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New Articles
Is FACTA a success?
What is this credit score?
If it’s free, is it any good?
 
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Articles

Is FACTA a success?

The Fair and Accurate Credit Transactions Act of 2003 (FACTA) is designed to allow every American citizen to get a copy of their credit report without having to pay a fee. Each of the three major credit bureaus is required to supply one free copy every twelve months upon request. But, when it started, the [...]

What is this credit score?

When you ask any bank, finance company, retail outlet or service provider to lend you money, the credit decision depends on your credit score. It’s a simple but not always fair way of making the decision. If you’ve got a low score, the lender will either turn you down or ask you to pay a [...]

If it’s free, is it any good?

Years ago, people lived on what they earned and their savings. Suddenly, banks started to give overdrafts and credit cards were everywhere. People realized their homes were increasing in value and so were able to borrow on the security of that housing equity. In just a few years, savings were used up and credit bought [...]
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