Spend, Save, or Jump Ship
Spend, Save, or Jump Ship Credit Cards by David B. Coulter Share Share Email In a Perfect World So you have landed your dream job, you are well respected, and you are on the fast track to becoming one of your company’s leaders. An ever-rising salary coupled with the satisfaction from working in a company […]
What are “Score Factors”
What are “Score Factors” Credit Report by John Ulzheimer Share Share Email Score factors, which are also known as “reason codes”, describe the reasons your score was not higher. Since credit scores’ “secret sauces” are not divulged by the developer, score factors help to explain the score. That way the company can explain it enough […]
Pros and Cons of Credit Monitoring Services
Pros and Cons of Credit Monitoring Services Credit Monitoring by David B. Coulter Share Share Email It’s very easy to get confused about whether or not credit monitoring is something that you should invest in. With the amount of credit monitoring services available in the marketplace, it can be even more confusing when trying to […]
Does My Credit Report Combine With My Spouse’s Credit Report When We Get Married?
Does My Credit Report Combine With My Spouse’s Credit Report When We Get Married? Credit Report by John Ulzheimer Share Share Email From time to time I’ll receive questions from consumers regarding how their credit reports react to marriage. Many people believe that your credit reports and credit scores merge when you get married. This […]
4 Ways to Pay off Your Car Faster
4 Ways to Pay off Your Car Faster Credit for Beginners by David B. Coulter Share Share Email Perhaps the best ride you’ll ever take in your car is on the day it’s 100% yours. The quicker you can pay off your car, the sooner you can take the wheel with complete financial peace of […]
Reporting Identity Theft
Reporting Identity Theft Credit Cards by Maria Shahid Share Share Email Identity theft is a frightening crime that affects millions of consumers each year. If someone gets your personal information, you want to do everything you can to help safeguard your identity. In some instances, identity theft insurance and monitoring may be worth considering. While […]
Equifax Fined by the FTC
Equifax Fined by the FTC Civil Penalty by John Ulzheimer Share Share Email Recently Equifax, one of the three national credit bureaus, agreed to a settlement with the Federal Trade Commission (FTC) for $393,000. The Federal Trade commission fined them for improperly selling lists of consumers who were late on their mortgage payments. Equifax sold […]
Do 42,000,000 Consumers Really Have Errors In Their Credit Reports?
Do 42,000,000 Consumers Really Have Errors In Their Credit Reports? Civil Penalty by John Ulzheimer Share Share Email On Monday February 11th the Federal Trade Commission will release a long awaited 370 page study on credit report accuracy. The study, which was profiled on 60 Minutes Sunday evening, paints a disturbing picture of credit report […]
Can My Wages Get Garnished If I Don’t Pay My Creditors?
Can My Wages Get Garnished If I Don’t Pay My Creditors? Bankruptcy by John Ulzheimer Share Share Email I got the following regarding garnishments from a Facebook friend last week… “John, I had some credit problems in 2007 and I thought time had healed the wound. I’m wrong. I found out from my employer, AT […]
Are reloadable prepaid debit cards or debit cards reported on my credit report?
Are reloadable prepaid debit cards or debit cards reported on my credit report? Credit Cards by John Ulzheimer Share Share Email I received the following question from a follower last week. It has to do with why some of her cards are not appearing on her credit reports. Read on…