How To Dispute An Entry On Your Credit Report?

Did you know that each year in America, there are up to 1,000,000 incorrect entries made onto people's credit files? That is a startling number, and one which you need to take into account when reviewing and considering your own personal credit file.

Tips To Improving Your Overall Credit Rating

Many people believe that their credit rating is out of their control. They believe that they themselves have no influence over the score, and that is an arbitrary assessment of their financial history. This is indeed true, to an extent.

How Can Identity Theft Negatively Affect My Credit Score?

Identity theft is a major problem in the world these days, given that over $500 million worth of fraudulent transactions are processed each and every year in America alone, we all need to be cautious of our activities when it comes to Internet shopping and providing identification - so that we can not only protect our identity, but also our credit report.

Understanding Alerts From Your Credit Monitoring Service

When you sign up for a credit monitoring service, you will be provided with a number of options as to how you want to be notified of changes to your credit report. The most common ways to be notified are by e-mail and SMS. Once this is set up, you will begin receiving an update every time something happens to your credit report with the three major reporting agencies.

How To Put A Hold On Your Credit Report When Travelling?

Did you know that it is possible to put a temporary hold on your credit report if you are travelling overseas for an extended period of time, or participating in active military duty? Indeed, this is generally a service provided by the credit reporting agencies directly - whereby any requests for new credit, additions to the file, changes, or disputes are automatically flagged and stored until your return.

The Worst Things You Can Do For Your Credit Score

We all know that not paying debts on time is a bit naughty, especially when it comes to your credit score. But interestingly, this is not even close to the worst thing that you can do to negatively impact your credit score.

Is There Anything That Is Not Considered In My Credit Score?

These days, it seems that almost everything you do can have an impact on your credit score in some way. Every financial action you take, everything you buy, every application for credit, and every new job that you apply for - all have some influence over your credit score.

Requesting A Copy Of Your Own Credit Report Won't Lower Your Score

One of the leading reasons why people hesitate to request a copy of their own credit report is that they believe that this request alone will lower their score. This is simply not the case, as there are mechanisms in place at credit reporting agencies to ensure that this does not happen.