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Credit Score & Credit Report

How to Rent an Apartment With Marks on Your Credit

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If you’ve had credit problems in the past, you may find it difficult to rent an apartment through traditional means. Many rental agencies and some private landlords do “credit checks” before renting, and a poor payment history can hold you back from getting the place you want. But don’t give up! You do have options, especially if you are willing ... Read More »

How to Be Financially Successful When You Graduate

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Congratulations! You’ve made it through the starving student years and now you’re ready to start a job and earn some real money. You’re probably thinking about all the things you’ll be able to buy, places you’ll go and things you’ll be able to do when those paychecks start rolling in. Not so fast. If you’re like all the people who ... Read More »

Plastic Power: Smart Strategies for Making the Most of Your Credit Cards

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At GetOutOfDebt.org, we help thousands of people with too much debt. So you probably figure we’d think credit cards are terrible, right? Wrong! Credit cards can be a great tool and can even save you money if you’re smart about how you use them. That doesn’t mean charging up a storm on things you can’t afford, or even using your ... Read More »

Parents: Helping Your Child With Credit Problems

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George’s parents were applying to refinance their home when they found that George had opened several credit card accounts using their names. He even forged their signatures. When they confronted him, he simply shrugged and told them he couldn’t qualify on his own – how was he supposed to get credit? Sarah’s parents cosigned a credit card application for her ... Read More »

Do It Yourself Guide to Credit Reports: 10 Ways to Improve Your Credit

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So your credit’s not so hot. A few late payments, maybe an account or two that went to collections. What’s the big deal? As you’ve probably found out, it may be a very big deal. You’ve probably already been turned down for the best credit cards and maybe you’ve had trouble getting a car loan. Perhaps you’ve even put off ... Read More »

Insurance Scores: How Your Credit History Affects Your Insurance

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What does the information in your credit report have to do with your automobile or homeowner’s insurance? Perhaps more than you think! Many insurance companies these days use insurance scores to help determine eligibility for their policies, evaluate policies for renewal and sometimes to determine rate discounts. Insurance scores are popular with insurance companies because they have been proven to ... Read More »

Credit Card or Debit Card: The Great Debate

Credit Card vs. Debit Cards A Side-by-Side Comparison

Having trouble getting approved for a credit card? Do you have bad credit? Maybe a debit card is the answer. Today, more and more banks and financial institutions are rushing to issue their customers debit cards. In fact, many of these companies routinely issue “enhanced” ATM cards that can also be used as debit cards to make purchases. This article ... Read More »

How to Get All the Cheap Credit You Want

Interest Cost to Pay Off Various Credit Card Balances

Today, the average person pays between 16 and 17 percent on credit card balances. While interest charges may seem low when you look at the monthly charge on your statement, over the long run they can really add up. In fact, the average person can put a hundred bucks or more in his or her wallet just by getting a ... Read More »

Credit Scoring: How it Works and How You Can Improve Your Score

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What Is Credit Scoring? If you have tried to get credit, a loan or a mortgage, you may have had your credit information graded for risk potential. This is called “credit scoring” or “risk scoring.” Credit scoring is one factor that lenders or creditors consider to determine if they should give you a loan, a mortgage or extend you credit. ... Read More »

Casino Credit Bureau Central Credit Settles Charges With the FTC.

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A nationwide speciality consumer reporting agency that provides casinos with credit reports that are used to assess customers’ eligibility for credit and check cashing has agreed to settle Federal Trade Commission charges that it violated the Fair Credit Reporting Act (FCRA). The settlement requires the company to pay a $150,000 civil penalty and bars future violations of the FCRA. According ... Read More »

DEC Credit Corrections in California Makes The News, Not in a Good Way

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Here’s the scene. Wide shot of Beverly Hills residents getting hammered in a bad economy, running up debt and losing retirement savings. Cut to next scene where Donna Chavez of DEC Credit Corrections collects $1,000 from this out of work, senior, psychiatrist, who was disabled after back surgery. Donna is alleged to have made promises to cut their $100K debt ... Read More »

Legally Change Your Name But Not Your Social Security Number to Get Good Credit

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Here is a new trick that is totally not worth the $3,999 that’s being charged, let alone $39, in my opinion. This company that is promoting you can have a good credit score by legally changing your name but keeping your old social security number. Now from the advertisement above it sounds miraculous. But how about this statement, “Only use ... Read More »

CPN – Credit Profile Number / Credit Privacy Number – Craigslist Scam to Watch Out For

While searching out scams to avoid recently I came across many that were willing, for a fee, to help me repair bad credit using a CPN or Credit Profile Number. There is a lot of misinformation online about the CPN but what you need to know is you can’t use a fictional number in place of your valid Social Security ... Read More »

Why Opting Out of Changes in Credit Card Terms Can Be a Bad Idea

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I just answered a question from a reader that mentioned that she was going to opt out of a change in terms by her credit card company so she could keep her interest rate where it is now. While that certainly seems like a logical move and a good thing to do, it simply might not be. Opting out has ... Read More »

Inside Information on Credit Reports and Credit Scores

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How The Financial World Judges You Today, your credit report and credit score dictate how much you pay for credit, insurance and other services. It is the measurement others use to determine their risk in doing business with you. Having a professional review your credit report and credit score with you are critical to saving money, avoiding identity theft and ... Read More »

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