Monthly Archive:: October 2017

What to Do If an Employer Wants to See Your Credit Report

If an employer asks to see your credit score as part of a job application, be wary — for a few reasons. First, it’s illegal for employers to check your credit score. Second, they’re probably confusing a credit score with a credit report, and

Chase Personal Loans for Bad Credit

Chase Bank, as one of the largest banks in the country, has an extremely large portfolio of products. These products range everywhere from credit cards to savings accounts to mortgage loans. That said, Chase does not currently offer personal loans. Even if you have

Fraud Alert Vs. Credit Freeze Vs. Credit Lock – What Are the Differences?

In the wake of the Equifax data breach that the credit bureau announced in September that left millions of people with stolen identifying information from their credit data, consumers have been warned to take extra steps to protect their personal information. Checking a credit

Credit Repair Software: Rip off or Legit Way to Fix Bad Credit?

I’ve recently had quite a few readers write in and ask me about credit repair software. The questions generally center around what exactly is credit repair software and is it an effective way to repair credit. I think it will be beneficial to go

Let’s Face It – Social Security Numbers are Obsolete

The nine most protected numbers that you probably have memorized and try not to give out too often aren’t as secure as you might think. The data breach in September of Equifax, one of the three major credit bureaus, led to Social Security numbers,

How to Remove Medical Collections From Your Credit Report

Medical bills are causing a lot of problems for people. In fact, according to the Kaiser Family Foundation, nearly a quarter of all Americans are struggling to pay their medical bills —including those who have health insurance. The good news is that even if

How Collection Agencies Work

You may not know it when a debt collector calls, but some have bigger incentives than others for pushing you to pay. There are two types of collection agencies: Ones that are hired by creditors to collect debts, and those that buy old debts

How Medical Credit Cards Work

Being told by a dentist that you need a root canal is bad enough. Figuring out how to pay for it only adds to the pain. Some dentists and other health care professionals such as eye doctors, audiologists and even veterinarians offer medical credit

Best Credit Monitoring Service – Our Picks for 2018

As one of the three major credit bureaus, TransUnion has one of the most popular credit monitoring services (and the one I use). Their service includes unlimited credit report and score updates, as well as up to $1,000,000 in identity theft insurance. This is