What is Your Identity Worth?
What is Your Identity Worth? Bankruptcy by David B. Coulter Share Share Email You. Taking charge of your financial life begins with knowing your net worth. Of course, the higher that value, the better off you are. The straight forward way of calculating your net worth is the sum of your assets minus the total […]
SmartCredit® Action Buttons: A Big Leap Forward for Consumers
SmartCredit® Action Buttons: A Big Leap Forward for Consumers Credit Monitoring by David B. Coulter Share Share Email Here’s something most Americans probably don’t know. Up until the FICO® score was created in 1989, people couldn’t actually see their credit score much less do anything to change it. Even worse, they were often denied credit […]
How Long Does It Take to Get Approved for a Credit Card?
How Long Does It Take to Get Approved for a Credit Card? Credit Cards by Maria Shahid Share Share Email Credit cards are a virtual necessity of contemporary life. Without them, it’s difficult to rent a car, purchase an airline ticket or shop online. Yes, you can use a debit card for these purposes, but […]
When and Why It Makes Sense to Refinance Your Home
When and Why It Makes Sense to Refinance Your Home Credit Report by David B. Coulter Share Share Email With mortgage rates hovering at record lows, many homeowners find themselves asking the question: should I refinance my home? There are indeed several factors to consider and of course, no two situations are alike. You can […]
What to Do If You Are a Victim of Identity Theft
What to Do If You Are a Victim of Identity Theft Credit Monitoring by David B. Coulter Share Share Email Fraud and identity theft are at an all-time high, thanks to the pandemic. Fraud linked to the COVID pandemic has cost Americans $382 million, according to the Federal Trade Commission. As of March 2021, more […]
The Future of Credit Scoring in 2024
The Future of Credit Scoring in 2024 Credit Score by David B. Coulter Share Share Email In the financial world today, there is perhaps no more ubiquitous metric than the credit score. For decades, FICO and other credit scoring systems have been the rigid bedrock on which the lending industry has been built, dictating access […]
Why Doesn’t Paying Off An Installment Loan Improve my Credit Scores?
Why Doesn’t Paying Off An Installment Loan Improve my Credit Scores? Auto Loans by John Ulzheimer Share Share Email “I liquidated my IRA and paid off my truck but my credit score didn’t go up.” This is another scoring myth that may not make sense, but it is based upon statistical data – the myth […]
How do I dispute an error on my credit report?
How do I dispute an error on my credit report? Civil Penalty by John Ulzheimer Share Share Email There has been a lot of discussions recently about credit report errors. First, what are some of the errors that can plague a credit report? The account is not yours, incorrect address, incorrect date of birth, name […]
What is Identity Theft Insurance?
What is Identity Theft Insurance? Credit Monitoring by Maria Shahid Share Share Email It’s evident that many people are going through financial hardships as cases continue to rise during these unprecedented times. Due to the rising cases, many aspects of our daily lives continue to be online whether it’s working, having a meeting or ordering […]
Monitoring Your Credit: What To Do if Your Info Is Exposed in a Data Breach
Monitoring Your Credit: What To Do if Your Info Is Exposed in a Data Breach Credit Monitoring by David B. Coulter Share Share Email Hopefully, you’ll never have to ask what to do if your info is exposed in a data breach, but in today’s digital age, data breaches have become all too common. Cyberattacks […]