Credit Reports & Scores

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Are you being harassed over an old VHS rental late fee?

More than three million people are being harassed over debts of dubious origin from the defunct video rental chains Hollywood Video and Movie Gallery. When these chains went bust, their collection records were apparently in complete disarray. The collection agency that has been attempting to track down alleged debtors has ...

Credit scores both improving and worsening at the same time

How are you doing with your credit score? If you're like the typical American, things are getting better, but there are still some danger spots on the horizon. The latest FICO numbers show a significant increase in consumer credit scores. Almost one in five people are now considered 'golden,' which ...

A dime of every dollar goes to the average American's debt

The amount of money from the paycheck of the average American that goes to service debt is virtually at an all-time low. The Federal Reserve reports that the average American is spending a dime out of every dollar for servicing the debt they have. Month after month, average Americans have ...

Credit freezes are effective tool against data breaches

Are you doing things that lay yourself wide open to an identity thief fouling up your life? I'll tell you how to protect yourself. New numbers from Javelin Research suggest you're almost 10 times more likely to suffer a full-scale identity theft if you have been subject to data breach. ...

Credit companies resume offers to those with damaged credit

The spigot has really opened back up on credit lending. Folks who have great credit have seen the credit card offers pour in lately. And these offers are getting more and more generous, chock-full of bonuses, special rates and rewards. If your credit is really good (around 740 or above), ...

More reward card offers coming for those with excellent credit

The major credit card issuers are in a real market-share war and they're each coming up a variety of reward card offers. American Express, Capital One, Citibank, Chase and Bank of America are seeking new customers with high credit scores. The offers are generally coming to those who have scores ...

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A solution to the child identity theft problem?

While the credit bureaus sit on their hands when it comes to child identity theft, one state is considering legislation that would give parents a tool to prevent it from happening to their child. Child identity theft is one of the worst forms of identity theft because it often goes ...

Free access to credit report and score

Just as there's no reason to obsess over your credit score, there's also no reason to ignore it either. What you don't know can hurt you. Fortunately, getting free access to your credit report and credit score can be easy. At AnnualCreditReport.com, you can get a free copy of each ...

Some states ban using credit reports to eliminate potential job candidates

More than half a dozen states have now passed explicit laws to ban employers from using credit reports to rule out potential hires for jobs where no handling of money is involved. All I can say is it's about time! For jobs involving direct access to funds, I get it. ...

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Free FICO scores for military personnel

Clark has a special place in his heart for the brave men and women in our armed forces. And now he's learned of a way for active duty personnel to see their real FICO score online for free.