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How can you check your minor child’s credit report if you suspect illegal activity?

April 4, 2017

If you are concerned that someone may have used your minor child’s identification information fraudulently, you can request a copy of your child’s credit report for free by following...

Are credit reports combined when you get married?

April 4, 2017

Credit reports are not merged when you get married. Each spouse maintains their own credit report with the accounts they had prior to entering the marriage. If only one...

How often does your credit report get updated?

April 4, 2017

Typically, lenders report your account information once a month, but each account on your report may be updated at different points throughout the month, depending on that creditor’s reporting...

Does closing an account hurt your credit?

March 30, 2017

Closing an account can affect your credit and make your credit scores temporarily drop. When you close an account, you lose the available credit limit on that account, which...

Who do you pay when an account has been sent to collections?

March 30, 2017

If your account was sent to collections, you will need to pay the collections agency directly. Once the account is sold or transferred to a collection agency, the collection...

How long after paying off a credit card will my credit score to go up?

March 30, 2017

It can take several months to see scores increase after paying off your credit card. The account will be updated at the end of the billing cycle in which...

Do Businesses Require My Permission to Run My Credit?

February 23, 2017

It is possible for businesses to view credit reports, in particular circumstances, without your permission. For example, if you are applying for credit, such as a credit card, mortgage...

My Student Loans Were Just Paid in Full. Will This Improve My Credit Score?

February 23, 2017

Congratulations! Paying off your student loans is a great accomplishment. If you always made your student loan payments on time, you may not see a big increase in your...

What Can a Good Credit Score Do for You?

February 23, 2017

Having a credit score in the high 700s and above will help you save money over time and allow you to get the credit you want when you need...

Do Employers Look at Credit Reports?

February 9, 2017

Employers may obtain a modified copy of your credit report for employment purposes, but they will never receive your credit score. A report used for employment purposes omits your...

How Do You Close a Credit Card?

February 9, 2017

To close a credit card, you must contact the credit card company and request an account closure. The credit card company will then deactivate your account and report it...

What’s the Difference Between Chapter 7 and Chapter 13 Bankruptcy?

February 9, 2017

From a credit reporting perspective there is one fundamental difference in the two bankruptcy chapters. Under Chapter 13 bankruptcy you must repay at least a portion of the debt....

What is a FICO score?

January 31, 2017

A FICO score is a credit scoring system developed by the Fair Isaac Corporation (FICO). FICO creates the formulas that take information from credit reports and use it to...

How Do You “Fix” Bad Credit?

January 31, 2017

There is no quick “fix” for rebuilding your credit history. The length of time it will take depends on the severity of your previous difficulties. However, with time and...

How Can a Young Person New to Having a Credit Card Build Credit?

January 31, 2017

Building credit takes time. If you have a new credit card, make a small charge each month and pay the balance in full every month. Doing so will help...

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What Should You Know About the Dark Web?

Learn more about what the dark web is, and why it should matter to you as a part of your identity protection strategy.