Best Credit Monitoring Services of 2018

According to data from the Federal Trade Commission (FTC), there were 332,646 identity theft complaints in 2014 – and a significant number of those complaints resulted in fraudulent credit card accounts and bogus charges. With large-scale data breaches becoming more and more common, the Experian/T-Mobile hack that exposed the records of 15 million T-Mobile customers…

How to Clean Up Your Credit Report in 2018

Understanding how your credit is calculated is the first step to clearing up your credit history and improving your credit scores. The FICO scoring system takes several key aspects of your credit file in order to come up with the number that the creditors use. Because all three bureaus have their own relationships with creditors…

Credit Karma Review

Whether you’re working on repairing your credit or simply want to find out where yours stands, there are plenty of credit score websites available that claim to offer free credit scores. Credit Karma is currently one of the most popular sites, offering its members credit score updates, monitoring services, and personalized advice on how to…

6 Tips to Repair Your Credit Score in 2018

Getting financially fit is a popular New Year’s resolution, but where to begin? The foundation of any sound financial plan is a good credit score. It doesn’t matter if you have bad credit, average credit, or even above average credit. The majority of Americans have room for improvement when it comes to their credit scores.…

Credit Sesame Review

Credit Sesame is a website and mobile app that provides free credit scores and monitoring. You won’t receive your actual FICO score but can use the information to gain better insights into your finances. The site’s basic services truly are free and can be a good tool to track your credit score and see how…

How to Fix Bad Credit in 2018

Finding out you have bad credit usually comes at the worst time. You may not even know your credit is bad credit until you’ve been denied for a credit card, cell phone, or car loan. Use this event as motivation to check your credit report. Upon doing so, you’ll likely find one or more negative…

Credit Bureau Contact Information (Updated 2018)

There are a number of reasons why you might need to contact the major credit reporting companies. Perhaps you want to dispute a negative item or request a freeze on your credit report. Even if you have good credit and don’t need to review or dispute any negative items, it’s a good idea to monitor…

How to Read and Understand Your Credit Report

It’s important to understand what types of information your credit report contains and how to read them. That’s because these items directly contribute to your credit score. And when you have good credit, it’s easy to qualify for financing when you need it, whether it’s a new car loan, a mortgage, or a credit card.…

What Credit Score Is Needed to Buy a House?

Renting a house or apartment comes with a number of perks, like minimal commitment to live in one place. After a certain point, however, most people want to put down roots — both emotionally and financially — and purchase their own home. Owning your own home can often be a wise investment, plus you don’t…

What Is the Average Credit Score in America? Find out Where You Stack Up.

Credit score talk is all over the place these days, from online forums to the office break room. That’s because your credit score affects just about every aspect of your life: your ability to get a mortgage, qualify for a car loan, or rent an apartment. In some cases, potential employers will even check your…