May 9th, 2013
It is easier than ever for criminals to access your personal information, but taking these steps can help protect you from identity theft.
Shred Your Documents
The mail you receive each day likely contains important personal information. Think about the info on your bank statements, drivers license renewal forms, credit card offers and other mail. Each of these things can make you vulnerable to identity theft, so shred your mail instead of tossing it in the trash.
Be Smart When Creating Passwords
Choose passwords that are impossible to guess instead of using your dog’s name, birth day or Read the rest of this entry »
March 20th, 2013
Your credit score is very important, and it can have a major impact on your day-to-day life. Not only do you have to have a decent credit score in order to get a decent deal on a loan for a home or car — or even to get approved at all — but your credit score can also have an effect on your utilities, the places that you can rent and even whether or not you will be able Read the rest of this entry »
March 21st, 2012
Your credit score is determined by the amount you owe on your credit card and the rate, consistency and reliability you show in meeting this balance and paying it off. If takes into account all of your investments you have put on the credit card – car payments, clothing, food, Texas electricity services, house mortgages, etc. – and it basically is a score through which other services use to determine your worth, basically, as surgical as that might sound.
The way it works is that there are sometimes investments in our lives that we simply can’t outright pay for and we have to rely on loans or credits to make the initial investment that we will basically spend time, after, paying off. This is what is known as debt, just in case you were wondering. However, car companies, the housing market, and even purchasing a new computer from companies that offer plans – these services are all essentially making an investment on your behalf and they want to make sure that their investments will yield fruit in the coming years. They don’t want to shell out a couple thousand for your new car or house or computer if they don’t think you are going to be able to pay it off and the only way they can make sure that you will is by checking your credit score to see if you are reliable.
Having a good credit score is key for some of life’s bigger investments and all you need to do is keep up with your payments which, really, you ought to be doing anyway.
September 29th, 2011
TransUnion provides the credit assistance families need when they need it the most. There are many families out there right now who are seeking to purchase a new home or even have repairs and maintenance performed on their existing place of residence. The bad news is that in most cases, a bad credit score can hinder someone’s ability to get a loan with favorable terms. There is a light at the end of the tunnel, though. TransUnion is a company which provides the tools that people Read the rest of this entry »
September 25th, 2011
Transunion is one of the three major credit bureaus in the United States. When you apply for a loan or credit card, your credit is checked through a credit bureau and you are given a score based on your credit ratings. Companies that you have business dealings with report, usually monthly, to Transunion, as to if you paid your bills on time, how much you paid and whether or not you have any late payments. Transunion keeps Read the rest of this entry »
September 25th, 2011
Transunion is one of the three major credit bureaus in the United States. When you apply for a loan or credit card, your credit is checked through a credit bureau and you are given a score based on your credit ratings. Companies that you have business dealings with report, usually monthly, to Transunion, as to if you paid your bills on time, how much you paid and whether or not you have any late payments. Transunion keeps track of all this information in addition to how much money you owe to each company and what you have paid Read the rest of this entry »
September 21st, 2011
Perhaps you have recently considered taking out a car, home, or other big purchase and have heard from your family and friends that your credit will greatly affect your eligibility to get approved for a loan. If you have now become curious as to where you stand with the credit companies, there are ways to now access your credit report instantly. All in all, there are three major credit reporting agencies and many websites will offer you the ability to view all of them at once. However, for the most part, you only need purchase one in order to Read the rest of this entry »
September 18th, 2011
It is easier to improve your credit if you have the correct tools to do so. Equifax supplies you with your credit information so you will be able to easily monitor your credit.
The free credit reports offered by Equifax lets you check on your past credit information. It also lets you in on the current credit information you have as well as showing you the details of any companies or employers that are checking into your credit information.
You can get free online credit reports from Equifax so you are able to note how much you owed and Read the rest of this entry »