Get Free Personal and Business Credit Scores at Nav.com

  Learning more about your business credit is not as simple as it is for your personal credit. It's a totally different system for business credit and there are fewer services available for checking it. Thankfully, Nav.com If you click this link and make a purchase, we earn a commission at no additional cost … [Read more...]

Build Your Credit and Savings at the Same Time with Self Lender [It’s Legit!]

This post is brought to you by Self Lender. While this post was sponsored by Self Lender, all content and opinions expressed here are my own. PT's note: I first heard about Self Lender when a close friend asked me, "hey, is Self Lender legit?" His wife wanted to start improving her credit and wanted to know if Self Lender was a good option. It's definitely a novel concept and has that too-good-to-be-true feel. As it turns out, they are legit (I've met their team in … [Read more...]

Experian IdentityWorksSM Review: [FREE TRIAL] ID Theft Protection Plus Credit Reporting

**This article contains sponsored advertising content. About IdentityWorksSM In 2016 alone, more than 15.4 million consumers in the United States were victims of identity theft with more than 16 billion dollars stolen. With online shopping and credit card usage skyrocketing, it is not surprising that identity theft hit an all time high in 2016. Recognizing this fact, Experian has been offering consumer protection from identity theft for close to a decade. The … [Read more...]

Finances in Order? Don’t Forget to Monitor Your Credit [TransUnion Credit Monitoring Review]

This post is brought to you by TransUnion. While this post was sponsored by TransUnion, all content and opinions expressed here are my own. You’ve come a long way in your financial journey. You mostly follow your budget, you’re no longer surprised by financial emergencies, and you are working on saving for long-term goals, like home ownership, college, or retirement. It can be easy to feel like you can rest on your laurels once you get to this point. After all, … [Read more...]

Best Identity Theft Protection Services for 2019

Identity theft is one of the modern age’s most pervasive and expensive financial problems. According to the 2018 Identity Fraud study released by Javelin Strategy & Research, $16.8 billion was stolen from 13.1 million American consumers in 2017.  That's up from the $15 billion frauders stole in 2015. The credit card and banking industries are working to thwart identity thieves. They've instituted chip-and-pin technology on … [Read more...]

The Best Free Credit Score and Monitoring (of 2019)

If you’ve ever applied for a loan, credit card, or tried to rent, your credit score and history have most certainly been reviewed.   Whether you agree or disagree with the need for credit scores, they're a financial measure of one’s ability to make payments. Scores are widely accepted today across all aspects of your financial life. Of course, if you pay with cash, own your home, vow to stay out of debt, avoid car payments or other forms of debt, the need for a … [Read more...]

Got Medical Debt? Here’s Good News About Its Effects On Your Credit Score

According to the Wall Street Journal, 64 Million Americans have medical debt on their collection report. That’s an astonishing number and certainly raises awareness and some concern for this financial issue. People are fighting to get out of medical debt, or buried so deep they don’t know what to do. Is that you? Financial gurus advise people to save for emergency situations, such as with the unplanned medical expense. That’s certainly sound advice and the right … [Read more...]

The Surprising Results of My Experian Credit Educator Session

I just discovered how I can take my Vantage credit score from 834 to 865. Follow along to see how. I'm not big on obsessing about one's credit score. You shouldn't be either. But if a few small changes can have a significant impact on your score, then I don't see the harm in taking a stab at making those changes. After all, I do plan on doing some more real estate investing and credit card bonuses in the next couple of years. Having a solid score means I get the … [Read more...]

How to Protect Yourself From Credit Card Theft

Are you prepared in the event that your credit cards are stolen? If you were to turn over any credit or debit card in my father’s wallet, you would find that instead of signing his name in the signature box, he had written “Check Photo ID.” His rationale was twofold: 1. On the off chance that a cashier or waiter were to actually try to compare the signature on the card with the one on the charge slip (which, as a former retail employee, I can tell you is a rare … [Read more...]

How to Help Your Teenager Begin to Build Credit Responsibly

Your little one is all grown up! He might be heading off to college in the fall, or she might start working full time after high school graduation. In either case, your job as a parent isn’t quite done. You also need to make sure they are on the path to building good credit. The good news is that you no longer have to worry about credit card companies persuading your teenager to sign up for a credit card he might not be ready for in exchange for a Frisbee, a … [Read more...]

The Five People Who Hold Your Bad Credit Against You

Who's been looking at your credit score? There are people in your life who have a bias against you and your poor credit. The mistakes that you have made with debt not only put blemishes on your credit report and lowers your credit score, but they let people in your life hold your bad credit over your head in some way. A bad credit score or report can have a much further reach than simply costing you a higher interest rate on a new loan. It can cost you the … [Read more...]

VantageScore Just Released a New Credit Scoring Model but FICO is Still King

VantageScore recently released a reimagined version of its credit-scoring model. Dubbed VantageScore 3.0, the model considered 900 data points and tested 50 different algorithms before deciding on the 3.0 model. The result, according to the company, is a 25 percent predictive lift over previous models. Among the biggest changes, the scoring range now lines up with the FICO model in order to give customers a side-by-side comparison of their scores. According to CNN, … [Read more...]