Even God Has Credit Problems

Credit Score

Even God Has Credit Problems

Even God Has Credit Problems

God lives in Brooklyn. No, really. God Gazarov, New York resident, has been in the news lately because of a lawsuit over his credit history. Gazarov says credit reporting agency Equifax doesn’t accept his first name as legitimate, and, as a result, it falsely reports that he has no credit history. He said that snag… Read More

Does Your Credit Score Really Matter?

Credit Score

Does Your Credit Score Really Matter?

Does Your Credit Score Really Matter?

Do you use credit cards? Would you like to own a home or a car someday? If you want access to those and other loan products, you’ll likely need a decent credit score. The better your score, the more affordable the loans will be. Even if you’re not concerned with the ability to get loans… Read More

The Secret to Getting Cheaper Insurance

Personal Finance

The Secret to Getting Cheaper Insurance

The Secret to Getting Cheaper Insurance

Have your auto or homeowner insurance rates been creeping up? If so, you may have been “POed” by your auto insurer. According to new information from the Consumer Federation of America, some insurance companies are secretly “price optimizing” customers; charging them a higher rate for no other reason than they think the customer won’t shop… Read More

New Bill Would Mandate a Free Annual Credit Score

Credit Score

New Bill Would Mandate a Free Annual Credit Score

New Bill Would Mandate a Free Annual Credit Score

Americans would gain free access to their credit scores and new rights to challenge errors that keep scores low under a bill introduced in the U.S. Senate on Wednesday. The “Stop Errors in Credit Use and Reporting (SECURE) Act” is sponsored by Sens. Brian Schatz (D-Hawaii) and Sherrod Brown (D-Ohio). The legislation would force the… Read More

The Smart Way to Rebuild Credit

Credit 101

The Smart Way to Rebuild Credit

The Smart Way to Rebuild Credit

Even if you’re not the most organized person, you should have a plan for building a good credit score.  The good news is building credit isn’t complicated — you just need to know a few things to get started. Know What You’re Dealing With If you don’t know what’s broken, you’re going to struggle to… Read More

What Is a Credit Card Delinquency?

Credit Cards

What Is a Credit Card Delinquency?

What Is a Credit Card Delinquency?

If you learn only one thing about credit, let it be this: Pay your bills on time. Fail to do so, and you’ll have trouble getting loans or credit cards. Think of it this way: When you apply for a job, your potential employer looks at your resume and watches out for any indication you… Read More

What Can I Get Removed From My Credit Reports?

Credit 101

What Can I Get Removed From My Credit Reports?

What Can I Get Removed From My Credit Reports?

In the Disney classic “The Lion King,” the ever-wise meerkat Timon tells the troubled Simba: “You got to put your past behind you.” Timon has obviously never had to deal with credit reports. If you have negative information in your credit history, you probably want to move on from it a lot faster than the… Read More

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