It is always a good idea to keep an eye on your credit score and credit report. I have been been doing my homework in this area, and I am thrilled to report that my credit score has risen dramatically due to some simple efforts I made. Here’s what was holding me back. I’m pretty conscientious when it comes to paying my bills on time. But a year ago my wife and I moved to a new city. Though we canceled our utility accounts only after the final balances had been paid, my credit report showed an unpaid partial month. Because we changed addresses twice in 3 months, I guess written confirmation never found me, and we were never notified any other way. I only noticed the negative mark on my credit report when I checked … [Read more...] about How to Remove Disputes from Credit Report History and Get a Higher Score
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Props to Chase Freedom’s Fraud Protection Service
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. … [Read more...] about Props to Chase Freedom’s Fraud Protection Service