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The news about the severe security breach that occurred a few weeks ago were covered by almost all news and media both online and offline, so you’ve surely heard something about it already. It’s one of the greatest successful hacks in recent history in which many personal details about 77 million people around the world were obtained by a third, unknown party. The personal details that were stolen included first and…

One of the unfortunately frequent causes of low credit scores is also identity theft. ID theft has been growing rapidly over the past years and despite constant battles to prevent and stop it will surely never go away. There are plenty of ways you can get your identity stolen today: phishing websites, dumpster diving, employee records are just some of them. When you’re applying for a loan or mortgage you…

If you are struggling under a lot of credit card debts, then you should consider solutions like credit card settlement or consolidation in order to get rid of your debts. However, it is also very important for you to keep track of your credit score if you do not want to fall into any difficulties. It is essential that you maintain a good credit score as that determines whether you will get…

Identity theft is rapidly growing to be one of the much hyped crimes in the earth. It is very easier said than done to guard against. Legal enforcement agencies are not fully prepared to handle most of the cases, and since this type of offense is still in its beginning, most people have no idea how destructive it can be. Identity hackers dig up information from companies or other organizations…

Safety and security is now a problem for many people these days, may it be of health or confidential information it has become a problem. The theme of identity theft is basically the theft, as by name, of a person’s identity to have access to that person’s confidential and private information. Identity theft is considered to be a criminal act in which a person’s identity is stolen to be used…

Did you know you can now get a free credit score report from one of the leading financial organizations in the World which has an unmatched level of commitment and resources? myFICO.com is a division of Fair Isaac Corporation (FICO) whose clients include all of the Top 100 U.S. Credit Card Issuers and 9 of the Top 10 Fortune 500 List Worldwide. FICO has sold more than 100 BILLION Credit Scores to…

We’ve talked a bit about improving your credit score so far, but sometimes taking matters into your own hands can result in a lower credit score. This article will list the four most common mistakes people make when trying to improve their credit scores. 1. Don’t make a late payment A late or even a missed payment will hurt your credit score, even more so if it’s already high. If…

Credit scores are constantly changed and re-calculated and anything you do financially can impact it, both positively or negatively. Here’s a list of a few ways you can (dramatically) improve your credit score. 1. Review your credit report It’s not uncommon for credit score reports to contain errors. Make sure you double check it and fix any mistakes as it may impact your overall credit score significantly. 2. Pay your…

The single most important thing to note about a low credit score is that not only may it prevent you from actually receiving credit, but you will also get a higher interest rate as lenders see you as a bigger risk. The following chart will show you how a low credit score can significant affect your interest rates when applying for a car loan:   Credit Score 36-month new auto…