Is the Discover Credit ScoreCard Legit?

Everyone knows that a good credit score will help you get the loan you need to buy a home, car – whatever it is you want. Lenders have long been using the FICO credit score to determine a potential borrower’s creditworthiness, and now, consumers have more access to their score than ever before. In the […]
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What Is the Fico Score 8 Model?

Did you know there are multiple Fico score models? Most people don’t – I didn’t either. But these different models allow lenders to make smarter decisions when granting loans or credit. Fico Scores were first introduced in 1989 – more than 25 years ago. As you can imagine, a lot has changed since then. Consumer […]
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The Credit Score Rating System Demystified

Separating Fact from Fiction For Consumer Credit Score Ratings … When you request your credit score or report, you will find that the way your credit is weighed by the respective credit bureau is very complex and not at all transparent. In fact, most people have no idea what their credit score rating represents or […]
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Identity Theft Statistics

As technology advances, the incidents of identity theft statistics also rise. We all too often hear of the occurrence of id fraud, whether it affects us directly or someone we know. It seems the number of victims is increasing rapidly in 2014. So just how common is id fraud? How can you or someone you […]
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Types Of Identity Theft

<blockquote>Identity theft is everywhere these days, but do you know it can come in several different varieties?  </blockquote> From Target, to Nordstrom, to Michaels- we are hearing details about another data breach every week or two this year.  These data breaches at major brick and mortar stores make it more important than ever to protect […]
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When Should Consumers Freeze Their Credit Accounts?

As someone who in the past was a victim of identity theft, I can assure you it is a very painful process and not something I would recommend for even my worst enemy. It took me more than a year to realize something was terribly wrong with my credit. I had just applied for a […]
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New Ways To See Your Credit Scores For 2015

These days it seems like no matter what account you are trying to open, they require a soft pull of your credit report and more than likely a full credit score checkup too. From the usual suspects like a mortgage company or new car loan, to simply opening up a new utilities account. The lender […]
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How Is The Fico Score Calculated?

When evaluating your credit history or deciding whether to lend you credit or not, most creditors will use your credit score and credit report to find information they need. Your credit score is a reflection of your credit worthiness and is used to access the potential risk (in credit repayment) that you are to creditors. […]
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Landlord Credit Reports

In the world of property rentals, there are so many changes that have taken place over the years. Some years ago, all landlords were interested in was having the right tenants who had the right attitude and who had the ability to make the needed payments for their properties on the spot. The truth is […]
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