What Is A Credit Report?

A credit report is the sum of information gathered on your credit history, by a CRA (credit reporting agency). This information is then sold to credit grantors, such as banks, lending institutions and credit card companies.

Credit Scoring

Credit scores are a numerical representation that's obtained by using a formula to rate your credit report. Computer programs take your credit report, analyze certain factors, and then assign a number to you that's suppose to tell creditors of the likelihood that a you will repay a loan or credit card on time.

The Different Types of Credit Scores & Why They Vary

Lenders use a number of different credit scoring programs to determine what kind of risk you are. The best-known credit-scoring program is FICO.

Common Credit Terms

This is a glossary with common credit terms you should know when researching credit and credit reports. It has definitions for phrases ranging from annual fees to Trans Union.

What Are Credit Bureaus?

A credit bureau is merely a clearinghouse for credit history information. When a consumer applies for credit (or in some cases - employment or insurance) the potential lender requests a copy of that consumer's credit report.

Identity Theft

When bad things happen to your good name. This site helps you combat identity theft.

Elderly Fraud

This page talks about fighting fraud against older consumers.

Credit Reports Insantly

This site provides articles on how to discover credit fraud and offers credit reports.

Identity Theft In Health Care

This site talks about the growing problem of identity theft in the health care industry.