By Amanda Morin
As identity theft becomes more prevalent, it's important to know what steps you can take to protect your credit rating. If you think your identity has been stolen or that a vindictive person is attempting to ruin your credit, you can contact the credit bureaus to place a fraud alert on your credit report. Once a fraud alert is placed, you should be contacted by phone whenever an attempt is...
By Cindy Ausbrooks
The Fair Credit Reporting Act of 1970 allows the major credit reporting agencies to sell your personal information to companies that want to send you credit card offers in the mail. However, some people hate the temptation of these offers when trying to repair bad credit, and some fear that their children will fall prey to such offers. There are several ways you can have your name removed from...
By Paul Bright
You may have seen commercials or web advertisements asking you if you know what your credit score is. Your credit score can seem like an all-powerful number that can make a huge difference in how much money you pay in interest for credit. This article will explain what a FICO score is and what it is used for. The FICO score was created by the Fair Isaac Corporation. Fair Isaac was founded in...
By Love to Write
Equifax is a credit reporting agency that reports personal and financial information when an inquiry is made with one's social security number. This report displays financial history--including past credit history, payment timeliness, open accounts, and lines of credit. Many borrowers prefer Equifax over the other two credit reporting agencies because of the higher score that they often times ...
By Diane Dilov-Schultheis
A budget is a plan you form from everyday expenditures and income. You can allocate earnings to specific expenses, pay off debts, savings or retirement. It keeps your money in order and assists in saving for future occasions. Making a budget is helpful, gives organization of your money and provides an overall examination of your financial situation. Budgets can be created in numerous forms. A...