There are companies that help people with bad credit by using a variety of strategies, such as removing negative items through negotiation, identifying and correcting errors, etc. Since the industry is made up of scams, it is important that people make their choice of a company. Not all cheap credit repair services are legitimate. It…
Anyone who has bad credit should really work hard to remove those negative items and get that score back. Since this can be a difficult process, it may be to your advantage to work with one of the best credit repair companies and let them do all the hard work. The DIY approach isn’t for…
The Federal Trade Commission reports identity fraud occurs once every two seconds. At this point one is losing or compromising one’s identity. Unfortunately many of those victims are located in my hometown, St. Louis, Mo. A good example of this growing problem, St. Louis ranks third among all metro areas nationwide in identity theft. Missouri…
If you’re tired of being turned down for credit cards and/or loans, maybe it’s time to repair your credit report. And many of you turn to professional services because reviewing reports, removing negative items, and making repairs can be a difficult process. However, not all of these services are worth the time and investment. Some…
Here’s what consumer advocate Clark Howard says: “Credit freezes are the most effective tool against economic ID theft available to consumers.” So I wonder, why aren’t more people doing it? My husband Mark and I recently had to remove the security freeze from our credit reports to allow a ‘third party’, a potential landlord in…
Getting a personal loan of any size when a low credit score hangs over your head can be difficult, especially when approaching a traditional lending institution. But it is worth noting that even a $5,000 personal loan for bad credit is not impossible to obtain. The necessary cash can be secured only by adopting alternative…
Once identity thieves have access to your personal information, they can empty your bank account, rack up charges on your credit cards, open new utility accounts or get medical treatment using your health insurance. can also be obtained. Worse, a thief may even be able to file tax returns in your name and get your…
Did you know that even after the loan is repaid, banks and other creditors may continue to list the loan on your credit report? When your credit report shows a loan that hasn’t been paid, your credit rating can take a huge hit. In some cases, that bad credit rating may also mean that you…
Having a baby is great news, but it can also be a scary thing. Not only are you solely responsible for your child’s well-being, but you also have a duty as a parent to ensure that your child is protected in every way possible – this includes protecting your child’s credit is included. Identity thieves…
Do you remember the excitement around your first credit card? You probably applied for a credit card when you went to college, or maybe your parents gave you some advice. Either way, you’ve had that card since your teens or early 20s and it probably isn’t the biggest card in your wallet. It may have…