A credit bureau based credit risk scoring model, more commonly known as a credit score, is a numeric representation of your credit risk based on a review of the information in your credit file. The score is generated by a sophisticated credit scoring model, which is made up a series of complex algorithms. The most [...]

When you apply for a loan one of the things you need to consider is the term of a loan. Most lenders will offer you a 30 year or 15 year term. The insider tip here is that you have other choices that most lenders will not mention to you and you might want to [...]

Credit freezes are one of the most effective tools against economic ID theft available to consumers. They allow you to seal your credit reports and use a personal identification number (PIN) that only you know and can use to temporarily “thaw” your credit so that legitimate applications for credit and services can be processed. That [...]