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Category: Credit

You will make important financial deals with many people that don’t know you throughout your life — people like bankers or landlords. Since they don’t personally know you, to determine if you are a “safe” investment, they turn to a metric called “credit”. Your credit score is a measure of your financial reliability; the higher the number, better. There are three credit bureaus, Equifax, Experian, and TransUnion, who create your credit report, which is used to determine your credit score.

However, the credit system isn’t as simple as it might seem. Credit scores can plunge unexpectedly, your credit score might differ depending on who checks it, and there are several different agencies all governing different aspects of the credit business. In order to take control of your own finances, you’ll need to understand the role that the credit bureaus play in your life. It can be a nightmare for anyone to navigate on their own. Luckily, you don’t have to.

Can You Sue the Credit Reporting Companies Over Mistakes On Your Credit Report?

Disputes

A few months ago, you received your free credit score report. On it, you noticed mistakes: someone with the same name had accounts in collections, but somehow they were added to your report. The wrong Social Security number was even added to your report. No problem, you thought, as you can fix most of these […]

Are Holiday Credit Card Offers Worth It?

credit card

You’re in the store. The holiday music is rocking, decorations make the store look like a winter wonderland, and you’ve found the first gifts of the season. You are at the checkout and the total cost of your purchases (unpleasantly) surprise you. Then, the cashier asks, “Would you like to sign up for our store […]

What Is Credit Monitoring, and How Can I Use It Effectively?

Credit Monitoring and Identity Theft Protection After a Major Hack

Credit monitoring is a service that gives the user updates about changes to their credit report. In addition to providing general assistance in terms of managing your credit, these services can also give you early warnings of fraud. What Updates Do Credit Monitoring Services Track? The elements that a credit monitoring service tracks depend on […]

Should You Cosign on Someone’s Credit Card Application?

Should You Cosign on Someone's Credit Card Application?

Your friends and family are supposed to lean on you when they need help. Generally, we even judge how “good” of a person someone is based on how far they go to back up a friend or family member. Co-signing a loved one’s credit card application can be an easy way to show someone that […]