What is a Credit Freeze?
What is a Credit Freeze? Credit Monitoring by John Ulzheimer Share Share Email A credit freeze is used to prevent potential lenders or other businesses from reviewing your credit reports and credit scores without your consent. This prevents identity thieves from opening credit accounts in your name, even if they have your social security number […]
Should I Use a Personal Loans to Pay off Credit Card Debt?
Should I Use a Personal Loans to Pay off Credit Card Debt? Auto Loans by John Ulzheimer Share Share Email I’ve been asked a thousand times what is the best way to get out of credit card debt. My first response is always, “write a big check.” And while that answer might sound absurd you’d […]
Buying, Renting, or Failure to Launch
Buying, Renting, or Failure to Launch Credit Score by David B. Coulter Share Share Email What’s on your mind? Many people often find themselves at a financial crossroad. You might have graduated college recently, and after working for the last few years, must decide what to save up for in order to build a stable […]
July 2012 Delinquency Rates Declined Compared to July 2011
July 2012 Delinquency Rates Declined Compared to July 2011 Auto Loans by John Ulzheimer Share Share Email Equifax, one of the three national credit bureaus, recently announced the results of their National Consumer Trends Report which compared July 2012 to July 2011. Credit card, home and auto finance delinquencies decreased by double-digit percentages from the […]
What is ScoreTracker?
What is ScoreTracker? Credit Report by Maria Shahid Share Share Email With all that is happening in the world right now, financial stresses are an area of concern. In the current climate, there are financial stresses. With the right score, you can save thousands of dollars in interest. Whether you are looking to increase your […]
How Many Points Will a Hard Inquiry Cost on Your Credit Score?
How Many Points Will a Hard Inquiry Cost on Your Credit Score? Credit for Beginners by David B. Coulter Share Share Email Whenever you or anyone else checks your credit report, it will show up as an inquiry. That’s not a reason to panic. If it’s just a soft inquiry, your score is unaffected. Even […]
10 Things You Should Know About Identity Theft
10 Things You Should Know About Identity Theft Identity Theft by David B. Coulter Share Share Email Identity theft is a method of stealing someone’s identity in order for an individual to access resources or procure credit under an identity that is not theirs. The victim of identity theft can experience serious consequences if they are held responsible for […]
Would You Buy a Credit Score if The Website Said This…
Would You Buy a Credit Score if The Website Said This… Credit Cards by John Ulzheimer Share Share Email If you don’t live in Utah you probably have never heard of Representative Paul Ray. And, you’ve probably never heard of H.B. 158, more commonly referred to as the Consumer Credit Protection Amendments. The bill, if […]
How Your Credit Score Can Affect Employment Opportunities
How Your Credit Score Can Affect Employment Opportunities Credit Score by David B. Coulter Share Share Email It’s common knowledge that your credit score is a determining factor in securing a loan or mortgage, but did you know that a bad credit score can make your job hunt more difficult? When an employer does a […]
Can I Close On A Loan While My Credit Report is in Dispute?
Can I Close On A Loan While My Credit Report is in Dispute? Auto Loans by John Ulzheimer Share Share Email In what’s becoming a fairly common occurrence, consumers who have active credit report disputes are finding it hard to close on loans. Consumers have the right to challenge items on their credit reports with […]