To her credit, a consumer learned why we must pay (New York Daily News)
To accelerate the rebuilding process try to have at least three active credit lines open, and be perfect with them. Car loans or mortgages count if you still make payments, as well as old credit cards if they can still be used. If you need to obtain new credit store cards or gas cards can be easier to obtain than major credit cards. If even those fall beyond reach any one can be accepted for secured credit cards. Make sure when taking a new credit for rebuilding purposes that the creditor reports to the major credit agencies. Not all creditors submit information to the credit bureaus, and almost no debit card or check card issuers do, even ones with a MasterCard or Visa logo. Use the credit you have obtained and make your payments on time (did I mention I can’t stress this enough). On time means never being 30 days late. At fifteen days you may pay a late fee, but late items must hit 30 days overdue before they will be reported. Using credit does not mean abusing it, you need not run the card up to its limit. On the other hand, leaving the card in your wallet will not help rebuild your credit as much as positive usage. A service I have seen claims they will report your rent payments to the credit reporting agencies. Potentially this could accelarate credit score rebuilding.
To her credit, a consumer learned why we must pay (New York Daily News)
Remember Innovis, the so-called fourth credit-reporting agency? Unlike the Big Three credit reporting agencies - Experian, Equifax and TransUnion - Innovis is not required to provide consumers with a copy of their credit report free of charge every 12 months.
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Want a Mortgage? Start by Settling Your Score (Benton Evening News)
(ARA) - Anyone who's been denied credit may feel the old adage "you can't fight city hall" should be replaced by a new axiom: "You can't fight the credit bureaus."
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Turned Down for an Auto Loan? There are Options (Benton Evening News)
(ARA) - In the current climate of declining property values, higher interest rates, and changes in available mortgage products, more and more homeowners are becoming delinquent or going into foreclosure.
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With lenders tightening standards, credit reports need to be clean (Reno Gazette-Journal)
Living in ignorance of your credit score can lead to disappointment when it comes time to apply for a home loan.
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Laptops stolen from Apple Store (Seattle Post-Intelligencer)
Police said the University Village Apple Store was burglarized early Monday morning -- by suspects who went through the roof.
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Identity theft a growing issue (Daily Dunklin Democrat)
Most parents have prepared themselves to protect their children from virtually any harm that comes their way, but rarely does a parent think about protecting his child from what some are referring to as a growing epidemic: child identity theft.
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Tenant screening could cost you rental (Bankrate.com via Yahoo! Finance)
Landlords now use tenant screening reports to vet potential renters. But like credit reports, they're sometimes inaccurate.
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Color of Money Live (Washington Post)
Personal finance columnist Michelle Singletary hosted a free-for-all discussion about money matters.
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Ask the Biz Brain (The Star-Ledger)
I am confused about my credit report. I thought the law lets me get one for free, but when I heard an ad and called the number, I found out that I could only get my report free if I paid for some other services. Is this legal?
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Sites Offering 'Free' Credit Reports: Worth Consumer Consideration? (PNN)
A new report from Consumer WebWatch.org examined Web sites that offer consumers paid access to their credit reports in combination with credit scores, credit monitoring, and/or identity theft insurance, while many consumers think they are on the government's free annual credit report site.
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To her credit, a consumer learned why we must pay (New York Daily News)
To dispute an inquiry, simply write that you never applied for credit with that company.
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The next credit crunch? (Chicago Tribune)