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Credit Score & Credit Report

CPN and Dormant Social Security Numbers, Another Scam

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The Independent Mail out of Anderson, South Carolina is reporting that the CPN scam I previously wrote about, CPN – Credit Profile Number / Credit Privacy Number – Craigslist Scam to Watch Out For, is still chugging along. The numbers are usually in the name of young children who have no credit history but can also be numbers once assigned ... Read More »

    How Do You Value Your Quality of Life? Debt Solutions to Fix The Future

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    Debt doesn’t just affect the people actually in debt, it often affects the ones around them, near and dear to them. I know this from first hand experience as someone who has loved and lived with someone so deep in debt they could not see a way out. Not only is the emotional toll hard on the debtor but also ... Read More »

      A Good Credit Score Can Save Me How Much Money? – Infographic

      A Good Credit Score [Infographic]

      Often times when dealing with a financial problem it is not possible to keep your credit score in top notch condition. But after the crisis passes, striving for a good credit score is a good thing to do, even if you don’t plan to go deep in debt ever again. Here is a great infographic that explains why. Especially nice ... Read More »

        A Quarter of People Have a Credit Score Below 599

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        It’s no surprise that people struggling to makes ends meet would wind up with a bad credit score after maybe maxing out their cards, missing a payment or landing in collections. The Associated Press is reporting that FICO has stated that the credit scores for more and more people are sinking to new lows. The block of consumers that had ... Read More »

          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, 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 »

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