Attention, online shoppers! Identity thieves are banking on you, and your credit, to be easy prey. Cyber Monday is prime time for identity thieves to get in on the online action. Knowing what to watch for, where the potential risks are and how to take charge of your credit can help keep your identity from being … Read more
Black Friday and Cyber Monday may save you cash, but your credit scores could pay the price. The challenge is to get in on the multitude of “deals and steals” while keeping your spending on track – and your credit scores intact. If plan to use credit in lieu of cash, use these credit tips … Read more
In today’s world, your credit scores have the power to impact where you live, what you drive – and how much bang for the buck your hard-earned dollars will get you. If you’re like most, the amount of your monthly payments is a big factor in determining how much car, home or other big-ticket item … Read more
’Tis the season to shop and celebrate, and if you plan to fund the festivities with credit cards beware of the pitfalls that could bury your credit scores.
Most of us have a pretty good idea of the basic credit behaviors that will keep our creditors happy. However, there are lesser-known financial behaviors that can affect your credit scores more than you may realize.
Labor Day weekend is a celebratory time for many hardworking Americans. As you prepare to shop and enjoy the holiday with friends and family, give your credit scores and reports a quick “performance review” to be sure they’re working hard for you! Your credit scores can be a powerful negotiating tool – so it’s important … Read more
Your credit scores change as new data hits your credit file. However, your file is only as accurate as the information reported by your creditors to Transunion®, Equifax® and Experian®. Credit report errors happen – and when they do – your credit scores may pay the price. In fact, 1 in 5 people have an … Read more
Tracking down your credit reports is the easy part. Trying to navigate your way through the sections, figure out what to focus on and decode the information is what can leave you feeling lost. The bad news – to protect your credit scores and your ability to get credit in the future, you’ve got to … Read more
Your credit scores are calculated from information on your TransUnion®, Equifax® and Experian® credit reports. And your creditors are constantly updating your accounts with one, two or all three credit bureaus. It’s important to understand what drives your credit scores, which actions may be helping or hurting – and why. Are your payments typically on-time … Read more
If you are thinking of applying for a home equity loan, make sure you understand how your payment history on your current mortgage and your overall credit history will affect your chances of qualifying and the interest rate deals that lenders will offer you.