Navigating No Credit Check Business Loans in 2023: What You Need to Know
Navigating No Credit Check Business Loans in 2023: What You Need to Know Introduction: In the dynamic world of entrepreneurship, […]
Paying Your Credit Card Bill Early: 3 reasons
When it comes to paying your credit card bill, the due date is the most important one. Depending on your […]
Keeping America’s Credit Strong: 3 Steps
During the COVID-19 pandemic, fewer Americans had bad credit. Why did this happen? People spent more time paying off debt […]
Insuring Against Identity Theft – What is It?
An identity theft insurance policy helps victims recover from losses caused by identity theft. It may be offered as a […]
What’s the Difference Between No Credit and Bad Credit?
It is common to lump together no credit and bad credit, but they are two distinct situations. You can […]
What a Good Credit Mix Can Do for Your Credit Score
WHAT DOES CREDIT MIX MEAN? Having a mix of loan accounts is referred to as your credit mix. A mix […]
What Effect Does Credit Card Use Have on Your Credit Score?
One of the most important things you can do to set yourself up for financial success is to establish good […]
The Benefits of Paying More Than the Minimum on Your Credit Card Bill
A minimum payment is always included on your monthly credit card statement. Minimum payments are typically fixed amounts. Additionally, if […]
STEP BY STEP GUIDE TO AVOIDING TAX IDENTITY THEFT
Criminals seeking financial gain from identity theft take advantage of the tax season every year. There are many ways that […]
MISS A BILL PAYMENT? HERE’S HOW TO PROTECT YOUR CREDIT SCORE
Sometimes, life is hectic, and it’s easy to overlook a detail, even when it’s a bill that is due. If […]
STOP BELIEVING 4 IDENTITY THEFT MYTHS
A longtime problem, identity theft is still evolving and adapting with the times. It’s easy to get sucked into rumors […]
AIM TO REACH YOUR CREDIT GOALS IN THE NEW YEAR BY DOING THESE 2 THINGS
An ideal time to reassess your financial health and implement habits that will positively affect your credit score is the […]
SOCIAL MEDIA IDENTITY THEFT: OVERSHARING ABOUT YOUR KIDS
On a daily basis, criminals scour the internet for personal information they can use to commit fraud and identity theft. […]
U.S. TREASURY, COMMERCE DEPARTMENTS CYBERATTACKED BY RUSSIAN HACKERS
Infiltrating the U.S. Treasury and Commerce departments, Russian-linked hackers have been linked to a cyberattack by the FBI and Cybersecurity […]
MULTIPLE CREDIT CARDS AND YOUR CREDIT SCORE
A credit card can be used to establish credit if you have at least one open card that can be […]
BREACHES OF CREDIT CARDS ARE ON THE RISE AS THE HOLIDAYS APPROACH
As consumers’ COVID-19 pandemic spending habits and contactless shopping drive fraud and identity theft, credit card fraud and identity theft […]
SYNTHETIC IDENTITY THEFT AND HOW TO PROTECT MINOR CHILDREN
Synthetic identity theft is one of the fastest growing forms of identity theft in the country, according to the Federal […]
HOW TO PROTECT THE IDENTITY OF A DECEASED LOVED ONE FROM FRAUD
Even after death, no one is completely safe from identity theft. Known as “ghosting,” criminals can use the personal information […]
PHISHING AND MALWARE ATTACKS ARE COMMON TECHNIQUES FOR CREDIT CARD THEFT
Each day, we use our personal information to access online accounts, smart devices, and other resources. Credential information is so […]
PLATFORMS THAT OFFER FREE-TO-PLAY GAMES ARE SUFFERING FROM PAYMENT FRAUD
Rise of the Gaming Industry and the Free-to-Play Model Since the turn of the century, free-to-play (F2P) business models have […]
PLAN FOR FINANCIAL WELL-BEING
If we’ve learned anything from this year, it’s to be flexible enough to adapt to new environments. Over 57 million […]
A GUIDE TO PROTECTING YOUR MEDICAL RECORDS FROM CYBERCRIME
In the health care industry, data breaches are a common occurrence. Medical records are a prime target for cybercriminals. They […]
WOULD LOSS OF A JOB AFFECT YOUR CREDIT SCORE DURING THE CORONAVIRUS PANDEMIC?
As a result of the COVID-19 pandemic, the unemployment rate has risen significantly. While those facing unemployment worry about their […]
STUDENTS CAN ESTABLISH CREDIT THROUGH STUDENT CREDIT CARDS
While facing deep economic insecurity this fall, college students are returning to school or logging on from a distance. There […]
MAKE THESE 4 CREDIT MANAGEMENT MOVES WHEN YOU MOVE BACK IN WITH YOUR PARENTS
According to data from the U.S. Census Bureau, a record 32 million adult Americans live with their parents or grandparents. In addition to […]
COVID-19 TIPS FOR INDUCING ADDITIONAL INCOME
Over the past couple of months, COVID-19 has impacted people and businesses in all kinds of negative ways. The unemployment […]
THE CORONAVIRUS PANDEMIC AND CREDIT CARD TRAVEL REWARDS
The Coronavirus pandemic has cancelled travel plans across the globe, and it is likely to continue disrupting travel for some […]
SOCIAL MEDIA LOGIN ATTEMPTS ARE OFTEN FRAUDULENT, REPORT SAYS
A new report shows that scammers account for more than half of login attempts on social media sites like Facebook, […]
WHEN IT’S NOT WORTH YOUR TIME TO USE A STORE CREDIT CARD
Most retailers, including online sellers and department stores, have their own version of a store-branded credit card. You’ve probably been […]
THE DARK WEB IS SELLING MY INFORMATION: WHAT SHOULD I DO?
Millions of people’s personal information has been exposed to numerous data breaches in recent months and may be sold on […]
STUDENT LOAN SCAM: HOW TO SPOT IT
Student loan forbearance is one measure being taken to help Americans deal with the COVID-19 pandemic. As you might know, […]
TAX SCAMS: HOW DO YOU AVOID THEM?
Tax season is here, and it’s crucial to watch out for common tax scams. During the past nine years, more […]
CONSUMERS ARE VULNERABLE TO SCAMS UNDER NEW DEBT COLLECTION RULES
It may be true when they say “no good deed goes unpunished” as newly adopted regulations meant to protect consumers […]
HOW TO AVOID GIFT CARD SCAMS
Gift cards make great gifts. They show your loved ones that you know their interests and give them the freedom […]
PROTECT THE IDENTITY OF EVERYONE IN YOUR FAMILY
Credit monitoring shouldn’t be limited to protecting your own finances. The benefits of credit and identity theft monitoring should extend […]
8 WAYS YOU MAY BE THE VICTIM OF IDENTITY THEFT
Theft of personal information allows identity thieves to open fraudulent accounts, empty bank accounts, and wreak havoc on their victims’ […]
A COMPARISON OF CREDIT CARD FRAUD AND DEBIT CARD FRAUD: ARE YOU PROTECTED?
Did you know that disputing fraudulent charges on a debit card is different from disputing them on a credit card? […]
GRADUATION COMES WITH MORE ABILITIES, BUT ALSO WITH MORE RISKS FOR FRAUD AND IDENTITY THEFT
Graduation season is upon us, which means a lot of young adults will be going off on their own for […]
HOW TO RESTORE YOUR IDENTITY AND CREDIT AFTER AN ID THEFT
Identity Theft Recovery Plan: Start with Your Credit Report Check your bank accounts immediately if your personal information has been […]
BE SURE TO USE THESE 5 PASSWORD BEST PRACTICES
Passwords are one of the most important lines of defense in protecting your online accounts. Passwords protect your finances, credit […]
LOST OR STOLEN CREDIT CARD? HERE’S WHAT YOU NEED TO DO
Your credit card is one of the most valuable items in your wallet, so you may feel frantic if it’s […]
DOCUMENT PROTECTION AGAINST IDENTITY THEFT
Millions of Americans fall victim to identity theft each year. It’s a serious threat, since thieves can use your personal […]
WHY CREDIT CARDS ARE BETTER THAN DEBIT CARDS TO AVOID FRAUD
When it comes to protecting your ID, debit cards are one of the worst ways to use your money. Due […]
WHAT YOU NEED TO KNOW ABOUT THE DARK WEB AND CREDIT AND FINANCIAL SECURITY
Despite an increasing emphasis on cybersecurity, organizations continue to lose consumer data to hackers and data breaches on a regular […]
THE 3 BEST WAYS TO PREVENT CREDIT REPORT HACKS
Breach of data is a daily occurrence. Hackers are finding more ways to steal information from businesses that have personal […]
Credit Utilization Ratio: What Does It Mean?
You may have heard the term “credit utilization ratio” or “credit utilization rate”. In credit utilization ratio, the amount of […]
The Benefits of Securing Business Credit at Any Level
You might not know it, but business credit isn’t just for small business owners and those who work for large […]
What Happens When You Get Sick, and How It Impacts Your Credit
The millennial generation is more likely than previous generations to cope with chronic health conditions. According to a survey […]
Making Financial Decisions Using a Credit Score Simulator
Many financial decisions you make in your life are affected by your credit score, so it’s a good idea to […]
When Should You Ask for a Credit Limit Increase?
Your credit card issuer may raise your card’s credit limit for a number of reasons. It might be that you […]
What Can I Do To Protect My Business From Identity Theft?
Identity theft is on the rise, according to recent reports. As reported by Javelin Strategy, identity theft resulted in an […]
MAILING A PAPER CHECK SECURELY: 4 TIPS
Nowadays, it is possible to make almost any type of payment without a paper check. With Venmo or Zelle, you […]
BEWARE OF SCAMS RELATED TO THE NEW CHILD TAX CREDIT
This month, qualifying Americans are starting to receive monthly payments as part of an advance on the expanded 2021 child […]
DO YOU WANT TO DONATE TO A CHARITY? AVOID SCAMS BY FOLLOWING THESE BEST PRACTICES
Donating to charity is a worthwhile endeavor, and it can even result in some tax savings if you itemize […]
UNEMPLOYMENT BENEFITS FRAUD: 3 STEPS TO TAKE
Although layoffs and new applications for unemployment benefits have slowed, fraud attempts have not. COVID-19 continues to provide scammers with […]
SPOTTING EMPLOYMENT SCAMS
Using the same methods as real employers, employment scammers trick job seekers through job ads online, in newspapers and even […]
IDENTITY THEFT AND MAIL PROTECTION
You can find some of the most sensitive information in the mail: your name, address, contact information, bank account and […]
A DEBT COLLECTION SCAM: HOW TO SPOT IT
Debt collectors can contact you directly when creditors sell your unpaid debt to a collection agency. Fraudsters posing as legitimate […]
CREDENTIAL STUFFING: WHAT IS IT?
Different techniques can be used by hackers to steal your passwords. Credential stuffing is one way they can use your […]
HERE ARE SOME WAYS TO STAY SAFE WHEN DEALING WITH CHECK SCAMS
The COVID-19 pandemic has caused confusion in people’s lives and finances, leading to a rise in check scams. Wells Fargo […]
HOW TO AVOID THE TOP 3 ONLINE SCAMS
The recent Federal Bureau of Investigations Internet Crime Report shows that cybercrime has spiked, leaving hundreds of thousands of victims and costing […]
HOW SHOULD I PROCEED IF MY SOCIAL SECURITY CARD IS STOLEN?
A stolen Social Security card is a major cause for concern. Identity theft is the primary problem with a stolen […]
DARK WEB MONITORING: WHAT IS IT?
A dark web monitoring service searches for signs that your personal information is being misused on the dark web. Although […]
AFTER A DATA BREACH, HOW CAN I PROTECT MY PERSONAL INFORMATION?
A data breach occurs on average every three days, according to the Identity Theft Resource Center. This means your personal […]
THE WAY CYBERCRIME USES STOLEN PERSONAL DATA TO COMMIT TAX FRAUD
An identity thief who buys your personal information from a data breach can use it for all kinds of malicious […]
HOW CYBERCRIMES USE DATA BREACH TO THEIR ADVANTAGE
If you think that hackers can only operate in darkened rooms wearing hoodies, then you might be vastly underestimating the […]
AS A RESULT OF CORONAVIRUS, MORTGAGE LENDERS TIGHTEN THEIR BORROWING REQUIREMENTS
In addition to disrupting the economy, the Coronavirus has also influenced the housing market. Around 4 million homeowners have already […]
OVER HALF OF ONLINE USERS USE THE SAME PASSWORD FOR MORE THAN ONE ACCOUNT, STUDY READS
As social life moves increasingly online, monitoring your personal information becomes increasingly important. With an average of 27 online accounts, […]
STIMULUS CHECK MISSED? OTHER OPTIONS ARE AVAILABLE
Americans are relying on stimulus checks to help them cope with unemployment, decreased hours, and other financial hardships during the […]
CORONAVIRUS SCAM CAUSES FTC TO REPORT $9 MILLION IN LOSSES
Scammers target stimulus checks and small businesses seeking financial assistance with fake COVID-19 vaccines. In the period January – April […]
HOW TO BUILD A SMARTER EMERGENCY FUND
COVID-19 has taught us that having an emergency savings account is crucial for handling unexpected expenses. Whether it’s a […]
THE COVID-19 PANDEMIC AND HOW NOT TO MISS BILL PAYMENTS
Over 10 million Americans have applied for unemployment since last month due to the Coronavirus pandemic (COVID-19). If you’ve been […]
CORONAVIRUS (19) PANDEMIC: HOW TO RECEIVE FINANCIAL ASSISTANCE AND RELIEF
The coronavirus pandemic has already dealt a severe blow to the American economy and has caused financial insecurity for […]
CORONAVIRUS PANDEMIC: STRETCH YOUR FINANCES
In the United States, the Coronavirus (COVID-19) has already caused significant disruptions. Businesses are cutting back on services or closing […]
IRS TAX BILL TOO EXPENSIVE? HERE ARE SOME OPTIONS
If you do your taxes, you may find out you owe the IRS a hefty tax bill. There are millions […]
THE 4 BEST WAYS TO PLAN YOUR TAX REFUND
You receive a tax refund when you overpaid your taxes for the previous year and the government is returning your […]
DO YOU PLAN TO BUY A HOME? HERE ARE SOME HIDDEN HOME COSTS TO KEEP IN MIND
When you’re searching for your dream home, you’re probably most interested in two numbers: the sale price and the monthly […]
IS THEFT OF TAX IDENTITY OCCURRING? HERE’S HOW TO GET YOUR RETURN BACK
The tax season can be stressful – even if everything goes according to plan – but what happens when you […]
FICO TO RELEASE NEW CREDIT SCORE VERSIONS 10 AND 10T
FICO® has announced its newest credit score models – the FICO Score 10 and FICO Score 10T – with a focus on […]
A DEBT-FREE VACATION THIS YEAR: HOW TO PLAN
Taking a vacation that leaves you debt-free is ideal. However, traveling is expensive, and vacation expenses can really add up […]
A WAY TO PAY DOWN HOLIDAY CREDIT CARD DEBT
You’re not alone if you went into debt shopping for the holidays. Several American consumers plan to put some of […]
STOP BELIEVING THESE 5 CREDIT SCORE MYTHS
Since 2012, American consumers have had less knowledge about credit scores, resulting in a general lack of awareness around […]
A GUIDE TO MAKING SMARTER CREDIT DECISIONS IN THE NEW YEAR
Do you want to improve your finances in the New Year? Improving your credit habits should be a key part […]
AUTOMATIC BILL PAYMENTS: PROS AND CONS
Many banks and service providers now offer automatic payments to make paying your bills a little easier. With this feature, […]
A STEADILY DECLINING KNOWLEDGE OF CREDIT SCORE AMONG CONSUMERS
A recent survey conducted by the Consumer Federation of America and VantageScore Solutions LLC shows Americans’ knowledge of credit scores […]
VICTIMS OF A SOCIAL SECURITY SCAM ARE ADVISED TO TRANSFER MONEY TO PREPAID GLOBAL GIFT CARDS TO STEAL FUNDS
Scammers are using scare tactics and prepaid cards to steal victims’ money in a new Social Security scam. Fraudsters are […]
Inflation and Credit Scores – Does it Matter?
In the recent months, inflation has been a major topic in the news, with rising prices creating additional financial strain […]
How Does Over Drafting Affect Your Credit Score?
The mechanism by which credit cards work is not well understood, despite the fact that they are one of the […]
Debt Types: What Are They?
Debt is familiar to Americans. A record $14.96 trillion in debt is encircling 80% of them, according to the Federal […]
Is Your Credit Score Affected by Layaway?
If you don’t have the cash to buy an item outright, you still have a few choices. A credit card […]
To Buy a Car, What Credit Score Is Ideal?
Do you want to buy a new vehicle, but are worried about getting approved for a car loan? A lender […]
How Does Shopping Around for a Mortgage Affect Your Credit Score?
Shopping around doesn’t just apply to getting the best deals on winter clothes or home appliances. When buying a house, […]
Late Payments: 4 Myths
Your payment history is the single most important factor that makes up your credit score. Your ability to manage your […]
Credit Scores and Marriage: Does it Matter?
You agree to share your life with the person you love when you get married. Is getting married also a […]
Do You Need to Check Your Credit Score Frequently?
Your credit score predicts how likely you are to repay a loan on time. Credit scores are calculated using a […]
Employer credit checks: What you need to know
You probably already know you need to polish your resume, practice your interview skills, and create a list of positive […]
Are You Considering Getting Rid of Your Credit Cards? Read This First.
According to the Consumer Financial Protection Bureau in its latest semi-annual report, credit card debt has risen again after falling […]
Credit Card Late Fees: How to Avoid Them
Even if you’re diligent about paying your bills on time, mistakes can happen. Credit card late fees are no exception. […]
How to Prevent your Credit from being ruined by a Natural Disaster
Your credit can be saved by creating an emergency response plan for your finances during times of flux, such as […]
With a New Credit Card Program, Applicants with No Credit can Qualify using Their Bank Account
Traditionally, anyone applying for a credit card must undergo a credit check to be approved. In order to approve an […]