equifax
Ilyce Glink Talks on Business Insanity Talk Radio About Her New Book
Ilyce Glink talks with Barry Moltz of Business Insanity Talk Radio about business books that make great summer reads. She highlights how her new book “Buy, Close, Move In!: How to Navigate the New World of Real Estate–Safely and Profitably–and End Up with the Home of Your Dreams” gives great advice for small business owners. Small businesses can look into buying commercial real estate at a low price in today’s economy. Ilyce Glink also suggests using products mentioned on the [Equifax Personal Finance Blog] (http://www.equifax.com/blog) to protect credit scores and identity.
How Long Does Bankruptcy Stay On Your Credit Report and Rebuilding Good Credit After Bankruptcy
How long does bankruptcy stay on your credit report? Depending on what kind of bankruptcy you filed, a bankruptcy can stay on your credit report for 7 or 10 years. The longer it has been since your bankruptcy, the less your bankruptcy will affect your credit score. To see if your bankruptcy is still on your credit report, you can pull a free copy of your credit report. If it’s been more than 10 years and the bankruptcy is still on your credit report, you can file a dispute and prove that it’s been more than 7 or 10 years since your bankruptcy was discharged.
Tracking Your Personal Finances Online
I have a checking account and a savings account, a debit card, two credit cards, six student loans, home utility accounts and just as many online acco…
What To Do If You Find Mistakes On Your Credit Report
If you’re checking your credit report regularly, you should be looking for more than your credit score. You should also check for mistakes on your credit report and make sure all the information is accurate. If you find a mistake on your credit report, you will want to file a dispute with the three credit reporting bureaus. By law, the credit reporting bureaus are required to address your dispute within 30 days. Sometimes the credit reporting agency can come to a quick resolution, but other times, it may take longer to come to an agreement with the lender. Either way, watch your credit report very carefully for any false information and file a dispute immediately.
“Debt & Credit” Session from Ilyce Glink’s Makeover Your Money Event
Ilyce Glink’s Makeover Your Money – Part 1
Debt & Credit with panelists Steve Ely, Equifax and Rodney Tullie, CCCS of Greater Atlanta
At the Makeover Your Money Event in Atlanta on May 9, 2009, Ilyce Glink moderated a panel discussion and question and answer session with the audience on debt and credit topics.
Length: 1:17:20
What Will Canceling Credit Cards Do To My Credit Score?
Which credit cards should you cancel to have the least negative impact on your credit score? Canceling old credit cards that you don’t use anymore shouldn’t have too much of an effect on your credit score as long as the remaining cards are kept to a balance below 50% of your available credit. Your credit score will be higher if you are using and repaying credit, rather than just holding onto some old credit cards.
Should You Use A Credit Monitoring Service?
Do you need a credit monitoring service? You can pull your credit report once a year for free from each of the three credit reporting bureaus from AnnualCreditReport.com, but you might want to monitor your credit more frequently. If you feel that you are at risk for identity theft, your personal information has been compromised, or you just want to keep an eye on your credit score, you might want to use a credit monitoring service. With a credit monitoring service you should be able to see your credit report and credit score, be notified when any changes occur, and depending on the service, freeze and unfreeze your credit file.
Protect Yourself From Identity Theft With a Credit Freeze
A proactive way to prevent identity theft is to freeze your credit file with the three credit reporting bureaus, Equifax, TransUnion and Experian. Freezing your credit file means no one can open a new account. It does not close your exisitng lines of credit, but it means that no one can open a new credit account or line of credit. If you’re young and trying to open lines of credit to establish your credit history you probably don’t want to freeze your credit file. However, seniors who don’t need to open more lines of credit and maybe have paid off their mortgage can consider freezing their credit to prevent possible identity theft. Also, consider freezing your credit if you think your personal information was compromised and you’re at risk for identity theft.
How To Detect Credit Problems and Identity Theft
Do you know what is on your credit report? One of the first signs of identity theft is false information or mistakes on your credit report. Get a free copy of your credit report from AnnualCreditReport.com from each of the three credit reporting bureaus once a year. Check your credit report for accuracy, and look for suspicious information that can suggest identity theft. Consider using a credit monitoring service to protect yourself against identity theft. This will help keep an eye on your credit history all the time, rather than only once a year by pulling your credit report from AnnualCreditReport.com.
How To Keep Your Identity and Credit History Safe
Who is responsible for protecting your identity and credit history? Only you are responsible for making sure your personal information is safe. The best way to protect your credit is to check your credit regularly through AnnualCreditReport.com. If you discover any errors or mistakes, report the errors immediately so the banks and credit reporting bureaus can help resolve your credit disputes. If you do want to hire a credit monitoring service, make sure you use a service that will help prevent fraud, protect your personal information, and resolve any disputes.
