Give yourself some credit

Credit reports detail your history of credit use and are often the basis for determining whether to extend credit to you in the future for a mortgage, car loan or credit card. You can access your reports with the three main credit-reporting agencies online at, or call 877-322-8228. By law, you can retrieve one free report a year from each of the bureaus.

Quick tip: During routine checks, pull one free report about every four months, because the reports have much of the same information on them. That way you can continually monitor your credit year-round for free. More important? Check your reports, no matter which way you do it, said Liz Weston, author of Your...

First Advantage Launches ‘Verify Credit’ and adds Credit Checks to its portfolio

First Advantage, a Symphony Technology Group (STG) company and a leading provider of talent acquisition and electronic data solutions, today announced the launch of a financial background check offering, ‘Verify Credit’, as a value added service to their existing checks and verification portfolio. With this particular check, First Advantage can now provide a comprehensive credit report based on an individual’s credit report analysis.

Navin Chugh, Managing Director for First Advantage, said, “As a pioneer and market leader, First Advantage believes in working closely with customers to understand their evolving needs and delivering value through innovative services....

State report says California film tax credit loses money

In a setback for supporters of Californias popular film tax credit program, a new government report has thrown cold water on claims about the credits return to taxpayers.

A study released by the California Legislative Analysts Office concludes that the credit program appears to result in a net decline in state revenues.

Enacted in 2009, the program offers a credit of 20% to 25% toward qualified production expenses. California allocates $100 million annually toward the credit, which can be applied to offset income or sales tax liabilities.

An eight-page report by the LAO critiques previous studies on the credit, in particular one commissioned by the Los Angeles County Economic...

Please, Check Your Credit Report… NOW!!

It is so important to make a practice of this.  At least once a year, go to or call 877-322-8228, to obtain your credit report from each of the three reporting agencies:  Experian, Equifax, and TransUnion.  You should consistently be on the lookout for unsuspecting items that creep up that could damage your rating.  If your credit score is bad, it could keep you from buying a house, a car, taking out a loan, obtain a credit card or interfere with getting a job.  To make matters worse, you might not know about your bad credit score, until the precise moment when you desperately need it the most.

Perhaps you are one of those lucky people, who are assured...

Modified Mortgages Usually Default Soon

People with mortgage modifications continue to have trouble staying current, and some are letting home-loan payments slip again to protect newly obtained cars and credit cards.

A study by TransUnion out Thursday found that 42% of those who received a mortgage modification were delinquent again a year later. The rate leapt to 59% just six months after that.

Those figures may seem high, acknowledged Charlie Wise, research and consulting director for the credit bureaus financial service unit, but he noted the lack of a benchmark to judge against.

Considering the population (homeowners who were originally behind by four months or more), thats actually pretty encouraging,...

Credit score monitoring crucial for older Americans


Nathan Hager,

WASHINGTON – Many older Americans arent taking advantage of their right to a free credit report every year, and it may be hurting their ability to get new credit cards or loans.

People over the age of 60 have more errors on their credit reports, says Kimberly Palmer, author of the Alpha Consumer blog at US News World Report.

The most common mistakes are confused identity, so someone else with your similar name, same address, perhaps or an old address, she says, citing a survey by the Society of Certified Senior Advisers.

Those little errors can lead to big reductions in your credit score, but Palmer...

Boost your credit score by Labor Day

This post comes from Jeanine Skowronski at partner site


Repairing a shoddy credit report requires time, but there are few steps you can take to expedite the process. Heres what to do if youre hoping to give your score a boost by Labor Day.


Pay down credit card debt.

One of the only surefire ways to give your credit score a quick boost is to pay down any existing debt you may be carrying on a credit card. This will have an immediate (and positive) impact on your#160;credit utilization ratio, which essentially involves how much credit you are using versus how much is actually available to you.


Keep in mind, the move..., a Free Business Credit Report Provider, to Offer Cell Phone …, a Free Business Credit Report Provider, to Offer Cell Phone Numbers on its Credit Reports

Published 05:00am, Wednesday, June 27, 2012

Obtain bad credit auto using absolutely no down payment or even perhaps a low consumer credit score very quickly.

How to Avoid a “Hard Pull” of Your Credit Report and Still Borrow Money

Establishing a solid credit profile is something of an art. A plethora of factors go into determining a borrowers credit score. And savvy consumers know there are ways to manipulate those factors.

One such factor is the frequency of hard inquiries, or pulls, on your credit report.

Hard pulls are common when you apply for a loan or line of credit. Since they indicate that you are trying to borrow money, multiple hard pulls in a short period of time may indicate that youre desperate for a loan.

Thus, too many hard pulls result in lower credit scores.

Thats not a big problem for most folks for the simple reason that most of us dont apply for multiple loans at the same...

Benefit reforms will penalise thousands of disabled people, analysis shows

Radical reforms to the benefit system due to be implemented next year will make tens of thousands of disabled adults and children worse off, according to new analysis by a group of disability and childrens charities.

The Disability and Universal Credit report, compiled by Disability Rights UK, the Childrens Society and Citizens Advice, warns that few people have yet grasped the full impact of the changes, which will be implemented in October 2013, when a series of means-tested benefits are streamlined into a single new benefit, universal credit.

No group will be more affected than disabled people, the Paralympic champion Lady Grey-Thompson, writes in an introduction to the research.


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