42% of Americans Don’t Get Their Free Annual Credit Reports

Credit Score

42% of Americans Don’t Get Their Free Annual Credit Reports

42% of Americans Don’t Get Their Free Annual Credit Reports

People may wait in excessively long lines to get a bite-sized sample at Costco, but nearly half of Americans don’t take advantage of a much more important freebie. According to a new Equifax survey, most consumers know they have access to free credit reports each year, but 42% don’t seem to be capitalizing on the... Read More

Disputing My Credit Report Error Didn’t Work. Now What?

Credit Score

Disputing My Credit Report Error Didn’t Work. Now What?

Disputing My Credit Report Error Didn’t Work. Now What?

There’s nothing more frustrating than seeing something that’s wrong or unfair on your credit report and being unable to fix it. That pain point is especially difficult when you’ve already gone through the process of disputing an error (or many errors) with the major credit reporting agencies and, for one reason or another, your dispute was... Read More

The $600 Savings Some Americans Are Getting From Obamacare

Personal Finance

The $600 Savings Some Americans Are Getting From Obamacare

The $600 Savings Some Americans Are Getting From Obamacare

Love it or hate it, Obamacare seems to be working, at least for low-income Americans who otherwise wouldn’t have access to healthcare. That’s according to a working paper published Monday by the National Bureau of Economic Research, which found that offering health insurance to these consumers helped them avoid insurmountable debt. For those newly covered by Medicaid since 2014,... Read More

Can My Kids See My Credit Report?

Credit Score

Can My Kids See My Credit Report?

Can My Kids See My Credit Report?

To view your credit report, you typically have to provide the credit reporting agencies with your Social Security number. You’re also generally asked to answer some security questions, based on information on your credit file, to verify it is, in fact, you requesting the report. (Sample Q: What is the name of your student loan servicer?)... Read More

Don’t Visit Your Parents? That’ll Hurt Your Credit Score in Shanghai

Credit Score

Don’t Visit Your Parents? That’ll Hurt Your Credit Score in Shanghai

Don’t Visit Your Parents? That’ll Hurt Your Credit Score in Shanghai

If you think the credit scoring system in the U.S. is onerous, check this out: Chinese adults living in Shanghai who don’t regularly visit or call their parents could see their credit scores lowered as punishment, according to Chinese media reports. New regulations, which take effect next month, are designed to bolster 2013 legislation aimed at getting Shanghai adults to “visit and... Read More

The Most Important Thing John Oliver Got Right in His Epic Credit Report Rant

Credit Score

The Most Important Thing John Oliver Got Right in His Epic Credit Report Rant

The Most Important Thing John Oliver Got Right in His Epic Credit Report Rant

Comedian John Oliver took credit reporting agencies to task on his HBO show, “Last Week Tonight,” on Sunday, saying the agencies should be more accountable for errors in reporting personal credit information for American consumers. “Credit reports. The basis for the single-most important three-digit number in your whole life, other than, of course, 311, the... Read More

Can My Mom See My Credit Report?

Credit 101

Can My Mom See My Credit Report?

Can My Mom See My Credit Report?

Credit reports are a really personal thing. Think about it: Not only does it document every little credit mistake you made, dollar you borrowed or account you opened in the last several years, it also contains a lot of sensitive information, like your address and Social Security number. That’s a big reason why the credit... Read More

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