Update 9/20/23: This has now been announced as a permanent change. Update 9/24/22: Extended through the end of 2023. Update 4/22/22: Extended through the end of 2022. Update: These will be available through April 2022 Annualcreditreport... Read More →
Many banks and other companies are helping those who can’t pay due to pandemic to delay or defer payments. The new stimulus bill, which will soon be signed into law, provides some protection for consumers from getting negatives on... Read More →
Update 09/20/18: When I originally posted this article I stated that you do still receive pre-screened offers. This was based on information found on the FTC website. Readers rightfully pointed out that you do receive some offers but... Read More →
A bipartisan Senate bill, slated to be approved this week, will prohibit credit bureaus from charging for freezing or unfreezing your credit report. The bill would require credit-reporting agencies to institute a freeze within three... Read More →
Update: Originally post on August 4th, 2016. Reposting because according to this post on myFICO Alliant will be discontinuing their Share Secure loans on January 2nd, 2018. Currently (5/27/18), the best options to do this trick is with... Read More →
Interim Equifax CEO Paulino do Rego Barros Jr has published an op-ed piece of WSJ titled “On Behalf of Equifax, I’m Sorry”. In this piece he states that consumers will have until the end of January to sign up for free credit... Read More →
update: a number of data points have rolled in and I feel pretty comfortable stating that this is a generally applicable rule. How close the applications need to be is up in the air, but 30 days seems to be the maximum limit. Recently... Read More →
We write a lot of content on this site, the downside to this is that a lot of the information is only usable for a limited time. This unfortunately means that information that is always useful is more difficult to find, I’ve put... Read More →
In this post, we’ll discuss how business credit cards affect your credit report, and how banks will report the details of a business credit card on your credit report. Background When applying for a new credit card, the bank will... Read More →
What Is An ITIN? A reader recently asked me what credit cards they could apply for using an ITIN. For those not familiar ITIN stands for Individual Taxpayer Identification Number, these numbers are given to foreign employers by the IRS... Read More →
Instant Notifications We reported that Credit Sesame is switching over from displaying the information in your Experian credit report to your Transunion report, see Credit Sesame Switching to Transunion. Interestingly, they seem to have... Read More →
This is another post in our Manufactured Monday series. We try to offer some insights into manufactured spend each Monday. You can view all posts in this series by clicking here. Hide MS Some people are worried about how manufacturing... Read More →
Getting the Bird I was passing through Maryland, and decided to stop into Target for a REDbird. Currently I have Serve and I’m not planning on switching right now since we all assume that the credit-card-load option will stop... Read More →
We’ve all heard of the massive data breach at Home Depot, bigger than last years Target breach – 40 million cards to 56 million cards. But at those numbers, who’s counting? Someone noted that after the Target breach... Read More →
With the help of the CFPB consumer reporting agencies (Equifax, Experian & TransUnion) have made some small changes in the way they handle disputes. When a consumer finds incorrect or inaccurate information on their credit report... Read More →
