It’s here – the busiest shopping time of the year.  Even if you aren’t waiting in lines before daylight for special bargains, you may be doing some in store or online shopping, too.  The Privacy Rights Clearinghouse offers 10 Holiday Tips to protect your finances and identity.  We offer these additional credit building tips.
1) Always [...]

This article is of particular importance to a married person with most of the household’s financial accounts in the other spouse’s name.  
We’ve seen several occasions over the years where a change-of-life event can leave one spouse without a credit history and facing challenges with financial institutions and other companies.  Often senior citizens have a traditional relationship with [...]

You can save 26% on your FICO scores now through November 30th.  MyFICO is offering both your TransUnion and Equifax reports and scores for under $12 each; they are usually about $16.  Remember, if you are going to spend money on any credit scores, this is THE place to get them.  If the scores you have are [...]

When you shop online, you usually have to give credit card information to complete the purchase.  Most companies do a great job with securing their websites and their check-out pages because they know if they don’t, people are less likely to come back and shop with them. 
TIP: Look at the URL, the address line, on [...]

We hear from a lot of people in January or February when they find out that they have a late payment on their credit report.  They often say that they were out of town and didn’t get the mail in time, or perhaps they just missed that bill among all the other mail they had to go through when [...]

Right now many people are looking at purchasing a home, especially with the extension and expansion of the home buyer’s tax credit.    Sometimes they are unable to qualify for the home loan because of credit scores that are too low.  Christy Miller, a mortgage advisor with American Home Mortgage, said that a minimum score of [...]