Credit Reports

No, it won’t. While your payment history is the most important factor in determining your credit score, early payments won’t change your payment history (only paying your bills on time or not).

You have the right to dispute incomplete or inaccurate information in any consumer report prepared about you by a consumer reporting agency (CRA) including credit reporting agencies (credit bureaus) and specialty agencies (check writing history, medical records, rental history).

The Federal Trade Commission (FTC) recently released details of its settlement agreement with Equifax concerning its 2017 data breach exposing the sensitive personal information of more than 147 million Americans. Read More

Others can get your personal information in many ways including

While you can't always prevent identity theft, you can reduce your risk.

Hardly a day goes by where data breaches and identity fraud don't make the headlines. In such a world, you may find yourself researching credit monitoring services.

Medical debt often results from unpredictable events, but you shouldn’t let them ruin your credit for years to come. Many Americans are impacted by medical debt—it makes up a large portion of reported debt on credit reports.