Consumer Reporting Agencies Make Changes To Their Dispute Systems
With the help of the CFPB consumer reporting agencies (Equifax, Experian & TransUnion) have made some small changes in the way they handle disputes. When a consumer finds incorrect or inaccurate...
View ArticleFree Credit Monitoring – Home Depot
We’ve all heard of the massive data breach at Home Depot, bigger than last years Target breach – 40 million cards to 56 million cards. But at those numbers, who’s counting? Someone noted that after the...
View ArticleMy Experience Signing Up for REDbird and Some Identity Verification Ponderings
Getting the Bird I was passing through Maryland, and decided to stop into Target for a REDbird. Currently I have Serve and I’m not planning on switching right now since we all assume that the...
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Can you REALLY Hide Manufactured Spend from your Credit Report?
This is another post in our Manufactured Monday series. We try to offer some insights into manufactured spend each Monday. You can view all posts in this series by clicking here. Hide MS Some people...
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Thoughts on App O Ramas and Instant Alerts from Credit Sesame
Instant Notifications We reported that Credit Sesame is switching over from displaying the information in your Experian credit report to your Transunion report, see Credit Sesame Switching to...
View ArticleComplete Guide To ITIN’s: Applying For Credit Cards, Credit Reports & Credit...
What Is An ITIN? A reader recently asked me what credit cards they could apply for using an ITIN. For those not familiar ITIN stands for Individual Taxpayer Identification Number, these numbers are...
View ArticleAll You Need to Know about Credit Reporting on Business Cards
In this post, we’ll discuss how business credit cards affect your credit report, and how banks will report the details of a business credit card on your credit report. Background When applying for a...
View ArticleCredit Reports & Scoring Reference Pages
We write a lot of content on this site, the downside to this is that a lot of the information is only usable for a limited time. This unfortunately means that information that is always useful is more...
View ArticleBank of America Credit Card Approvals without a Hard Pull?
update: a number of data points have rolled in and I feel pretty comfortable stating that this is a generally applicable rule. How close the applications need to be is up in the air, but 30 days seems...
View ArticleEquifax Will Allow Consumers To Lock & Unlock Their Credit Report For Free...
Interim Equifax CEO Paulino do Rego Barros Jr has published an op-ed piece of WSJ titled “On Behalf of Equifax, I’m Sorry”. In this piece he states that consumers will have until the end of January to...
View ArticleStrengthen your Credit with an Installment Loan using the Secured Loan Technique
Update: Originally post on August 4th, 2016. Reposting because according to this post on myFICO Alliant will be discontinuing their Share Secure loans on January 2nd, 2018. Currently (5/27/18), the...
View ArticleBipartisan Bill to Prevent Credit Bureaus from Charging Fees for Freezing and...
A bipartisan Senate bill, slated to be approved this week, will prohibit credit bureaus from charging for freezing or unfreezing your credit report. The bill would require credit-reporting agencies to...
View ArticleShould I Keep My Credit Report Frozen? An Updated Look At Pros/Cons
Update 09/20/18: When I originally posted this article I stated that you do still receive pre-screened offers. This was based on information found on the FTC website. Readers rightfully pointed out...
View ArticleStimulus Bill Forbids Credit Agencies From Issuing Negative Marks For Certain...
Many banks and other companies are helping those who can’t pay due to pandemic to delay or defer payments. The new stimulus bill, which will soon be signed into law, provides some protection for...
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Get A Free Weekly Credit Report From Equifax, Experian & TransUnion (Now...
Update 9/20/23: This has now been announced as a permanent change. Update 9/24/22: Extended through the end of 2023. Update 4/22/22: Extended through the end of 2022. Update: These will be available...
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