Every young person has likely heard the warnings from parents or older friends and relatives: beware of credit cards and accruing significant debt. While such advice is common, it’s rarely taken, as many young people find themselves fighting a difficult uphill battle against debt. But young people aren’t the only ones who have traditionally proven [...]

• 0 Comments

Benefits of a Credit Report
Aside from protecting yourself against identify theft; credit monitoring is essential for improving your credit rating. Although lenders use credit reports to judge a loan applicant’s creditworthiness, credit reports are also beneficial because they keep us informed of our credit standing. Thus, we can know our odds of obtaining a home [...]

• 0 Comments

Correcting Errors
Under the FCRA, both the consumer reporting company and the information provider (that is, the person, company, or organization that provides information about you to a consumer reporting company) are responsible for correcting inaccurate or incomplete information in your report. To take advantage of all your rights under this law, contact the consumer reporting [...]

• 0 Comments

By: Jeff Schuman
Could bad credit payday loans be the answer consumers with low
bank accounts have been looking for? Is there any harm in using
these services? Aren’t they better than using credit cards or
going hungry?
Have you seen the commercials? Cute characters promise financial
prosperity. Happy, professional individuals appear to regularly
visit their corner pay day loan shop as [...]

• 0 Comments

Are you guilty of believing some of the following myths:
I must have a high credit score because I’m never late paying my bills
Yes, it’s important to be current in paying your bills - but a good payment history only comprises 35 percent of your overall credit score. The other factors taken into consideration when determining [...]

• 0 Comments