Credit Report Guy
Credit Monitoring Services
Credit Monitoring Services help you by securing your personal information and keeping close tabs on your credit history. You need to know if there have been unauthorized accounts opened in your name and fraudulent use of your credit. We all have concerns about identity theft and would need to take a proactive approach when protecting our credit. A 24 hour credit monitoring service is the […]
Dodd-Frank Financial Reform Bill
Dodd-Frank Financial Reform Bill – For most people their credit report is the most important document that they will own. A credit report determines whether you can get a credit card. Or a cash loan, buy or lease a car. Finding employment, getting insurance, buying cable television service. Even getting into a cell phone contract. The Dodd-Frank financial […]
Online Credit Reports
Why Request Your Credit Report? Because requesting online credit reports is a great idea. The information in your credit report is used to evaluate your application for credit, employment, insurance and rent. Be sure the information you see on your report is accurate and up to date. Also, monitoring your credit file is one of the […]
Improve Your Credit Score
Improve Your Credit Score – If you have ever applied for a credit card, a car loan or insurance, there’s a credit report file about you. It has information on where you live. On how well you pay your bills, if you ever been sued or had an arrest. Or even if you filed for bankruptcy. The consumer […]
New Credit Card Law
New Credit Card Law – The Credit Card Accountability, Responsibility, and Disclosure (CARD) Act that President Obama signed into law gives consumers added protections from certain credit-card practices. Here are some of the key changes that may affect you. The Credit Cardholders’ Bill of Rights includes several provisions aimed at limiting how credit card companies […]
Consumer Credit Bill of Rights
Here is a quick rundown of the Consumer Credit Bill of Rights. As a consumer of credit, you can look forward to more protection from credit provider and debt collector abuses. Mortgages • Lenders would no longer be allowed to pay mortgage brokers a commission based on the interest rate for a home loan. The law would […]
Improving Your Credit Score
If improving your credit score is your goal, the first step is to request your free credit reports from each of the three credit reporting agencies. It’s important to know where your credit score currently stands before you move ahead. Secondly, pay your bills on time. Up to 35% of your credit score is based on whether you have […]