If you have been around the TV in the last few years more than likely you are familiar with the FreeCreditReport.com commercials.  They get with you a catchy tune that most people know.  A parody has been made by the real free credit report site, AnnualCreditReport.com.

The strings attached line is a direct reference to FreeCreditReport.com’s [...]

Category: Credit Monitoring, Credit Report, Credit Rights, Fair CreditTags: Annual Credit Report, Credit Monitoring, Free Credit Report.com | Comments (11)

A comment on a previous post about the credit score scale a commenter asked the question what credit score do employers check?  This prompt a complete research of what I believed was the answer but needed some verification.  The answer is employers actually do not check your credit score, they check your credit reports.
The rules [...]

Category: Credit Report, Credit Rights, Featured, InquiriesTags: background checks, Employment | Comments (0)

Chances are you are like most consumers and hardly ever check your credit report even though you are entitled to one free one a year.  Is it forgetfulness or the mentality what has my credit report done for me lately?  Consumers often check their credit report before a few important times such as getting a [...]

Category: Credit Report, Indentity TheftTags: credit reports, identity theft | Comments (0)

As a  minimum you should be checking your credit report once per year.  This seems to be almost a forgot thing to do by the majority of consumers.  It is usually done right before applying for a mortgage or a job.
This can almost be too late.  For example if you have a credit report errors.  [...]

Category: Credit Report, Credit Score, FeaturedTags: Credit Report Errors, Credit Score | Comments (0)

If you are trying to get a quick boost to your credit score, there is a simple method most people overlook.  Dispute errors on your credit report. BankRate.com says “70 percent of credit reports contain serious errors that might cause [...]

Category: Credit Report, FeaturedTags: Credit Report Errors | Comments (0)

There are three different credit bureaus and each of their credit reports contain the same general information.  Here is a brief overview of what you will find or could find.
Person Information
This includes your name, social security number, employer, and addresses that you have lived at.
Your Accounts
This section of your credit report is a list of [...]

Category: Credit ReportComments (0)

There is no better way to say it than what Congress stated in the Fair Credit Reporting Act.
“The banking system is dependent upon fair and accurate credit reporting.  Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning [...]

Category: Credit Report, Fair CreditTags: subprime | Comments (0)