How To Receive Free Credit Reports

Nothing in life is free right? Well in fact you can get free credit reports annually and it won’t affect your credit score. By law, you are entitled to get one free report from each of the big three credit reporting bureaus: TransUnion, Equifax, and Experian each year thanks to a ruling by the FTC.

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A Closer Look at the FICO Score

It may be just a little number, but the ubiquitous FICO score has considerable influence on every consumer’s life in the United States and Canada. If you are in need of credit, housing, or a job, the higher your FICO number, the better will be your results. As a good part of your credit worthiness

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Avoiding Online Auction Fraud

Despite the increase in reports of cyber bulling through Facebook and other social media sites, the number one cybercrime that is reported is by far auction fraud. In particular, the Internet Crime Complaint Center (IC3) has reported that they have especially seen an increase in auction fraud related to international car auctioning. An auction that

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Credit Monitoring Services Review

Credit monitoring services scrutinize a consumer’s credit report at one or all three credit bureaus for a monthly fee, alerting the consumer to late payment items, identity thefts, inquiries from potential creditors and employers, and any other credit report changes. The pros and cons of this service are fiercely debated. But there is much to

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The Hacking Threat For Biometric Scanning Security Devices

Remember when fingerprint and facial recognition scanning was just cool spy tech seen in Mission Impossible movies?  Until recently, only the CIA and top secret spy agencies had this cool technology at their disposal.  Long gone are those days as everyone with a late model cell phone or mobile device can now take advantage of these cool

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Our 10 Best ID Theft Prevention Tips

Keep­ing your iden­tity safe is impor­tant. If some­one else is able to get their hands on your sen­si­tive iden­ti­fi­ca­tion infor­ma­tion, not only can they pre­tend to be you for all intents and pur­poses, but they can also take your money, your credit and your entire life  The anonymity of this crime makes many peo­ple feel help­less to

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Citi Credit Monitoring Services Review

Update:  The Citi Credit Monitoring Service Program was terminated 3-31-2015.   We recommend you look at our IdentityGuard monitoring review as an alternative to the Citi monitoring plan. Iden­ti­ty­Mon­i­tor is a ser­vice pro­vided by Citibank. Citibank has been in busi­ness for the past 200 years thanks to its abil­ity to do busi­ness through what they call Respon­si­ble

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How To Freeze Your Credit Report

Placing a freeze on your credit report is one of the initial steps you should take if you discover you are the victim of identity theft.  This temporary freeze prevents the information in your credit file from being reported to companies, credit grantors etc.  The short version is that nobody can run a credit inquiry

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TransUnion Credit Reporting Faq’s

TransUnion is one of the three credit reporting bureaus along with Equifax and Experian.  The three credit reporting agencies keep track of your credit history and provide reports to prospective lenders and mortgage brokers.  TransUnion not only reports on your credit, but they have processes in place to help make corrections to your report. On

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Filling Out An Identity Theft Police Report

One of the most important parts of returning your life to normal after your identity has been stolen is to fill out an identity theft police report. Filling out an identity theft police report will make the police aware of the theft and will allow them to charge the criminal with the crime when they

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