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The sheriff shows up at your door to serve you or you get a certified notice that you are being sued for a credit card debt. Panic sets in and often there is the feeling that there is nothing you […]

If you have been a victim of identity theft or worried that you may be, protect yourself from an identity thief opening accounts in your name by adding a fraud alert to your credit report. If you have a fraud […]

As of 2018, new protections for service members & veterans were signed into law. Highlights are: Free security freezes and one year fraud alerts at the 3 credit reporting agencies (Equifax, Experian, Trans Union); Holding lenders to more stringent requirements […]

Did you ever wonder if you still owe a debt when you see “charge off” on an account balance listed on your credit report? Here is Experian’s explanation of what charge off means: https://www.experian.com/blogs/ask-experian/what-does-charge-off-mean/  

You are entitled to a free copy of your credit report from Equifax, Experian and Trans Union (each) online once every 12 months. Go to www.annualcreditreport.com and follow the prompts to request your free credit report from Equifax, Experian and Trans Union. […]

The U.S. House Committed Voted to reduce credit bureau consumer protections. Read on… https://www.huffingtonpost.com/entry/after-the-equifax-data-breach-why-did-a-us-house_us_5a317318e4b04bd8793e96a7

This article discusses that consumer credit reports continue to be riddled with tens of million errors annually. https://www.commerce.senate.gov/public/index.cfm/pressreleases?ID=F9A0E879-083B-4F46-AC1C-0BC0AF1F4290 Pine Street Legal will assist you in disputing credit report errors and if the errors continue, Pine Street Legal will get you […]

  File your taxes as soon as possible. Ask your doctors’ offices for copies of your medical files. Go paperless. Dedicate one computer or prepaid cellphone for all your online financial activity. Open a My Social Securityaccount with the Social Security […]

Pay on time. Limit how much available credit you use to 30% per card, 10 % across all cards. Avoid opening store cards since that will lower the average age of your accounts. Keep old cards active, since the length […]

From Leo Notenboom’s newsletter Ask Leo Consider just the first four items in the list above: names, Social Security numbers, birthdates, and addresses. That’s generally enough to open a credit card account in your name — a credit card account […]