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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?
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? 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? Tips on how to help improve your FICO score.
The Benefits of a FICO Score 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.
How Do I Correct Any ERRORS Found On My Credit Report? Sometimes companies can make mistakes which can be reflected on your credit report.
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 we have rights.
What You Must Know About IDENTITY THEFT Identity theft happens every day. Learn dome tips on how to protect yourself.
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.
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.
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