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New laws will make it easier to protect your child from Identity Theft

In a study from Javelin Strategy and Research published in May, more than one million children were victims of identity theft in 2017. Of those, 66% were under the age of eight. Up until now it was … [Read more...]

One Simple Mistake That Can Drop Your Credit Score

There are many obvious actions that can cause a credit score to drop such as making late payments, maxing out a credit card, etc. But there is one seemingly innocent action that you’ve probably never … [Read more...]

Clarification on Upcoming Changes to Credit Reports

There have been a lot of questions cropping up surrounding the changes coming in June to credit reports. These changes are due to the settlement agreement from 2015 between the credit bureaus and … [Read more...]

What Exactly is a Rescore?

A “Rescore” is the updating of information on a credit report at the bureau level in an expedited manner. It is not credit repair and it is not a manipulation of the credit report. Eventually the … [Read more...]

How Safe is Your Child’s Identity?

In this day and age everyone has been taught at least a few ways to protect their identities against theft. But what about your children’s identities? Social security numbers are issued at birth and … [Read more...]

Revolving Accounts – What You Need To Know

Revolving balances play an important role in your credit score calculation. The total of your revolving debt makes up about 30% of your credit score. Balances on installment loans don’t have any … [Read more...]

Checking Your Credit Report is a MUST!

Approximately one-third of the population doesn’t check their credit reports every year. Almost one-fourth have never checked them at all. Not checking your credit report on a periodic basis puts you … [Read more...]

Credit Bureaus to Step Up Public Record Accuracy

As the result of discussions between a group of state Attorney Generals and the three major credit reporting agencies (Experian, Trans Union, Equifax) the National Consumer Assistance Plan (NCAP) was … [Read more...]

How Public Records End Up on a Credit Report

There are three kinds of public records that can appear on credit reports: Bankruptcy Chapter 13 and Chapter 7, state and federal tax liens and civil judgments. However unlike creditors who are data … [Read more...]

Length of Time Items Stay on a Credit Report

How long do items stay on a credit report? A lot of people will answer that question with a simple: “seven years.” In some cases this is true. Overall though, it’s not that simple. Both positive and … [Read more...]

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