How Often Should You Check on Your Credit?

You’ve probably heard about the importance of monitoring your credit to be sure no false information is listed and that no one has stolen your identity. You also know that you have to check on your credit if you are getting ready to buy a house or car. If you have been trying to improve...
How Often Should You Check on Your Credit?

How to Improve My Credit Score If I Live In Delaware

Though many major banks are headquartered in Delaware, residents of this state tend to have some of the lowest average credit scores in the country. The typical Delaware resident has a credit score is 680; people with credit ratings of 680 will pay higher interest rates and may even be outright...
How to Improve My Credit Score If I Live In Delaware

What Is The Fact Act, Equifax, And Free Annual Credit Report?

When you start the journey toward improving your credit score, you will likely hear a number of unfamiliar terms including the FACT Act, Equifax, and free annual credit report. Fortunately, once you learn these basics it will be much easier to understand other important concepts especially...
What Is The Fact Act, Equifax, And Free Annual Credit Report?

How Do I Contact Credit Bureau Offices?

In the past, you had to call or even visit credit bureau offices to find out what was on your credit report. With the passage of the Fair and Accurate Credit Transactions Act of 2003, every American is entitled to quickly get one free copy of each of his credit reports every year. To cut down on...
How Do I Contact Credit Bureau Offices?

What Are FTC Annual Free Credit Reports?

The Federal Trade Commission is a consumer watchdog organization and part of the federal government. In the last decade or so, department officials have become especially concerned about the increasing problems with identity theft. As a result, consumers can now get FTC annual free credit...
What Are FTC Annual Free Credit Reports?

What Is The Relationship Between A Free Annual Credit Report And The Government?

The federal government of the United States has always regulated the manner in which credit reporting agencies such as Equifax, Experian, and TransUnion may operate. Laws such as the Fair Credit Reporting Act (FCRA) govern the credit bureaus and the Fair Debt Collection Practices Act (FDCPA) is...
What Is The Relationship Between A Free Annual Credit Report And The Government?

Every American got a right to see a free annual credit report in 2003 when President George W. Bush signed Fair and Accurate Credit Transactions Act (FACTA) into federal law. FACTA updated the Fair Credit Reporting Act (FCRA) and made it much easier for Americans to see their credit reports. The... What Is A Free Annual Credit Report?

Every American got a right to see a free annual credit report in 2003 when President George W. Bush signed Fair and Accurate Credit Transactions Act (FACTA) into federal law. FACTA updated the Fair Credit Reporting Act (FCRA) and made it much easier for Americans to see their credit reports. The...
What Is A Free Annual Credit Report?