Identity Theft and Your Credit Score
Fraudsters and security experts are engaged in a constant cat-and-mouse battle. As the latter creates more advanced security methods, the former develops new ways to exploit them. This means that while cyber security is more advanced than ever, identity theft and online fraud is more common than ever and becoming increasingly common with each passing […]
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Data Breaches and Your Credit Score
Your data is incredibly valuable to the companies tasked with selling you products and services. It can help them determine what you’re likely to be interested in and how much you’re likely to spend, information that is often sold to the highest bidder, whether you realize it or not. Start raising your credit score today. […]
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Cancelling Credit Cards and Your Credit Score
Debt isn’t always straightforward nor is it always a bad thing. You can have a $500,000 mortgage, a couple of car loans, and $50,000 in credit card debt and still live comfortably with a strong credit score. At the same time, however, you could have a personal loan of just $2,000 that cripples you financially […]
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Opening New Credit Cards and your Credit Score
A brand-new credit card can impact your credit score in numerous ways. In the early stages, your score will suffer a slight drop depending on how high it was to begin with. Once this period is out of the way, you can work on steadily improving your score, building a high credit limit and earning […]
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Freezing Your Credit
In the age of paperless transactions, identify theft is something that virtually all of us are susceptible to. If your identity is stolen, the consequences can be severe, and in some cases, can take years to recover from. One way to be proactive against fraud and defend yourself from identity theft, is to freeze your […]
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How to Use Unsecured Credit to Build Credit
If your credit is poor you may struggle to qualify for unsecured cards and loans, and if you don’t have access to unsecured credit, it’s hard to rebuild your credit score. Start raising your credit score today. It’s a Catch 22—a cycle of persistent and seemingly inescapable debt that millions of Americans find themselves in. […]
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How to Read Your Credit Report
We’ve said it many times before but it’s always worth repeating: Your credit report is one of the most important things you have. A clean, strong report can make your life easier; a bad one could stop you from getting a mortgage and opening new credit accounts. But how can you read your credit report […]
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How to Build Credit with Fingerhut
If you’ve been wanting to make a big purchase, but your credit is less than spectacular, you might have looked into Fingerhut as an option. Start raising your credit score today. Fingerhut is an online catalog and retailer that showcases a multitude of products. On this website, customers can shop for anything from electronics to […]
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Auto Insurance Scores: The Surprising Truth about How Credit Affects Car Insurance Rates
An insurance score, otherwise known as an insurance credit score, is a rating calculated by insurance companies based off of certain credit report features. It is not directly related to your financial credit score, because this numerical point system is used to predict risk rather than creditworthiness. Start raising your credit score today. However, the ways […]
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Late Payments, Credit Scores and Credit Reports
A missed credit card or loan payment can have a seriously detrimental effect on your credit report. The golden rule of using a credit card is to make your payments on time every time, building a respectable payment history, avoiding debt, and keeping your creditor happy. Start raising your credit score today. But what happens […]
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