"There is treasure to be desired and oil in the dwelling of the wise; but a foolish man spendeth it up."  Proverbs 21:20

Obtaining Your Credit Report

For better or for worse, 21^st century consumers have become heavily dependent upon credit as their preferred means of making purchases.  On the other side of the coin, your credit is also how you are evaluated in our credit culture.  Most people recognize that their credit history is checked when they apply for a loan or a credit card, but may not realize that their credit may also be checked for such things as obtaining insurance or when they apply for a job.  In this credit-driven society, it is very important that you build and maintain a good credit history.  One very nice benefit for everyone living in the United States is that they are eligible to obtain a copy of their credit report for free.  The Fair Credit Reporting Act (FCRA) signed back in 2003 requires each of the nationwide consumer reporting companies – Equifax, Experian, and TransUnion – to provide you with a free copy of your credit report, at your request, once every 12 months.  Read Article

Preventing Identity Theft

According to the Federal Trade Commission, more than a half-million Americans will have their identities stolen this year.  This can result in great anxiety and expense for the victim.  In fact, the average person will spend an average of 175 hours and $800 just to clear their names.  Although there is no fool-prove way of guaranteeing that this will not happen to you, there are a few precautions you can take to safeguard against identity theft.  Read Article

Recovering Your Identity

There is no way to completely insure that identity theft will never happen you.  In this article, we will address some of the things that you can do to limit the damage in case the unthinkable does happen to you.  Read Article

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