Tag Archive for credit report

The Process of Repairing Bad Credit

March 14, 2012 / / 12 comments

The following is a guest post by Teresa Dahl, a Yahoo! Contributor and blogger at Mommy Stuff.

If you have bad credit, you’re probably intensely aware of how much of a hindrance it is to reaching your goals and accomplishing the things you want to achieve in life. You can’t get a good credit card, you can’t get a house, you can’t afford that new car you want—in fact, your credit is so bad you can’t even rent a car. So if no one will extend you a line of credit how are you supposed to repair bad credit?

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What is Keeping Me from a Perfect Credit Score?

February 15, 2012 / / 4 comments

Credit score, credit report, credit history, Experian, Equifax, Transunion, debt-to-credit utilization ratioDoes anyone know ANYONE with a perfect credit score? Is that even possible? Well of course it is, but what are the right moves you have to make to get there?

Recently during our refinance, I got to find out the credit score for my wife and I. But that wasn’t all. In addition, I was also given a full report that includes a breakdown of every reason why I lost points.

I decided it would be worthwhile to examine these reasons and see where I blew it. So for your amusement, I have posted the exerts below and we’ll review each of the reasons they listed.

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Props to Chase Freedom’s Fraud Protection Service

December 27, 2011 / / No comments

Identity theft, fraud, prevention, Chase, Freedom, Visa, credit report, crime

I was almost the victim of identify theft.

On the evening of Dec 23, I received a call from the Chase Freedom Visa Card Fraud Protection alerting me that someone had tried to buy almost $500 worth of goods from a Macy’s in California. Because I live in Michigan, the purchase was quickly red-flagged and denied. Fortunately, I was spared.

The phone call with Chase was quick and painless. They asked me which transactions I’d like to dispute, closed my old account, and told me I’d have a new card with a new number within a matter of days.

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