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credit history



  • Negatives on Credit Report from Student Loans

    I have negatives on my credit report (CR) from two types of debt. Nine of the negatives are from student loans that I thought were in deferment but where not. Once I found out I made a...

    • Posted March 2, 2012
    • 5
  • Credit Scoring is a Scam and a Fraud

    I was just sitting here and noticed that someone searched for “credit scoring is a scam and a fraud.” Kind of an interesting search. Frankly I never thought of it like that. But that reality is that...

    • Posted January 29, 2012
    • 6
  • I Missed My Credit Card Payments and I’m Freaking Out. – John

    “Dear Steve, I am a student. Graduating from a university with a Bachelors Degree in business. I have 3 credit cards and a car loan. I am behind one month on 2 of my credit cards. I...

    • Posted November 26, 2011
    • 0
  • Bad Credit Is Bad News for the Unemployed

    A recent report from Inc. Magazine says at that at least 60 percent of employers run credit checks on potential job applicants at least some of the time. This is a 17 percent increase from 2006. And...

    • Posted November 3, 2011
    • 2
  • The Credit-Scoring Scam of the Century

    Are you a victim of the credit scoring scam of the century? If you have a credit card, there’s a 50/50 chance that you are. What Is the Credit Scoring Scam of the Century? About half of...

    • Posted October 25, 2011
    • 0
  • True Cradle Robbers – Stealing Credit From The Cradle

    It’s often not a parent’s first thought to check the credit report of their minor child, however, it may now become a necessity. Not because a child may fraudulently be using credit without their parents’ knowledge but...

    • Posted October 17, 2011
    • 0
  • Verizon is Listing Accounts on My Credit Report I Don’t Owe. – Marc

    “Dear Steve, Checking my credit report I found verizon phone company had 4 derogatory accounts listed ( two had claim skip tracing on them), which I have no recall on. three claim to be accounts started same...

    • Posted October 5, 2011
    • 1
  • Your Roster Number is Your Credit Score

    Whenever I was in basic training, each recruit, each private was assigned their own roster number. That roster number was our identifier. We had to put it on all our gear. I had to have it strapped...

    • Posted October 5, 2011
    • 0
  • Easy Credit – Logansport Pharos, Logansport, Indiana, May 15, 1886

    ONE lesson taught by the hard times, says a current writer, is to keep out of debt, and how to do it. “This Is a forced lesson like some of the others, but none the less valuable,...

    • Posted December 26, 2010
    • 0
  • Insurance Scores: How Your Credit History Affects Your Insurance

    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,...

    • Posted June 1, 2010
    • 0
  • Carolyn Writes In And Wants a New Mortgage In Bankruptcy

    “Dear Steve, My husband and I are in bankruptsy, we have a 3 year plan with one year left on the plan. Our mortgage company has us on an ARM and wont remodify our loan. How can...

    • Posted May 5, 2010
    • 0
  • Secret Credit Bureaus You Don’t Know About, But They Know About You

    So let me tell you a story about secret credit bureaus that you don’t know about. Most of us have some knowledge about the three major credit bureaus that hold our credit report and credit score. The...

    • Posted December 7, 2009
    • 1
  • Bankruptcy Filers Can Easily Get Better Credit Scores Quickly

    When people go bankrupt their finances become a painful chapter in their lives. They avoid credit and shun anything to do with their credit reports or credit scores. And that’s a mistake. Going bankrupt is painful enough...

    • Posted February 20, 2009
    • 0
  • Is a Credit Card a Right or a Privilege? – Personal Finance Bloggers Question of The Week

    This weeks personal finance brain trust question was: Is having and using a credit card a right or a privilege? WC – A 27-year-old writer living in Chicago and writing about personal finance through The Writer’s Coin....

    • Posted November 20, 2008
    • 4
  • Graduate From College With Good Grades And Get A New House

    An inovative new program from Paul Quinn College in Dallas, Texas significantly rewards students that graduate within five years, with a grade point average of 3.0 or higher, secure employment in the Dallas metropolitan area, maintain a...

    • Posted November 12, 2008
    • 0