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What Exactly IS a FICO Score?
Lenders depend on them every
day, but do you know what it is about a FICO score that really matters?
What Does a FICO SCORE Consist Of?
35% - Payment History
30% - Amounts Owed
15% - Length of Credit History
10% - New Credit
10% - Types of Credit
How Do I IMPROVE My Credit Score?
You have a few bad marks on
your credit report? Here are some tips on how to help improve your FICO score.
What If I Had to File For Bankruptcy?
Bankruptcy on your credit report? Here are some tips on how to
help improve your FICO score
and get back on your feet after a bankruptcy.
The Benefits of a FICO Score
So, you think FICO scores are
only a problem one has to deal
with when applying for loans?
There are many benefits to FICO scores that you should know of.
What a FICO Score Does NOT Consider
Credit reports contain a LOT of information about us. But, there
are many things that they
CANNOT report to lenders,
employers and more.
How Do I Correct Any
ERRORS Found On My Credit Report?
Sometimes companies can make mistakes which can be reflected
on your credit report. Here are
some tips on how to fix
credit report mistakes.
About Free Credit Reports
Some information about what
types of free credit reports are available to individuals.
Do Know Your Credit RIGHTS?
There are many things credit
reports could possibly report,
but our own individual rights can block them from being violated
in order to present people in the fairest manner.
What You Must Know About IDENTITY THEFT
Identity theft happens every day. Learn dome tips on how to
protect yourself.

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Identity Theft Protection
What you must know about ID Theft
Identity theft, which affects over 9 millions Americans each year alone, is the act of using an individual’s identifying information such as their name, Social Security number, credit card numbers and other account numbers illegally in order to commit fraudulent crimes.
Oftentimes, identity theft can occur without the victim even becoming aware that it is even occurring until they notice the activity on their credit report, billing statements, by a debt collectors or even police department contacting you, or simply by not getting credit card bills in the mail for a while without noticing. Identity thieves steal people’s identification information for many reasons such as obtaining credit and/or loans under the victim’s name to paying their telephone bill.
Identity thieves obtain an individual’s identity through a number of methods such as through processing your credit card and “skimming” your number, going through your trash outside, using email or “phishing” scams, obtaining a statement in your mail and changing your address so that you stop receiving your bill, through obtaining a personal check, through stealing a purse, wallet or other personal items and more. Identity thieves have even been known to contact utility companies (such as telephone companies) and banks where an individual has an account and obtaining your information pretending to be you.
Even though it is not the identity theft victim’s fault, the whole ordeal can potentially do severe damage to their credit score which can also hurt their chances of getting loans approved, gaining employment, insurance and other types accounts due to the negative impact the identity theft had on their credit report. In some cases, identity thieves may even use your information in order to commit crimes which you have no idea about until you are arrested and/or detained by the police as a result of the crimes committed by the thieves.
The best way to protect yourself from these situations and more is to check your billing statements and credit report regularly as the effects of having one’s identity stolen can last for many years. If there is ever an irregularity on your credit report or billing statements, it should always be reported immediately in order to help minimize any damage that may have occurred.
For more information regarding identity theft protection services, please visit LifeLock where you will receive more detailed information on what protection services are available to you in addition to checking your credit report regularly.

Get Your Free Experian Credit Report and Score Now!
Your credit plays a major role in your everyday life. More now than ever before.
 Having good credit affects the way you will be able to make purchases, obtain financing, insurance and more. And keeping track of your credit score from one of the three reporting companies (Experian, Equifax and TransUnion) is imperitive.
These days, with the growing demand for good credit from lenders, it is important not only to manage your credit closely in order to get the things you want most in life, but also to keep an eye on others' potential fraudulent activities using YOUR credit. Get your Free Credit Report here.

Featured at My Credit Score Network!
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