Identity Theft In The Making – Stories From A Credit Bureau Insider, Part II
Identity Theft In The Making – Stories From A Credit Bureau Insider, Part II Identity Theft by Steve Reger Share Share Email Early on and long before credit repair as we know it now, when someone said an account was not theirs you could just about take their word for it. Sure on occasion a […]
Why Did I Get IRS Form 1099-C From My Credit Card Issuer?
Why Did I Get IRS Form 1099-C From My Credit Card Issuer? Credit Cards by John Ulzheimer Share Share Email I received my first 1099 for tax year 2012 last week. And while the weather suggests “It’s beginning to look a lot like Christmas” it’s also a reminder that we’re only 3 months away from […]
How To Recover From Identity Theft (Yes, It’s Possible!)
How To Recover From Identity Theft (Yes, It’s Possible!) Credit Monitoring by David B. Coulter Share Share Email It’s been a while since it happened but it might as well have been yesterday. How long does it take to recover from identity theft? A fraudster got hold of your financial information and took your hard-earned […]
Can I Get An Authorized User Removed From My Credit Report?
Can I Get An Authorized User Removed From My Credit Report? Credit Cards by John Ulzheimer Share Share Email I’ve written often about the benefit of being an authorized user on a parent or loved one’s credit card as a strategy for building or rebuilding credit reports and credit scores. Despite what some pretend financial […]
Identity Theft In The Making – Stories From A Credit Bureau Insider
Identity Theft In The Making – Stories From A Credit Bureau Insider Identity Theft by Steve Reger Share Share Email Hello. My name is Steve Reger and I spent 26 years working for one of the three major credit bureau, TransUnion. During my lengthy tenure as their Direct of Consumer Services I experienced most everything […]
Why isn’t an account removed from my credit report after it is paid?
Why isn’t an account removed from my credit report after it is paid? Credit Cards by John Ulzheimer Share Share Email Your credit report includes both current and historical account information. Credit grantors want to make a lending decision based upon both historical and current payment behavior. Historical information is an indication of how you […]
Excerpts From VantageScore’s Press Release Regarding Their 3.0 Credit Scoring Model
Excerpts From VantageScore’s Press Release Regarding Their 3.0 Credit Scoring Model Credit Report by John Ulzheimer Share Share Email STAMFORD, Conn, March 11, 2013 – VantageScore Solutions, the company behind the VantageScore® credit scoring model, announced today (actually it was yesterday) the unveiling of its newly constructed credit scoring model, VantageScore 3.0. The new model […]
Going from good to great credit
Going from good to great credit Credit Report by David B. Coulter Share Share Email “How do I go from good to great credit?” This is a common question from those with a 700+ credit score and can’t figure out how to improve it. To go from good to great credit, you need to understand […]
How Can I Get A Collection Removed From My Credit Reports?
How Can I Get A Collection Removed From My Credit Reports? Credit Monitoring by John Ulzheimer Share Share Email First, how did the collection get there in the first place? After a lender has made many attempts to get you to pay a bill that is past due and has not been successful, they may […]
Why Am I Getting Calls From a Collection Agency?
Why Am I Getting Calls From a Collection Agency? Civil Penalty by John Ulzheimer Share Share Email Q: John, I started getting phone calls last week from a company called “name withheld.” They told me that they’re a collection company and that they are collecting a debt that I owed years ago to a credit […]