What Credit Score Do You Start With?

When you graduate high school or college and start your path to adulthood, you will stop worrying about grades and start worrying about boring adult things.  First and foremost should be your credit score. And just like school grading systems, credit scores can be complicated. If you’re just starting to work on building credit, you […]
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CreditWise by Capital One Review

If you want to buy a home, take a loan out for a new car or even rent an apartment, you need to have good credit. Yes, you can request a free credit report from the three credit bureaus, but you can only get one free report per year. And most credit monitoring services – […]
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Does Checking Your Credit Score Lower It?

You have most likey learned that checking your credit score regularly is recommended. In the age of wide spread identity theft, a good portion  of consumers will check their scores periodically, and when you need to take out a loan or make a major purchase, the lender will also pull your credit score. But, you […]
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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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