Curtis Arnold
Curtis Arnold, Editor-in-Chief
Joe Taylor
Joe Taylor Jr., Reporter
Amber Stubbs
Amber Stubbs, Managing Editor

Credit Reports

Late fees are down: the sequel

Written by Geoff Williams
Posted On: August 24, 2011

Paying on time is becoming in vogue again. Here's hoping this trend lasts. [...]

Posted in Credit Reports | Citi Credit Cards | Credit Card Fees | 0 Comments

Denied for the best credit card? Lenders now required to say why

Written by Geoff Williams
Posted On: July 21, 2011

You may soon get a free credit score in the mail. But trust us, you don't want it. [...]

Posted in Credit Reports | Credit Card Laws | Credit Score | 0 Comments

FICO 2008 - Demystifying the Latest Version of the Famed Credit Score

Written by Mike Killian
Posted On: March 6, 2009

Prior to 1989, credit approval was subjective and time consuming. If an underwriter did not like the color of your hair, you might not be considered for your loan. Similarly, each individual's credit report had to be viewed and analyzed, which often added days or weeks to the loan process. All of that changed with [...]

Posted in Credit Reports | Credit Score | 0 Comments

Altenative Credit Scores Provide Hope for Millions

Written by Shane Tripcony
Posted On: February 5, 2009

I would like to share some good news for the estimated 50 million consumers that have no credit rating or a limited credit history. There is now a viable option for establishing credit outside of the traditional avenues. The National Credit Reporting Association (NCRA)--a trade group representing small regional credit agencies--in combination with an organization [...]

Posted in Bad Credit | Credit Reports | Credit Score | 0 Comments

Charge for New Credit Monitoring Service Cheapest Thus Far (Only $4.95/Month)

Written by
Posted On: March 23, 2006

Experian has recently introduced a credit monitoring service called Triple Alert which features automatic, daily monitoring of one's Experian®, TransUnion, and Equifax credit reports that costs only $4.95 per month. Similar services typically cost anywhere from $9.95 to $19.95 per month and some only offer weekly credit monitoring. Apparently keen competition in the credit monitoring [...]

Posted in Credit Reports | 0 Comments

Free Annual Credit Report Law Spawns Imposter Web Sites that Could Lead to Identity Theft

Written by
Posted On: September 16, 2005

Two years ago, Congress mandated that consumers can request one free credit report annually from each of the three major credit reporting agencies.   This program is designed to reduce identity theft by allowing consumers to check their credit histories for suspicious activity. However, acquiring a free credit report is not always easy.   According to a recent [...]

Posted in Credit Reports | Identity Theft | 0 Comments

Free Annual Credit Report from the Big Three Credit Bureaus Now Available to All Consumers

Written by
Posted On: September 2, 2005

After nearly a year long phase-in, consumers across the United States now have the right to an annual free credit report from each of the three main credit reporting agencies—Equifax, Experian, and TransUnion. As of September 1 the last regions phased in included the Eastern states, the District of Columbia, Puerto Rico and all U.S. [...]

Posted in Credit Reports | 0 Comments

Company Offering "Free Credit Report" Fined $950,000 by the FTC

Written by
Posted On: August 26, 2005

A recent settlement was made between the Federal Trade Commission (FTC) and, Inc., doing business as Experian Consumer Direct. The FTC charged that was in violation of federal law by deceptively marketing "free credit reports" and not effectively disclosing that consumers would automatically be signed up for and billed $79.95 [...]

Posted in Credit Reports | 0 Comments