How can you get a free credit report?

It’s very easy to get a no strings attached credit report. Simply go to www.annualcreditreport.com and follow the instructions for obtaining a credit report from each of the three credit reporting agencies. They offer online access to your reports or they will mail...

Think Twice Before Co-Signing A Loan

It is so tempting to say yes when a loved one asks you to co-sign for a loan they so desperately need. Regardless of how large or small the loan may be, adding your name to someone else’s debt is a very serious financial step. When you co-sign a loan, you’re signing a...

One Late Payment Does Make A Difference

A late payment on one account could cost you higher rates and fees on all of your accounts – from your credit cards to your auto insurance. Many auto insurers use statistical analysis to determine that people with bad credit are more likely to file claims, so are...