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 [...]

By now you probably know that you can get a free credit report.  It is NOT from the singing pirates with the catchy jingle – they are actually sponsored by one of the credit bureaus who require enrollment in one of their products to get your ‘free’ report. 
NOTE:  Any time you are asked to give [...]

If you’ve been admitted to the hospital recently, you may find an Inquiry from the hospital on your credit report.   Yes, it probably was legitimate and authorized by you.  No, it wasn’t used to determine if you or your loved one would be admitted for care.
Like so many businesses these days, medical care facilities are [...]