Bad Economy, No Job – How Can I Repay My Debts?
When you have collection agencies calling you and you are in debt up to your eyeballs, it’s time to take action and quick. First step you need to take is to get a job, sooner than later. You cannot afford to use the bad economy as an excuse any longer. The bad economy may be standing in the way of you getting the job that you desire, but it shouldn’t keep you from obtaining gainful employment that will help you start paying your bills. Your only priority when you have debt to repay should be to get a job that allows you to have enough income to start repaying those creditors. Read more
Prepaid Credit Cards – The Alternative for those with Bad Credit
In today’s technological era, it seems that more and more business and personal transactions are being done over the phone or online. As opposed to the old days when things were done through the mail or you had to go in person, the electronic age makes everything quicker. You can conduct routine transactions, from the comfort of your home, during almost any time of the day. You can do almost anything within minutes from making hotel reservations, booking airline tickets, or purchasing something from across the country on EBay or Amazon. Read more
Credit Repair Companies-Buyer Beware!
After some unfortunately bad financial decisions, you find yourself with a very low credit score and collections agencies hounding you on a daily basis. You are desperate to find a way out of this mess that you have landed yourself in. The credit repair commercials on TV and radio seem so attractive. They claim they can make all your credit woes go away with magic solutions that seem almost too good to be true. Well, most of the time these claims are really not true and may even be illegal. Although legitimate credit repair companies do exist, you must be aware of some very key facts if you plan to sign up with one. Read more
Honey, I cheated with your checkbook
Twenty nine percent of people in a committed relationship admitted to lying to their partner about their spending habits, according to a Harris Interactive survey of 1,796 people ages 25-55.
Money can be a source of happiness and dismay in a marriage. Having too much or not having enough can spell out problems for an otherwise happy couple. It gets worse when secrets are kept from one another and spending habits threaten the financial well-being of the marriage. More and more Americans admit to lying to their partners about their spending habits. Read more
Easier, cheaper credit report freezes
SACRAMENTO – Gov. Arnold Schwarzenegger Monday signed legislation to put the deep freeze on fees charged for freezing credit reports.
http://weblog.signonsandiego.com
CreditReportBlog.com – Well, we can hardly call this piece of legislation a “deep freeze”. There a few good changes, but anything huge. It calls for the fees charged by credit reporting agencies to now be $10 instead of $12, gives seniors a rate of $5, and calls for agencies to comply to all freezing requests within 3 days. Another little tidbit, requests can now be made through regular mail, instead of only certified mail. Read more
Get Free Credit-Monitoring Services
The settlement applies to everyone who had an open credit account or open line of credit from any lender from January 1, 1987, to May 28, 2008. Anyone with a credit card, car loan, mortgage, student loan or any other loan qualifies, which means most adults do.
Credit Report Blog.com urges all its readers to take advantage of this great deal. Best of all, nearly everyone is eligible. TransUnion’s monitoring services can be very valuable to consumers, especially when you won’t be paying a dime for them! Read more
Reasons to Check Your Credit Report
Most people don’t check their credit report until it is time to make a purchase that requires a degree of creditworthiness, i.e. buying a house or a car, opening up a credit card, etc.
Credit Report Blog.com would like to take this opportunity to reinforce to its readers the importance of consistently checking their credit reports for various reasons, as mentioned in this report. When an important decision is to be based on your credit report, it may cause unforeseen delays or rejections, if surprises pop up on your credit report which you were not expecting. The causes of these surprises could be the result of identity theft, reporting errors, mistaken names, etc. Read more
Credit Restoration Service Announces Contest for the Worlds Worst Credit Report
July 2, 2008 — Lee Harrison Credit Restoration is looking for the world’s worst credit report. They will clean the worst credit report each month for 6 months for free. To enter the contest, applicants must send a copy of their Experian, Equifax, transunion and CSC.
CreditReportBlog.com – Well, this sounds like a great deal if you are the lucky, chosen few. With the enormous number of Americans sinking in debt these days, there will the credit restoration company is likely to be flooded with applicants for this new “contest” to find the worst credit reports in America. If you think you’re situation is bad, there will probably be many others with stories 10 times worse. Read more
Foreclosure stigma haunts would-be renters
As if losing a house on the court steps wasn’t enough, some former homeowners may fiand themselves turned away by apartment owners spooked by the foreclosure history on their credit reports.
CreditReportBlog.com sympathizes with individuals hit with such a dreadful experience as foreclosure on their home. Along with bankruptcy, foreclosure can be one of the most devastating experiences in one’s life. Being forced out of your home, can cause enormous stress, shock, and even depression to an otherwise content person. Read more
Settlement results in free credit monitoring service
You can sign up today to receive free credit monitoring services from the credit bureau TransUnion due to a settlement the company reached on a class-action lawsuit.
Credit Report Blog.com would like to advise all consumers that a settlement has been reached in the class-action lawsuit filed against TransUnion Credit Bureau. The lawsuit was filed because TransUnion irresponsibly sold customer information in the form of marketing lists to other businesses. TransUnion denied any wrongdoing, while at the same time, stating that they had stopped the practice as far back as 2001. Read more
U of U medical records stolen, 2.2 million patients’ data at risk
University of Utah Hospital and Clinics patients are bracing for the unknown as police and prosecutors investigate the theft of 2.2 million billing records filled with personal information.
Authorities say the records, stolen out of a courier’s personal vehicle earlier this month, put the private data of patients from the past 16 years at risk.
Credit Report Blog – It’s amazing how an incident like this can lead to astronomical financial damage for every one of those 2.2 million patients. Hospitals and any other organizations that hold such sensitive information need to take responsibility and re-think their procedures so that these mishaps do not happen. The good thing is that the U of U is taking the right steps in offering free credit monitoring services to all patients whose social security numbers were compromised. Read more
Hospitals Peer into Patients’ Credit Reports
Financially squeezed by shrinking reimbursements and expanding uninsured patient rolls, some Atlanta hospitals are using tools to peek into patient credit reports to gauge their ability, and willingness, to pay medical bills.
***Credit Report Blog***Timely medical care is something that should not be denied to anyone, regardless of their ability to pay or not. How can we claim to live in a civilized society, if only people who can afford medical care are given it? This is exactly what we are headed for if the medical establishments are given an opportunity to look through a person’s credit history before they provide treatment. This is a given, whether they admit it or not. Healthcare in the United States is just ridiculous! Read more
Take Charge America Offers Financial Tips for Engaged Couples
“Before couples wed this summer, they should take a step back and discuss all details of their financial past and future,” said Mike Sullivan, director of education and “Budget Doctor” at Take Charge America. “The scary fact is that the number one cause for divorce is money, so determining financial compatibility should be at the top of every busy couple’s to-do list.”
***Credit Report Blog***Finances can be the root of most arguments in a marriage. It is very important to lay down all your cards right from the get-go if you want married life to be as blissful as you have dreamed it will be. Wives and Husbands to-be need to sit down and share with each other what their financial goals are after marriage. Read more
Thieves steal $22,000 using credit card of U.Va. Professor
Identity thieves in New York had opened a checking and savings account in Grant’s name, aided by his Social Security number and a fake New York driver’s license with his name on it. Using an online banking feature of the fraudulent checking account, the thieves hijacked Grant’s existing Bank of America credit-card account.
***Credit Report Blog*** After reading about this incident, it is apparent that no matter how safe you think you are or no matter how many precautions you take, identity thieves still manage to do what they do best—severe financial damage to their victim. In the professor’s case, after finding out that his personal info may had been compromised, he took all the right steps that he thought would save him from becoming another powerless victim of identity theft. Read more
How to Avoid Becoming a Victim of Identity Theft: Interview with Jeremy Duffy
“With the recent news about the CEO of LifeLock having his identity stolen, I looked around the web searching for ways we could prevent ourselves from becoming a victim without having to pay monthly or annual fees.”
***Credit Report Blog*** Jeremy is absolutely on the right track with this issue. Why pay for a service that you really don’t need, provided you are willing to invest some time and effort yourself? With a little diligence, every consumer can do exactly what the monitoring service companies do, without paying the monthly fees for their services. They don’t really “stop” identity theft as they claim; they just let you know once it has occurred. If that’s all you want, monitor your credit report yourself for inaccuracies and changes unfamiliar to you. Read more
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About Us
It is a well know fact that credit reports can not only have errors, but also other people’s wrong information. Credit report errors and low credit scores cost people millions of dollars in high interest rates every year. In addition, many people get denied access to valuable credit and loans because of their low credit scores. Many times low credit scores are not even the fault of the person applying for credit but it’s due to errors. Yet, it’s a sad fact that not much is being done to help people.
We realized it’s about time to do something about it. We were looking for a way to quickly know what is happening around the credit industry so that people can access the facts and get to know the answers to their questions in easy simple to understand terms without spending days looking for proper answers.
In order to make the required information easily available, we are providing credit related information about credit reports, credit scores, credit monitoring, credit checks, credit cards, free credit reports, credit bureaus, credit counseling, identity theft, and other credit problems in an easy format so that people don’t have to go from site-to-site looking for answers.
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CreditReportBlog.com
“Credit Report Blog” Team