Steve Ely, CEO of eCredable, used to work for Equifax running the Direct Consumer Business. One of the challenges he experienced was they had a very limited scope in terms of how they could help consumers. Consumers really wanted help with financial advice or with their credit file but that…
Read MoreThere are 5 things that need to be in place before paying off debt and saving for the future: Get on the same page with your spouse or accountability partner Commit to never borrow money again. No more debt Prepare a written budget or spending plan TEMPORARILY stop…
Read MoreKeeping an eye on your credit report is important but can be scary the first time. In this tutorial I take you step by step through the simple process and you get to watch as I get my credit bureau report in less than 10 minutes. Update: I’ve…
Read MoreI’ve come up with a new motto: “Say NO to FICO, I’m working on my DEBIT SCORE”. FICO is the company that collects consumer credit data. They are in the business to sell this information to individuals and companies and offer to sell it to you with your “Credit…
Read MoreA few months ago I showed how to check your credit file disclosure, most commonly known as a credit report without a score. The website: www.AnnualCreditReport.com , sponsored by the three credit aggregate companies (Experian, Equifax, and TransUnion) offer a free peak at your file. Of course, this…
Read MoreThe common opinion about credit cards is that they are safer than a debit card. But a debit card is just as safe when used in the credit function (not using the PIN number), as stated on Visa’s own website: http://usa.visa.com/personal/using_visa/personal_finance/debit.html Benefits of a Visa Debit card: *…
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