Does a cell phone contract help your credit?   Great question from one of our clients this week.  The short answer is no.  However…..with almost everything related to the topic of credit scores, there is a longer answer that must also be given.  Unless you are getting the pre-paid cell phones, this article is for you.
When [...]

We recently wrote about the so-called “Free” credit reports that really aren’t free in this article.  Well, CNNMoney.com listed them as one of America’s biggest rip-offs.  Amazingly, Experian – a credit bureau that owns freecreditreport.com, said that they do realize that some people who sign up don’t realize they are signing up for a credit [...]

Yes, every adult in the U.S. is entitled to a free credit report each year.  You actually get THREE free reports annually, one from each of the three credit reporting agencies, better known as credit bureaus.   These have been available since late 2004, thanks to the provisions in FACTA, the Fair and Accurate Credit Transactions [...]

Should I add a Consumer Statement to my credit file?  The short answer is NO. 
A Consumer Statement is something that can be added to a person’s credit report, by them.  It is about the only thing a person can add to their own report.  Everything else on there comes from companies that pay the credit [...]

As we start a new year, many people are making resolutions, including some about their finances.  With today’s economic climate, credit scores are playing a significant role in consumers’ finances, from the ability to get a loan at a good interest rate, to how much we are charged for insurance coverage, to job hiring and security [...]

As we approach the end of the year, many people are planning to move.  Their credit rating and scores are probably not on the top of their list of concerns.  Usually they are focused on the logistics of the move and getting their deposit returned. 
However, we see numerous credit reports with collections and judgments [...]