Category Archives: Credit Education

This is where you read about credit related information and learn more about why credit is important and how to maintain good credit. This section includes how to’s, where to’s and more.

What is a 3 in 1 credit report?

What is a 3 in 1 Credit Report? There are three credit reports that you should check on a regular basis – Equifax, TransUnion and Experian. With a 3-in-1 Credit Report, you can check all 3 at once without having to go to each website and check them individually. In addition to checking your credit … [Read more]

What is TransUnion, and why is it important?

What is Trans Union? Trans Union is one of the “Big Three” major credit reporting bureaus which are commonly used by insurers and lenders to obtain information on their applicants credit history. Based in Chicago, Illinois – TransUnion in 1968 by Union Car Company. As of 2006 it operates more than 200 offices across the … [Read more]

What is Experian, and why you should check your Experian Credit Report

What is Experian? Experian is one of the “Big Three” major credit reporting agencies. Formerly known as TRW Information Systems & Services, and headquartered in Dublin, Ireland, it is one of the credit reporting agencies commonly used by insurers and lenders to obtain information on their applicants credit history. Experian also owns FreeCreditReport.com and ConsumerInfo.com. … [Read more]

What is Equifax, and Equifax Credit Reports?

What is Equifax? Equifax is one of the three major credit reporting agencies, headquartered in Atlanta, Georgia. Formerly known as the Retail Credit Company (which was the name back in 1899 when the company was founded), it is an organization commonly used by insurers and lenders to obtain information on their applicants credit history. Equifax, … [Read more]

Identity Theft – It Can Happen To You

Identity Theft – It Can Happen to You Most people are unaware of identity theft until months after the fact when the damage is done and suddenly problems start cropping up everywhere. For most people, the first clues of possible ID theft are: Being turned down for credit because of low credit scores, and bills … [Read more]

How to improve a low credit score

Do you have a low credit score? First step is to get your absolutely free credit report & score, if you haven’t already. Your next step is to determine if your credit score is actually considered “low”. Sometimes it’s hard to figure out what exactly is a good or a poor credit score. The best … [Read more]

What is a credit score, and why is it important?

What is a Credit Score? Credit scoring is a scientific method that uses statistical models to assess an individual’s credit worthiness based on their credit history and current credit accounts. Credit scoring was first developed in the 1950s, but has come into increasing use in just the last two decades. In the early 1980s the … [Read more]