Consumerist
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Car dealers can use your drivers license to access your credit report
"An auto dealership checking a consumer's credit through TransUnion is not required to have the individual's social security number (SSN) in order to submit the request," says Steven Katz, a TU spokesman. Does the dealer need your permission to do that? "The dealer does not need ‘permission'; rather, it needs only certify a permissible purpose (such as extension of credit)," says Katz. [Consumer Reports] MORE » -
questions, answered
Will My Credit Score Hurt If I Pay Off And Close My Credit Card?
Does paying off and closing a credit card hurt your credit score? That's a two-part question. The answer to the first one is no, it helps, and the answer to the second is yes, closing your credit card hurts your credit score. Credit bureau Exerpian's "Ask Max" says, More » -
customer service hell
Unexplained Car Payment Reversals Drive Couple Into Bad Credit
Kristin and her husband say they've made all the payments on their Nissan Altima on time, but Nissan has nevertheless denied their payments and reported them delinquent to credit bureaus. Customer service won't help, and they don't know what to do. Their story: More » -
recession
Dirty Credit Report Scuttles Job Prospects
Dan Denton was about to get a much-needed job. Then the recruiters saw his blemished credit report and took away their offer. More » -
When your credit score sustains a dent, make sure your car doesn't. Because higher car insurance is just what you need when you've lost your job. Auto insurers use customers' credit scores as part of the formula to determine premiums. Shop around—different companies assign different weights to credit score in their calculations. [MainStreet.com]
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credit
FICO Confirms: Reduced Credit Lines For Good Borrowers
A study from Fair Isaac confirms that even the best borrowers are seeing their credit lines slashed as banks move to boost profitability during the recession. 16% of Americans have seen their credit lines reduced by an average of $2,200, and of them, 11% had no late payments or negative marks on their credit report. More » -
annual credit report
Consumer 101: Get Your Free Credit Report From "Annual Credit Report.com"
You've probably seen those commercials featuring a friendly looking jackass and his factually inaccurate songs about what can happen to you if you don't check your credit report. It's true, checking your credit report is a good idea, but you can avoid subscription-hawking pay sites and, instead, go to AnnualCreditReport.com. More » -
credit bureaus
Mailing Addresses For TransUnion, Experian, Equifax
Having trouble finding the mailing address for any of the three major credit bureaus, TransUnion, Experian, Equifax? Here they are: More » -
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freecreditreport com
Another Consumer Scammed By FreeCreditReport.com
Freecreditreport.com is NOT actually free, nor is it related to Annualcreditreport.com, the free credit report that you are entitled to under federal law. So why are people still being tricked into signing up for a credit monitoring service in order to get something that they are entitled to under federal-freaking-law? Because the credit bureaus are linking them to the website and most consumers don't believe that a major credit bureau would try to trick them. Always read the fine print! More » -
id theft
What's A Credit Freeze And How Can I Get One?
A credit freeze is a tool to prevent ID theft for those people who believe that their information has been compromised. If an ID thief applies for credit and your report is frozen, the thief will be denied. More » -
strange conversations with csrs
AT&T: Don't Worry, We Reject Everyone On The Basis Of Their Credit
Jim writes to tell us that he ordered AT&T U-Verse (it's supposed to be installed tomorrow) and was surprised to find a letter in his mailbox telling him that AT&T had decided to "Limit and/or deny the purchase of products and/or services" based on his credit report. More » -
credit
Repair Your Credit By Disputing
Reader and blogger DDL sends in a story about a "friend named Max" and his successful credit repair strategy. Max raised his credit score 100 points by employing the following technique: More » -
consumerist kit
Your Good Name: Build Credit With Loans & CD's
Here's a method from Wikihow on building up your credit and creating credit references. More »
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