In this part we will explore how different countries utilize credit scoring. We will start our analysis with a general description of credit scoring and then we will deal with different country practices starting with United States. According to an article quoted to Wikipedia, credit score is a numerical expression based on a statistical analysis of a person's credit...

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Credit Repair Software is Best Solution to Fix Your Credit There are four ways to fix your credit, and here they are, from worst to best: Worst: Credit Repair Services It's tempting to simply pay a company to "do the work for you," but all credit repair services (that includes law firms) have two dirty little secrets they don't want you to know. Firs...

Any people know ways to increase their credit score, but what factors actually lower your credit score? 1) Accounts that have been open less than three years. Having long term credit accounts that you consistently pay on time is an important indicator of stability. As your credit history ages, your score should increase. 2) Anytime your credit report is pulled. ...

If most of you reading this are like me (which is unlikely because my mom always told me I was special) you receive a lot of pre-approved credit card offers in the mail. Do you typically just throw it away? If you do, don’t. The advice I am about to give might seem overly cautious, but more and more people are going through trash to retrieve information to steal ide...

I stumbled over this the other day when checking my bank account with Bank of America. Currently, under the Customer Service tab when logged in, choose monitor credit report. You can do a 30 day free trial, assuming you cancel before the 30 days, and get your credit reports and scores from the 3 agencies for free. I am assuming this is a standing offer. See the screen...

There seems to have been a recent rash of credit score spammings, or I was just recently added to their spam list. I have been getting a lot of emails with subject lines that say “Your Credit Score May Have Changed“. The email tricks recipients into thinking their credit scores have changed and try to have you sign up with the spammer to see your new score, when i...