Fico Scores »

Posted on 10 May 2018 | 1,184 views
Chase Bank Offering Customers Free FICO Scores in 2015

Following the lead of Discover, Barclay’s and Citibank, Chase Bank will begin offering some of its customers their free FICO Score. This access will help consumers determine where they stand before they apply for credit, apartments, cell phones and more. Here’s what you need to know about FICO Scores and how to access them for free.

Free Credit Report »

Posted on 10 May 2018 | 3,533 views
Free Access to Credit Scores Act

Free Access to Credit Scores Act — Consumers already have the ability to request their free credit report once a year, but a credit report does not include your credit score. These two items are often confused to be the same, which they are not. You generally must pay to see your credit score — it’s a three-digit grade that predicts how risky you are to a lender.

Rebuilding Credit »

Posted on 9 May 2018 | 1,539 views
Can I File Bankruptcy on Credit Cards Only?

You can file bankruptcy on just credit cards — you must list all of your credit cards and all of your debts when you file bankruptcy. Some people have gotten the wrong idea that bankruptcy help is no longer available for credit cards, medical bills or other categories of bills. The credit card industry spent millions of dollars promoting an anti-debtor message, which resulted in the passage of the pro-creditor bankruptcy amendments, BAPCPA — the myth grew with all the media stories about the law changes.

Credit Repair Letters »

Posted on 9 May 2018 | 10,578 views
Equifax, Experian and TransUnion Credit Bureau Contact Information

A credit bureau gathers information about how consumers use credit. In other words, they collect information from as many consumer financial transactions or inquiries as they can. They then sell access to that combined information to anyone who has a legally-recognized reason (permissible purpose).

Rebuilding Credit »

Posted on 8 May 2018 | 4,158 views
Secured Credit Card for Credit Score Rebuilding

Secured credit cards are great for establishing or rebuilding your credit history. Unlike prepaid cards, secured credit cards give you a credit line, and your payment activity will be reported to the major consumer reporting agencies.