For almost a year, I’ve not been getting the usual credit card offers which used to besiege me at the office.  For a while, I thought that was great as it can be annoying most of the time, especially when you’re trying to control your shopping binges using the four...

It’s interesting to note that based on a recent study of credit reports, around 25% of Equifax credit reports contain data errors serious enough to get creditors disapprove your loan or credit card applications.  For the resident consumer, this is one hell of a reason for you to get your...

Recognizing the importance of knowing where the consumer stands as far as his/her credit rating is concerned, the government has stepped in to further enhance its regulating powers with the Fair Credit Reporting Act.  The three credit information bureaus which regularly compile a snapshot of a consumer’s payment patterns are...

The typical American consumer can rarely go by his/her routine activities without a good credit rating.  If you are diligently paying your amortization and credit card bills, there should be no problem racking up a high FICO score that creditors, banks and companies refer to when evaluating a application for...