credit history

It Pays to Check Your Credit Report

The FTC recently completed its fifth national study on the accuracy and completeness of consumer credit reports. A credit report includes information on where you live, how you pay your bills, and whether you’ve been sued, or have filed for bankruptcy. Nationwide consumer reporting companies sell the information in your report to creditors, insurers, employers, and other businesses that use it to evaluate your applications for credit, insurance, employment, or renting a home. Continue Reading >

Shedding Light on the Credit-Reporting Industry

Whether it’s after a shopping spree or before you make it big purchase, it's probably a wise move to check your credit report. You can get a free credit report from each of three largest credit bureaus (Equifax, Experian, and TransUnion) once a year at AnnualCreditReport.comContinue Reading >

What do they have on you?

You know that credit reports reveal your borrowing and payment history, but are you aware there are dozens of other “specialty” consumer reports that track everything from your rental history to your prescription purchases? These reports can affect your ability to write a check, obtain insurance coverage, a job, a cellphone or even a place to live.  Continue Reading >