interest rate could save you hundreds or even thousands of dollars. If you owe $15,762, the average amount for a household in the United States, then …
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Quickest Ways to Fix Your Credit Score
11 months ago

Quickest Ways to Fix Your Credit Score

The majority of people don’t really think about their credit score. That is, they don’t think about it until it is time to buy a house or apply for a …
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What You Need to do to Build Credit
11 months ago

What You Need to do to Build Credit

Having good credit is important for everything from getting a home or car loan to renting an apartment or paying for cable television services. If you already have good credit, …
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How Credit Scoring Will Change in the Coming Years
12 months ago

How Credit Scoring Will Change in the Coming Years

There’s no doubt that consumers and government officials are more than ready to see changes in how credit scores are determined. In fact, a settlement in 2015 between New York …
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How Does a Balance Transfer Affect Your Credit Score?
1 year ago

How Does a Balance Transfer Affect Your Credit Score?

A balance transfer typically occurs when you transfer debt from one credit card onto another card with a lower interest rate. Even though such transfers do not reduce the amount …
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The Dangers of Being a Co-Signer
1 year ago

The Dangers of Being a Co-Signer

Sharing the benefits of your good credit may seem like an easy favor to do for someone you care about. After all, credit isn’t a finite resource, right? Unfortunately, co-signing …
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4 Credit Myths You Should Ignore
1 year ago

4 Credit Myths You Should Ignore

The state of your credit has a big effect on your ability to rent housing, qualify for insurance and get good interest rates on loans. Unfortunately, the importance of credit …
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How to Protect Your Identity When You Holiday Shop Online
1 year ago

How to Protect Your Identity When You Holiday Shop Online

Shopping online makes holiday shopping so much easier, but it also makes having your identity stolen easier as well. While new credit card security chips will make shopping in stores …
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The Pros and Cons of Identity Theft Protection
1 year ago

The Pros and Cons of Identity Theft Protection

Experiencing identity theft can be traumatic and financially painful. In the United States alone, an identity fraud occurs about once every two seconds, costing consumers and businesses billions in losses …
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4 Weird Ways Your Identity can be Stolen
2 years ago

4 Weird Ways Your Identity can be Stolen

Millions are hit with identity theft around the world each year, and most people are unaware just how many unusual ways their identities can actually be stolen. Unfortunately, these methods …
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Credit Repair Services vs. Repairing Your Own Credit
2 years ago

Credit Repair Services vs. Repairing Your Own Credit

Repairing your credit can be an uphill battle, but with the right strategy, it’s possible to improve your credit health over time. The big question is whether you want to …
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How Does Bankruptcy Impact Your Credit Score?
2 years ago

How Does Bankruptcy Impact Your Credit Score?

When consumers or businesses cannot repay their debts, they can enter into a federal court process meant to erase that debt or return the money under a bankruptcy court’s protection. …
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4 Best Ways to Build Your Credit from Scratch
2 years ago

4 Best Ways to Build Your Credit from Scratch

Credit and debt have become scary words. They conjure images of people drowning under student debt or fretting over credit card bills that have gotten out of hand. However, credit …
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Secured vs. Unsecured Credit Cards: What’s the Difference?
2 years ago

Secured vs. Unsecured Credit Cards: What’s the Difference?

Whether you’re new to the credit world or you’re rebuilding your score after a bankruptcy, it’s important to know the different types of credit cards available. Credit cards have a …
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Easy Fixes for a Not-Quite-High-Enough Credit Score
2 years ago

Easy Fixes for a Not-Quite-High-Enough Credit Score

It’s no secret that your credit score can have a significant impact on your life. Banks review it when you apply for a loan, landlords may check before approving you …
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What to do When Your Credit Score Hits ‘Good’ or ‘Excellent’
2 years ago

What to do When Your Credit Score Hits ‘Good’ or ‘Excellent’

It wasn’t easy, but your credit score just passed the 661 mark into “good” territory or the 781 mark into the “excellent” category. Congratulations, you’re now a credit score champion! …
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Credit Card Mistakes That Keep You From Getting a Mortgage
2 years ago

Credit Card Mistakes That Keep You From Getting a Mortgage

It doesn’t matter if you found the house of your dreams if you can’t nab the mortgage loan needed to buy it. Unfortunately, credit card mistakes can often lead to …
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4 Biggest Targets for Identity Theft
2 years ago

4 Biggest Targets for Identity Theft

Identity theft is a growing threat throughout the world. Thieves continue to create more advanced, sophisticated and unpredictable methods to steal valuable personal information. In 2012 alone, 16.6 million Americans …
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How to Get a Home Loan Without Great Credit
2 years ago

How to Get a Home Loan Without Great Credit

If you’re looking to obtain a home loan but your credit score is lower than you, or most lenders, would like, that doesn’t mean you have to forgo your dreams …
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New Credit Report Changes Will Affect Your Credit Score
2 years ago

New Credit Report Changes Will Affect Your Credit Score

New York Attorney General Eric Schneiderman and representatives from major credit reporting agencies Equifax, TransUnion, and Experian have concluded recent negotiations with some positive changes happening in the near future …
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4 Bad Credit Card Habits to Break
2 years ago

4 Bad Credit Card Habits to Break

Credit cards are a crucial tool in our financial lives and provide flexibility and protection when using today’s multi-channel payment options. A credit card track record establishes evidence of your …
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How to Improve Your Credit in 2015
2 years ago

How to Improve Your Credit in 2015

If raising your credit score in 2015 is one of your New Year’s resolutions, we can help. If you are just looking for a tune-up for your credit score, there …
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Should You Freeze Your Credit?
2 years ago

Should You Freeze Your Credit?

The idea of freezing credit is one that many consumers haven’t heard of, but it can be an extremely useful way to manage a credit rating and credit score. (If …
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How Do Student Loans Affect Your Credit Score
2 years ago

How Do Student Loans Affect Your Credit Score

Total student loan debt now tops $1.2 trillion, making the number of student loans exceeding even total consumer debt (which is at about $11.5 billion). Aggregate student debt increases as …
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Why to Check Your Credit Reports During the Holidays
2 years ago

Why to Check Your Credit Reports During the Holidays

You may be spending more money than you think this holiday season. The holidays are a time when identity theft skyrockets, due to so many people using their credit cards …
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5 Ways You Waste Money Without Knowing It

You try to be as conscious as possible when it comes to being thrifty, but even the most thrifty of us can be caught up in overspending. There is a …
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4 Tips To Keep Your Credit Score Healthy
2 years ago

4 Tips To Keep Your Credit Score Healthy

We all want to know the quick fixes to help raise our credit score, but there are ways to invest in your credit score’s health for the long term, so …
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5 Ways Credit Repair Sites Can Scam You
2 years ago

5 Ways Credit Repair Sites Can Scam You

Credit repair sites have a reputation for being a bit scammy, although not all credit repair sites are looking to rip you off. If you know what to look for, …
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What Is the Best Credit Score to Have?
2 years ago

What Is the Best Credit Score to Have?

Truthfully, the highest credit score is not the score you should be shooting for. The whole point of a credit score is to get you the best rates and credit …
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Why Child Identity Theft Is on the Rise
2 years ago

Why Child Identity Theft Is on the Rise

With identity theft becoming a more popular crime in this country, adults are taking extra measures to protect themselves, which is great, but what about protecting the children? It seems …
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4 Most Common Credit Mistakes People Make
2 years ago

4 Most Common Credit Mistakes People Make

Credit scores and reports are a mystery to most people. They know credit is important and having a good credit score can get you approved for many things, including loans, …
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4 Credit Card Hacks that Can Save You Money
2 years ago

4 Credit Card Hacks that Can Save You Money

If you aren’t careful with your spending, credit cards can be an issue, but if you use them properly and watch your spending, credit cards can actually be a great …
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Where to Get Your Credit Score
2 years ago

Where to Get Your Credit Score

There are so many sites out there today that offer you a “free credit score” or your credit reports that sometimes it can be confusing. Which site should you use? …
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Best Credit Cards for Average Credit

It can be hard to be approved for a credit card if you have issues with your credit score. Most of the popular credit cards are reserved for those with …
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3 Important Ways Monitoring Your Credit Can Save You Money

Over half of people don’t know their credit score and even more have never seen their credit report. While it might not seem like a big deal, these people could …
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How to Protect Your Online Identity from the Shellshock Bash Bug
2 years ago

How to Protect Your Online Identity from the Shellshock Bash Bug

The Bash Bug is here and it is apparently way worse than Heartbleed was. This bug leaves most operating systems wide open to hackers who want to steal your personal …
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When Should You Check Your Credit Before Buying a Home?
2 years ago

When Should You Check Your Credit Before Buying a Home?

Many first time home buyers are not fully prepared when they start looking for their first home. One of the major mistakes they make is not knowing what their credit score …
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Quick Ways to Raise Your Credit Score
2 years ago

Quick Ways to Raise Your Credit Score

We all want a higher credit score, and being financially responsible in the long term can help us achieve that, but what if you need to raise your credit score …
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How Much Does Credit Repair Cost?
2 years ago

How Much Does Credit Repair Cost?

Reader question: I want to improve my credit score. How much does a credit repair service cost?

Answer: It depends on what service you are looking at and what kind …
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What Is Credit Repair?
2 years ago

What Is Credit Repair?

With the tough financial situation our country has been in, a lot of people are talking about how to boost their credit score. One of the ways that people try …
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4 Weird Ways You Can Drag Down Your Credit Score
2 years ago

4 Weird Ways You Can Drag Down Your Credit Score

Your credit score is one of the most important financial factors. It not only determines if you can qualify for a credit card, mortgage, loan, rental, etc., but also how …
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New FICO Ratings: What Does it Mean for Your Credit Score?
3 years ago

New FICO Ratings: What Does it Mean for Your Credit Score?

FICO is one of the most widely used credit ratings in America, in fact FICO reports that 90% of U.S. lenders use their formula. Recently FICO changed the way they …
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What is not on Your Credit Report
3 years ago

What is not on Your Credit Report

Credit reports are one of the most confusing parts of personal finance. People tend to be confused about how they work and how they can affect your finances. One of …
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How a Bad Credit Score Can Cost You
3 years ago

How a Bad Credit Score Can Cost You

Your past financial decisions can affect your credit score. If you have too many instances where you didn’t pay your bills on time, took out more credit than you could …
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National Debt Relief vs. Freedom Debt Relief: Which is Best?
3 years ago

National Debt Relief vs. Freedom Debt Relief: Which is Best?

If you are overwhelmed by debt, you might consider hiring a debt settlement company to help you. Debt settlement companies negotiate payments with each of your creditors. You then pay …
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Credit Sesame’s New Free Identity Theft Protection

Credit Sesame, which is known for its free credit score service, is now offering users free identity theft protection. The free service does not include as many features as other …
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Best Credit Cards with Free Credit Scores
3 years ago

Best Credit Cards with Free Credit Scores

Want your credit score but don’t want to have to pay for it? Luckily, several credit card companies are now including your credit score on your monthly billing statement to …
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Why Won’t Prepaid, Debit Cards Affect Your Credit Score?
3 years ago

Why Won’t Prepaid, Debit Cards Affect Your Credit Score?

Prepaid credit cards are advertised as a great option for people who are trying to rebuild their credit, but can prepaid cards or debit cards really affect your credit score?


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Are Credit Scores that Credit Cards Provide Legit?
3 years ago

Are Credit Scores that Credit Cards Provide Legit?

Reader Question: Discover just sent me a bill and my credit score was on it. Is this an accurate score? Should I trust it?

Answer: The credit score that many …
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Does Experian Work?
3 years ago

Does Experian Work?

Reader Question: I’ve seen commercials for Experian. Does it work? Will it protect my credit?

Answer: Let’s be clear from the beginning, Experian does not protect your credit from identity …
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The Scope of Identity Theft in 2014
3 years ago

The Scope of Identity Theft in 2014

There was a time, not long ago, that identity thieves would focus almost solely on stealing social security numbers and credit card information, such as in the recent Neiman Marcus …
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Common Financial Myths to Avoid
3 years ago

Common Financial Myths to Avoid

Money worries are common. However, financial myths abound that can cause you to make mistakes with your financial future. By learning the facts, you avoid using myths as your guideposts. …
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Is Credit Karma Really Free?
3 years ago

Is Credit Karma Really Free?

Reader Question: I keep seeing commercials for Credit Karma, and I was wondering if it really was free or if you ended up having to pay at some point?

Answer:
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Could Facebook Hurt Your Credit?
3 years ago

Could Facebook Hurt Your Credit?

Social media is becoming more and more a part of our everyday life, but could your social media life start to impact your financial life? It is starting to look …
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What is the Worst Kind of Debt to Carry?
3 years ago

What is the Worst Kind of Debt to Carry?

Is there a good type of debt? What most people think when they see any type of debt is a big, red X. They think that all debt is bad. …
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Credit Card Info Stolen at Target? Here’s What to Do.
3 years ago

Credit Card Info Stolen at Target? Here’s What to Do.

Target is now saying that up to 110 million people were victims of a security breach during one of the busiest shopping seasons. Credit card information was stolen using their …
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Top 5 Money Resolutions for 2014
3 years ago

Top 5 Money Resolutions for 2014

As you consider your resolutions for 2014, make sure you include some personal finance improvements in your goals. Luckily, there are certain steps you can take to improve your financial …
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How to Protect Your Kids from Identity Theft
3 years ago

How to Protect Your Kids from Identity Theft

Since your kids are not legal adults and don’t have credit cards, they can’t be victims of identity theft, right? Wrong. Kids are actually more likely to be victims of …
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Can Missing One Payment Affect Your Credit Score?
3 years ago

Can Missing One Payment Affect Your Credit Score?

Reader Question: I missed a payment on my credit card this month by more than a week. Will that affect my credit score?

Answer: Great question. Many people think that missing …
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Which is the Cheapest Credit Repair Service?
3 years ago

Which is the Cheapest Credit Repair Service?

There are a ton of credit repair service options out there competing for your business. So which one should you choose? Many credit repair services offer a bunch of extras …
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Best Ways to Save Before the Holidays
3 years ago

Best Ways to Save Before the Holidays

As the holiday season approaches, so too comes the many extra holiday expenses that can bust your budget.  From gifts to feasts, from shipping to travel expenses, the costs can …
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Lexington Law vs. CreditRepair.com: Which Credit Repair Is Better?
3 years ago

Lexington Law vs. CreditRepair.com: Which Credit Repair Is Better?

The two biggest names in credit repair, Lexington Law and CreditRepair.com, are actually owned by the same company, although they offer very different services when it comes to credit repair. …
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Sky Blue Credit Repair vs. CreditRepair.com: Which Is Better?
3 years ago

Sky Blue Credit Repair vs. CreditRepair.com: Which Is Better?

If you are looking for a good reliable credit repair service, two of the top services are Sky Blue Credit Repair and CreditRepair.com. So which one is right for you? …
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5 Tips to Keeping Your Credit Score Healthy
3 years ago

5 Tips to Keeping Your Credit Score Healthy

We all know that your credit score helps loan issuers determine how reliable you are when it comes to money, but most of us don’t check our credit score until …
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How Much Does Sky Blue Credit Repair Cost?
4 years ago

How Much Does Sky Blue Credit Repair Cost?

Reader question: I want to sign up for Sky Blue, how much does it cost for the whole thing?

Answer: Good question. Sky Blue Credit Repair is actually one of …
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What Is the Optimal Credit Score?
4 years ago

What Is the Optimal Credit Score?

Reader question: What’s the highest credit score? What score should I be aiming for?

Answer: Truthfully, the highest credit score is not the score you should be shooting for. The …
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Can I Get a Free Credit Score and Report?

Reader question: I want to know what my credit score is and want the report to go with it, but I don’t want to pay for it. How can I …
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How To Get a Free Credit Score Without Being Scammed
4 years ago

How To Get a Free Credit Score Without Being Scammed

Reader Question: I want to get a free credit score without getting scammed with fine print and having to pay if I don’t cancel. How can I get that?

Answer:
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How to Avoid Identity Theft
4 years ago

How to Avoid Identity Theft

As our lives transition to a more online existence, we become more and more vulnerable to identity theft. With personal information like phone numbers, address, mother’s maiden name and social …
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How I Learned to Live Without Credit Cards
4 years ago

How I Learned to Live Without Credit Cards

More and more people are opting to live without credit cards, since many of us get swept up in the convenience of the buy now/pay later mentality. That could be …
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Best Credit Report Monitoring Services
4 years ago

Best Credit Report Monitoring Services

In an age ruled by credit cards, loans and borrowing, credit scores have become the gold standard of measuring your financial health. Sadly, because of that, credit report monitoring services …
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How to Come Back from a Financial Crisis
4 years ago

How to Come Back from a Financial Crisis

It seems we are on the other side of the recession, or at least on our way out, but that doesn’t mean we’re not still feeling the pain from it. …
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Simple Ways We Ruin Our Credit Without Even Knowing It
4 years ago

Simple Ways We Ruin Our Credit Without Even Knowing It

Everyone knows that your credit score is important for most of your financial moves, whether it be applying for a credit card or trying to score that massive mortgage. The …
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6 Financial Hurdles to Jump Before You Turn 30
4 years ago

6 Financial Hurdles to Jump Before You Turn 30

You’ve graduated college, you are in the real world and you are living it up. But at some point during all the fun, you wake up one morning and realize …
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ID Theft Deal: Protection for the Whole Family with IdentityForce
4 years ago

ID Theft Deal: Protection for the Whole Family with IdentityForce

Looking to keep your entire family protected from identity theft? It’s a good idea, especially for your children. Most people don’t know that children are fast becoming the main target …
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Does Credit Repair Work?
4 years ago

Does Credit Repair Work?

You’ve seen the ads claiming to be able to fix your bad credit, but do credit repair products really work? Honestly, many of the companies are a scam. But the …
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Lifelock: Get 10% Off Identity Theft Protection Plus a 30-Day Free Trial
4 years ago

Lifelock: Get 10% Off Identity Theft Protection Plus a 30-Day Free Trial

If you have been thinking about ways to protect your identity, today’s deal is for you. Lifelock is offering our readers 10 percent off their identity theft and credit report …
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Simple Ways to Raise Your Credit Score
4 years ago

Simple Ways to Raise Your Credit Score

If you’re like most people, the recession took a toll on your finances, and probably your credit score. So how do you get it back to where it needs to …
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