My Credit Score Dropped 16 Points
Sep29

My Credit Score Dropped 16 Points

My credit score dropped 16 points recently. I am still within the ‘Excellent’ range, but I was not happy to see a drop. (If you are not reading this post at www.howisavemoney.net or in your feed reader, it may have been stolen from my site.) I normally glance over my credit score daily when I log into Mint. Imagine my surprise when I saw a red, downward facing triangle on my page. The triangle indicated that my credit...

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What To Do If You Are A Victim Of Identity Theft

Every year people become the victim of identity theft in some form or fashion. No one wants to think it can happen but with the amount of data we all have it is getting easier for crooks to take advantage of us. In many cases the victims do not realize what has happened until it is very late and they have already lost hundreds, if not thousands of dollars. The theft may also have totally wrecked their credit score because the thieves...

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Always Monitor Your Credit Report

I had my students pull up their credit report for an assignment a few monthss ago and they were supposed to write a report on what they found. One of my students got a very unpleasant experience when he pulled up his report because he found out that someone had been using his personal information to get credit accounts set up. It actually turned out to be a family member who know his information and had opened  a series of credit...

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Time To Check Those Credit Reports Again

As we approach the new year it is time again to check your credit report if you have not already done so. If you need to get a look at your credit report from any one of the three bureaus: Experian Transunion Equifax the best place to look is www.annualcreditreport.com. This is the ONLY site that will let you see all three of your reports for free. Share this:Click to share on Facebook (Opens in new window)Click to share on Twitter...

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Buying a Car with Bad Credit: Your Options (Guest Post)
Sep26

Buying a Car with Bad Credit: Your Options (Guest Post)

No matter how many times our mothers warned us to pay our bills in full and on time, some of us just had to find out for ourselves what the repercussions for making late and partial payments would be. Surprisingly, we’ve found that our credit cards weren’t cancelled and no one came knocking on the door to collect that brand new TV we bought and couldn’t afford. Nope, instead they hit us where it hurt the most. They lowered our credit...

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