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 [...]

We recently had a question about getting free credit scores.  And with the general public’s growing awareness of the importance of good credit and their credit scores, more and more people are interested.  So what to do and where to go?
The two sites being advertised the heaviest right now are the freescore and freecreditreport websites.   [...]

When we talk about our credit scores, we are referring to the three scores calculated on the information stored by the three major credit reporting agencies in the U.S. and Canada: Equifax, Experian and TransUnion.  Rarely are these scores exactly the same because of different information in your credit file at each of the three [...]

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 [...]

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 [...]

You check your credit reports regularly.
You decide to get your scores a few months before you go in for that loan application.
You find out some of the items on one credit report are not on the others AND none of your credit scores are the same as the ones from the other credit bureaus.
WHY??
Well, you [...]