Debtor vs. Creditor- Who They Are & What The Difference Is

October 4th, 2018

What is the difference between creditors and debtors? If you’ve ever had to take out a loan or a similar form of credit, you’ve likely heard the words “creditor” and “debtor” used to explain the account. But sometimes these terms and their meanings can be confusing. Being informed of what creditors and debtors are and […]

How To Freeze Your Credit – For FREE

September 25th, 2018

After the 2017 Equifax data breach, American consumers everywhere wondered how they could protect their personal information from identity theft. Some placed credit freezes with Equifax, TransUnion and Experian; however, this often came with a fee that many consumers didn’t want to pay. In a national survey, NerdWallet found that 71% of Americans had growing […]

What to Know About Alternative Credit Data, Reporting and Scoring

September 13th, 2018

When someone applies for a new credit card or loan for a new home or car, the lender will review the applicant’s credit history to determine their approval or denial of the loan. But what happens if this is the applicant’s first loan? What if the consumer doesn’t have much credit history yet? What Is […]

Identity Theft vs Credit Card Fraud: What Are They and How to Protect Yourself

August 21st, 2018

Identity theft and credit card fraud have devastating outcomes if you’re the victim. However, many consumers don’t know the difference between the two crimes. This guide defines what identity theft and credit card fraud are and how you can protect yourself from damages. What is Identity Theft? Identity theft occurs when someone uses your identifying […]