The 3 credit reporting agencies are responsible for reporting any data that is related to consumer credit. Every positive transaction that takes place is not always recorded, on the other hand the majority of negative transactions most likely will make it on to the credit file. These derogatory items will have [...]

Identity theft has been one of the fastest growing crimes in the United States for quite some time now. The reason this type of crime is so popular has a lot to do with us the consumer. Without even knowing, more often than not, we end up helping scam artist steal [...]

A good or bad credit score is a direct representation of you and your financial status. Your credit can also be a window into your personality. That is why some major companies nowadays have started to utilize credit reports as a basis for new hire. With this in mind, it is [...]