Credit Establishment 101
There will come a day when you need credit. You may want to buy a home or a car and your credit rating will become very important to help make these dreams come true. One of the first things you will need to learn is the basic principle of money management, especially the ability to repay your creditors on time within the 30-day grace period they establish for you.
Credit Repair Fraud
Many companies offer fraudulent schemes for personal credit repair, offering to wipe out legitimate records and give a person a "clean slate". In many cases, these are either fraudulent scams or schemes which may cause a person attempting to use them to violate more serious laws. It is very important to note that this is not only the case
Credit History / Credit Report
Credit history or credit report is a record of an individual's or company's past borrowing and repaying, including information about late payments and bankruptcy.
How to improve your credit rating
Maintain a good payment record - Pay your bills on time, this is very important. A lot of late payments can lower a credit history record.
Identity Theft
Identity theft (or identity fraud) is the deliberate assumption of another person's identity, usually to gain access to their finances or frame them for a crime.
Preventing Identity Theft
Preventing identity theft is never foolproof but use these tips and you'll have a much better chance at preventing identity theft before it happens.
Watch Out For Credit Repairs
It is very easy to find a site that is neat, professional-looking, and one that offers a free three-agency credit report and free credit report without a credit card.
measure and fulfill your financial needs