Free Credit Scores: Useful or a Waste of Time?

The free credit scores you pull online (aka consumer credit scores) and the credit scores you receive whenever a lender accesses your credit as part of a loan application are often worlds apart. Many of the consumer credit scores which you can access online are some version of the Vantage Score credit scoring model. By […]

Credit Repair: Is It Legal?

If you are one of the millions of Americans struggling with bad credit you may be looking for answers and wondering what “credit repair” is all about. It may sound too good to be true that you could find someone to help you deal with your credit problems. You might even be wondering “is credit […]

Who Has the Right to Access Your Credit Reports?

Have you ever reviewed a copy of your 3 credit reports? If not, you should make a point to do so sooner rather than later. Your credit reports can contain a vast amount of personal information about you. This information, collected by the credit reporting agencies (CRAs), may detail your current and previous addresses, employment […]