What are Red Flag Rules?  This concept is not to be confused with "Red Lining".  Red Flag Rules tell you how to develop and implement an identity theft prevention program in your life or business.  Any program must have four basic elements to create a framework within which to deal with the threat of identity

Privacy issues do not come into play with credit scoring. The application that you fill out to obtain credit is actually more encompassing that the amount of information provided to the credit reporting agencies. So if you are going to have a problem with privacy issues, it will reside with the creditor or lender, not

Credit reports can be mysterious documents to read and understand.  In this section, we will dissect the document by sections so you can become more familiar with the terminology, structure and information it contains about you. Primary Data (your identity):         Primary data consists of your first, middle and last name, including any prefixes and suffixes…i.e.

You have probably heard the buzz at some point:  "there are ways to create an alternative tax identification number".  So I felt it was important to discuss this subject so you know the facts, and not believe the "hype" on the internet. At one time, hundreds of websites were advertising that they could get you

Did you know that at least 85% of credit reports in the United States have errors?  Do you understand what those errors mean to you?  Well, most of us don't know the whole story.  The three major credit bureaus, Experian, TransUnion, and CSC/Equifax, are the main repositories of data that is reported about your credit