You have been doing it for years. The hardship it took to raise her, nurture her, always being cautious, and to keep her on the straight and narrow. But somewhere along the way she went astray. You might think I am talking about your daughter, but no. I am talking about… your credit score…..gasp!
Your Credit Score There’s a lot of hype these days regarding knowing your score and identity fraud, like the catchy commercial to get your “free credit score” by signing up for a credit monitoring service. Do your wallet a favor and don’t. Most of your credit is made up of: what types of credit (for example, mortgages, car… Read More »
When you get into trouble, document the reasons for your hardship and sent your creditor a certified letter. Make sure you tell them that they are not to call your place of work as your employer does not allow you to take personal calls. Tell them not to call your relatives, friends or neighbors. They want money which… Read More »
Throughout our lives, banks, lenders, landlords, insurance companies, stores, and often employers, gather information about our credit for one reason or another. Due to the abuses of reporting by various agencies (or simply human error), Congress, in 1970, passed the Fair Credit Reporting Act as part of the Consumer Credit Protection Act.