How Does the Fair Credit Reporting Act (FCRA) Empower Me to Repair My Credit?

What is the Fair Credit Reporting Act? Established in 1970, the Fair Credit Reporting Act (FCRA) restricts businesses from freely accessing an individual’s personal credit information by contacting one or more of the big three credit bureaus: Experian, TransUnion and Equifax. Under the Fair Credit Reporting Act, a company must have “permissible purpose” before requesting information from a credit bureau.

Top 10: States With Best Credit Scores

What states make the top of the list for credit in the U.S? Find out where your state ranks based on key criteria like unemployment. Did you make the top ten?

Why Tax Season Is the Time to Repair Your Credit

Think you should put off credit repair? Think again. See why tax season is the best time to start fixing your credit score and working toward a better future.

Not All Credit Scores Are Created Equal

FICO may be the most popular credit score but it’s hardly the only. Here’s a look at two other credit scores, Vantage and PLUS.

Maximize Your Score With Different Types of Credit

Roughly 10 percent of your credit score weighs the different types of credit to your name. Here’s a look at what they are and how to diversify your credit for the best possible score.

Paid Collections Don’t Automatically Get Removed

Many consumers think that if they’ve settled outstanding debt with a collection agency that the record will be wiped from their credit report. It won’t. Here’s why:

Why You Shouldn’t Co-Sign on a Loan

Thinking of co-signing on a loan? You might want to think again. While co-signing is done with good intentions, it can be very detrimental to you and credit

Managing Credit Through Divorce

Divorces are never easy. They can become even more of a hassle if you’re not smart about managing your credit score and finances.

Medical Bills: The Credit Score Killer

Unpaid medical bills can spell bad news for your credit score. So what can you do to ensure that medical bills don’t go to collections? Here’s a look:

Preapproved Car Loans: Saving You Money, Time and Amp – Hassle!

A traditional part of the home buying process is also part of the best vehicle shopping experience. The process of obtaining preapproval for an auto loan is now catching on as smart car shoppers realize the savings and control it can offer them. If are preparing to shop for a car and plan to finance the purchase, here are some credit tips and helpful information to get you started.

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