Credit Reports

Late fees are down: the sequel Written by Geoff Williams August 24, 2011 Wow, we haven't seen late fees this few and far between since 1994. That's right, for those who crave good news about our economy, here's some: Late payments to credit cards are down to their lowest levels in the last 17 years. That's according to TransUnion, the credit reporting agency, which came out with the news this [...] Posted in: Credit Reports Citi Credit Cards Credit Card Fees
Denied for the best credit card? Lenders now required to say why Written by Geoff Williams July 21, 2011 When is good news also bad news? Starting July 21, it will be easier for consumers to get a free credit score. Because of a new law, you may just get, in the mail, with no strings attached, your very own credit score. That's the good news. But the bad news is that if you get that [...] Posted in: Credit Reports Credit Card Laws Credit Score
FICO 2008 - Demystifying the Latest Version of the Famed Credit Score Written by Mike Killian 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
Altenative Credit Scores Provide Hope for Millions Written by Shane Tripcony 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
Charge for New Credit Monitoring Service Cheapest Thus Far (Only $4.95/Month) Written by
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
Free Annual Credit Report Law Spawns Imposter Web Sites that Could Lead to Identity Theft Written by
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
Free Annual Credit Report from the Big Three Credit Bureaus Now Available to All Consumers Written by 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
Company Offering "Free Credit Report" Fined $950,000 by the FTC Written by 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
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