Credit Reports

• Who’s Looking at Your Credit Reports?

  You might have been surprised when your auto insurance rates went up. You did not get into an accident nor did you get a ticket. You can’t seem to figure it out, so you call your insurance man and find out that they checked your credit report and found that you were a credit risk. This may cause your rates to skyrocket and even worse if you look to change providers the new company may not accept you because of your credit score.

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• 7 Ways You Can Get a (Truly!) Free Credit Report

  Are you sick of hearing about “free credit reports” that aren’t really free?  Us too!  So we’ve compiled a list of 7 ways you can get a REAL free copy of your credit report (without having to sign up for a 7 day free trial or other scam). 

  In the United States, Government credit laws provide consumers with an ability to obtain free credit reports. There are a number of ways to get a free credit report (and no, they don’t all involve signing up with sites like FreeCreditReport.com!!).  Here are a few ways to get your free credit report. Keep in mind that while credit reports may be obtained free from the credit bureaus they are not obligated to give consumers credit scores for free. Getting your report just makes good financial sense as your finances are reflected on the pages of your credit report.

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• Been Denied Credit? Here’s What To Do

  Have you applied for a mortgage and been told you don’t qualify?  Or a new car loan, and told that your credit is not good enough to qualify for the special teaser rates?  Unfortunately, it happens all too often nowadays—more and more people are receiving credit denial letters.  If you receive one, here’s what you need to do.

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• The Big Three Credit Bureaus: About the Equifax Credit Bureau

  Continuing our series of articles about the big three credit bureaus, here’s a look at the Equifax credit bureau.  Equifax has a long and interesting history.

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• The Experian Credit Bureau—What You Need To Know About Them

  No series of articles about the Big Three Credit Bureaus would be complete without an article about Experian, one of the largest credit bureaus in the world. 

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