Your Credit Score - Does it Matter?

A negative or low credit score can significantly reduce your chances of getting a bank loan or insurance under favorable terms, owning or renting a home or getting a new credit card. More »

Identity Theft – Our Story

This site was started as a result of first-hand experience (or at least, my daughter’s first hand-experience) of identity theft. Consumers are often accused of being careless with personal details – yet identity theft can happen through no fault of your own. More »

What Information Does a Credit Report Contain?

Apart from your FICO score, your credit report details your credit history. Be aware that any adverse information on your credit report that has not been disputed remains for about seven years More »

 

What Information Does a Credit Report Contain?

Apart from your FICO score, your credit report details your credit history. Be aware that any adverse information on your credit report that has not been disputed remains for about seven years, while bankruptcy cases often remain for about 10 years.

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Who Decides Your Credit Score?

Your creditworthiness is presently evaluated and reported by four consumer credit reporting agencies (CRA) – Experian, Equifax, TransUnion and Innovis. Based on submissions from your banks, creditors, and lenders on your accounts and how you are making payments, these credit bureaus are regulated under the Fair

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Obtaining Your Credit Report

It’s easy to obtain a copy of your credit history report – and under the Fair Credit Reporting Act you can get one annually completely free. Checking your credit report will not damage your rating.

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Checking and Correcting your Credit Report?

If you are worried about a bad credit score, the first thing you should do is to check that the credit history on record is actually correct. Identity theft is a fast rising crime and sometimes this can result in an undeserved bad credit rating. If you find suspicious line items or genuine mistakes on your credit report

Your Credit Report… It Could Be Better Than You Expected…

I wrote about my daughter’s experience of identity theft and the saga continues.

Having married a couple of months ago in the summer, my daughter and her husband are thinking about buying a first home. It looked hopeless initially

Identity Theft – Our Story

This site was started as a result of first-hand experience (or at least, my daughter’s first hand-experience) of identity theft.  Consumers are often accused of being careless with personal details – yet identity theft can happen through no fault of your own.

Your Credit Score – Does it Matter?

A negative or low credit score can significantly reduce your chances of getting a bank loan or insurance under favorable terms, owning or renting a home or getting a new credit card. It can even prevent you from gaining employment in a company that uses credit rating as one of its screening criteria.

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