Experian http://www.wisebread.com/taxonomy/term/9647/all en-US What the New Credit Card Formula Means for Your Wallet http://www.wisebread.com/what-the-new-credit-card-formula-means-for-your-wallet <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/what-the-new-credit-card-formula-means-for-your-wallet" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/couple-credit-card-Dollarphotoclub_43166272.jpg" alt="couple credit card" title="couple credit card" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>FICO, the company that provides information to the three major credit bureaus, has made changes that could potentially lead to higher credit scores for millions of Americans.</p> <p>The changes <a href="http://www.fico.com/en/about-us/newsroom/news-releases/fico-score-9-introduces-refined-analysis-medical-collections/">announced in August from Fair Isaac (FICO)</a> could help those dealing with medical debt, and will also give a boost to people who were dinged with collections but paid off the related debts.</p> <p>Here's a look at what the changes mean for you.</p> <h2>Medical Bills Won't Hurt You as Much</h2> <p>FICO said that if you are someone whose only negative references are for medical collections, your score will rise an average of 25 points. FICO said it will use a &quot;more sophisticated treatment&quot; to determine the difference between medical and non-medical collections. In essence, FICO learned that many borrowers have medical debt, but that it's not necessarily an indicator that they won't pay back other monies owed. Critics of previous rules said penalizing people for medical debt was unfair, because patients often don't know what they owe hospitals and doctors and high medical fees combined with limited insurance coverage can be catastrophic to people's budgets.</p> <h2>Collections Won't Be Viewed Badly, as Long as You Eventually Paid</h2> <p>Under previous rules, borrowers saw their credit scores go down if there was any record of a collection &mdash; even if they eventually paid the debt off in full. In fact, those collections stayed on a person's record as long as seven years, even if they had no other unpaid debts. Now, getting a visit from a collection agency won't hurt you, as long as you pay whatever was owed. The Wall Street Journal reports that <a href="http://blogs.wsj.com/totalreturn/2014/10/17/millions-of-consumers-to-gain-access-to-credit-scores/">about one in ten people who had a collection</a> now have no balance at all. (See also: <a href="http://www.wisebread.com/the-5-best-secured-credit-cards?ref=internal">Best Secured Credit Cards to Rebuild Credit</a>)</p> <h2>Borrowing Should Be Easier</h2> <p>In general, these changes should cause credit scores to go up for most people. That means more people could qualify for loans and credit cards, and those who could already borrow will now get access to lower interest rates. But be careful: Just because you're eligible to borrow more money doesn't mean it's necessarily wise to do so.</p> <p>In an interview with the Wall Street Journal, one lawyer specializing in consumer protection warned of the possible negative consequences.</p> <p>&quot;A lot of people really just can't handle credit &mdash; you're not really helping them by allowing them to dig themselves into debt,&quot; Howard Strong, a lawyer in Tarzana, California, told the newspaper. &quot;It's like a sharp knife &mdash; if you don't know how to use it, you can cut yourself.&quot;</p> <h2>For Those With a Thin Credit History, It Could Go Either Way</h2> <p>If you're just starting to build your credit, you have what FICO refers to as a &quot;thin file.&quot; Previously, those with &quot;thin files&quot; were judged in absolute terms &mdash; you either paid your bills or you didn't. Now, FICO has the ability to analyze new borrowers in a more nuanced way. Depending on your payment history, this could improve your score or cause it to go down. If you've been great about paying your bills, even if you have a thin file, you'll probably be unaffected. On the flipside, you probably won't see your score improve if you've missed a lot of payments. It's those folks in the middle that may see an adjustment.</p> <h2>It May Not Impact Anything Right Away</h2> <p>FICO is hoping all three credit bureaus adopt the new scores this year. But it will take some time for lenders to adjust their policies. FICO said it will begin educating lenders now in the hopes they will be on board with the changes later in 2015.</p> <h2>It's Still up to the Lender</h2> <p>The FICO Score 9 is not the only score that lenders can look at. The Wall Street Journal reported that <a href="http://blogs.wsj.com/totalreturn/2014/10/17/millions-of-consumers-to-gain-access-to-credit-scores/">there are about 45 different kinds of scores</a> that lenders can look at, depending on the type of loan a borrower may be seeking. And even if they do look at the new FICO score and like what they see, they might still deny your loan for other reasons.</p> <h2>None of This Matters If You're Awesome</h2> <p>These changes to FICO scores could have an enormous positive impact for those with debt. But if you use credit responsibly by paying bills in full and on time, you probably already have great credit and won't notice much of a change.</p> <p><em>Do you expect the new FICO formula to change your credit score? Or are you already awesome?</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/tim-lemke">Tim Lemke</a> of <a href="http://www.wisebread.com/what-the-new-credit-card-formula-means-for-your-wallet">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-1"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/building-a-credit-history">Building a Credit History</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/once-bitten-twice-shy-what-is-credit-security-worth-to-you">Once Bitten Twice Shy: What is Credit Security Worth to You?</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-to-build-credit-without-using-credit-cards">How to Build Credit Without Using Credit Cards</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/fico-vs-fakes-are-you-getting-the-wrong-credit-score">FICO vs. Fakes: Are You Getting the Wrong Credit Score?</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/get-free-credit-score-monitoring-with-credit-karma">Get Your Free Credit Score from Credit Karma</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Credit Cards borrowing credit history credit score Equifax Experian fico lending TransUnion Mon, 22 Dec 2014 14:00:11 +0000 Tim Lemke 1270234 at http://www.wisebread.com Join Our Tweetchat on Thursday 4/10, 12pm PST for a Chance to Win $300 in Prizes! http://www.wisebread.com/join-our-tweetchat-on-thursday-410-12pm-pst-for-a-chance-to-win-300-in-prizes <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/join-our-tweetchat-on-thursday-410-12pm-pst-for-a-chance-to-win-300-in-prizes" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/THEwbchat-logo-605-v2_0_90.png" alt="" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Join our Tweetchat this <b>Thursday at 12:00 p.m. Pacific/ 3p.m. Eastern</b><span style="font-weight:normal"> for lively conversation and a chance to win a </span><b>$200 gift card or one of two $50 gift cards</b><span style="font-weight:normal">! Use <a href="http://www.tchat.io/rooms/wbchat">#WBChat</a> and <a href="http://www.tchat.io/rooms/creditinsight">#CreditInsight</a> to participate.</span></p> <p><b>This week's topic:</b><span style="font-weight:normal"> Credit scores and more! Learn why credit scores are so important, what makes up a credit score, and why it is essential to understand, build and manage your credit.<span style="mso-spacerun: yes">&nbsp; </span>. <span style="mso-spacerun: yes">&nbsp;</span>We&rsquo;ll chat about why having credit insight is about more than just a score and we&rsquo;d love to know how you educate yourself about credit!</span></p> <p>For an easy way to keep track of the conversation, try using <a href="http://www.tchat.io/rooms/wbchat">our special Tweetchat Chatroom</a>.</p> <p>Anyone can participate, but you must be following <a href="https://twitter.com/wisebread">@WiseBread</a> and <b>RSVP below</b><span style="font-weight:normal"> to win our prizes!</span></p> <ul> <li>First place: $200 Amazon GC</li> <li>Second place: $50 Amazon GC</li> <li>Third place: $50 Amazon GC</li> </ul> <p>Winner must be US resident 18 or older. Winners are randomly selected and announced within 1 day of the chat.</p> <p>To make it easier for us to keep track of attendees and pick our winners, please RSVP below with your twitter ID (put that in the &quot;Link Title&quot; field), email address, and your twitter URL (put that in the &quot;URL&quot; field, do not put your blog's url in there). Winners will be selected at random from RSVPs. If a winner is chosen who RSVPed but did not attend a 2nd winner will be chosen.</p> <script type="text/javascript" src="http://www.simply-linked.com/listwidget.aspx?l=5427cb33-f870-4fb8-9903-edd248ec2a72" ></script> <p><b>This Week's Chat is Sponsored by Experian</b></p> <p>This week, <a href="http://www.experian.com/consumer-products/credit-educator.html?WT.srch=PR_CIS_FinancialLiteracy_20140410_WBBlog_CE">Experian</a> is sponsoring $300 in prizes for our chat! They will be joining our chat, tweeting from <a href="https://twitter.com/experian_us">@Experian_US</a>.</p> <p><b>More About Experian</b></p> <p>Here's a message from our sponsor:</p> <p>&ldquo;<span style="color:#262626">Experian promotes greater financial health and opportunity among consumers by enabling them to understand, manage and protect their personal information, helping them control financial aspects of key life events, and make the most advantageous financial and purchasing decisions.</span>&rdquo;</p> <p><b>New Parenting Chat Immediately Before #WBChat</b></p> <p>Our sister blog <a href="http://parentingsquad.com/">Parenting Squad</a> (<a href="https://twitter.com/parentingsquad">@ParentingSquad</a>) will be hosting a parenting chat every Thursday at <b>11:00 am Pacific</b><span style="font-weight:normal">. Drop by for fun parenting conversations and a chance to win prizes! Use <a href="https://twitter.com/parentingsquad">#PSChat</a> to participate.</span></p><br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/ashley-jacobs">Ashley Jacobs</a> of <a href="http://www.wisebread.com/join-our-tweetchat-on-thursday-410-12pm-pst-for-a-chance-to-win-300-in-prizes">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-1"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/join-our-tweetchat-on-thursday-117-12pm-pst-for-a-chance-to-win-300-in-prizes">Join Our Tweetchat on Thursday 1/17, 12pm PST for a Chance to Win $300 in Prizes!</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/join-our-tweetchat-on-thu-127-12pm-pacific-for-chance-to-win-prizes">Join Our Tweetchat on Thu 1/27, 12pm Pacific for Chance to Win Prizes</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/join-our-tweetchat-on-thursday-922-12pm-pacific-for-a-chance-to-win-prizes">Join Our Tweetchat on Thursday 9/22, 12pm Pacific for a Chance to Win Prizes</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/financial-decisions-of-young-adults-highlights-from-our-chat-with-rutgers">Financial Decisions of Young Adults: Highlights from Our Chat With Rutgers</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/join-our-tweetchat-on-thursday-421-12pm-pacific-for-a-chance-to-win-prizes">Join Our Tweetchat on Thursday 4/21, 12pm Pacific for a Chance to Win Prizes</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Announcements Experian tweetchat wbchat Wed, 09 Apr 2014 22:59:14 +0000 Ashley Jacobs 1135029 at http://www.wisebread.com Join Our Tweetchat on Thursday 1/17, 12pm PST for a Chance to Win $300 in Prizes! http://www.wisebread.com/join-our-tweetchat-on-thursday-117-12pm-pst-for-a-chance-to-win-300-in-prizes <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/join-our-tweetchat-on-thursday-117-12pm-pst-for-a-chance-to-win-300-in-prizes" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/THEwbchat-logo-605-v2_0_26.png" alt="" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Join our Tweetchat this <b>Thursday at 12:00 p.m. Pacific/ 3p.m. Eastern</b><span style="font-weight:normal"> for lively conversation and a chance to win a </span><b>$200 gift card or one of two $50 gift cards</b><span style="font-weight:normal">! Use <a href="http://tweetchat.com/room/wbchat">#WBChat</a> to participate.</span></p> <p><b>This week's topic:</b><span style="font-weight:normal"> Credit Monitoring and Dispute! Learn about what impacts credit scores, why having a good credit score is important, and how to dispute your credit report. Share tips on how frequently to check your credit score and how to improve your score!</span></p> <p>For an easy way to keep track of the conversation, try using <a href="http://tweetchat.com/room/wbchat">our special Tweetchat Chatroom</a>.</p> <p>Anyone can participate, but you must be following <a href="http://twitter.com/wisebread">@WiseBread</a> and <b>RSVP below</b><span style="font-weight:normal"> to win our prizes!</span></p> <ul> <li>First place: $200 Amazon GC</li> <li>Second place: $50 Amazon GC</li> <li>Third place: $50 Amazon GC</li> </ul> <p>Winner must be US resident 18 or older. Winners are randomly selected and announced within 1 day of the chat.</p> <p>To make it easier for us to keep track of attendees and pick our winners, please RSVP below with your twitter ID (put that in the &quot;Link Title&quot; field), email address, and your twitter URL (put that in the &quot;URL&quot; field, do not put your blog's url in there). Winners will be selected at random from RSVPs. If a winner is chosen who RSVPed but did not attend a 2nd winner will be chosen.</p> <script type="text/javascript" src="http://www.simply-linked.com/listwidget.aspx?l=659af5bf-80b3-42d6-93ba-b865edb71732" ></script> <p><b>This Week's Chat is Sponsored by Experian</b></p> <p>This week, <a href="http://www.experian.com/credit-education/score-basics.html">Experian</a> is sponsoring $300 in prizes for our chat! They will be joining our chat (tweeting from <a>@Experian_US</a>) to share tips, tricks, and articles to help young adults with their finances!</p> <p><b>More About Experian</b></p> <p>Here's a message from our sponsor:</p> <blockquote> <p>At Experian, we&rsquo;re working to promote greater financial health and opportunity among consumers by helping them understand, manage, and protect their personal information.<span style="mso-spacerun: yes">&nbsp; </span>If you&rsquo;re interested in learning more about your credit &ndash; and how you can build a great credit history &ndash; subscribe to our <a href="http://www.experian.com/blogs/ask-experian/">Ask Experian blog</a> written by credit experts Maxine Sweet and Rod Griffin.<span style="mso-spacerun: yes">&nbsp; </span>And join our monthly chats with them on <a href="https://www.facebook.com/ExperianUS">Facebook.com/ExperianUS</a> and Twitter <a>@Experian_US</a> to get your specific questions answered.</p> </blockquote> <p><b>New Parenting Chat Immediately Before #WBChat</b></p> <p>Our sister blog <a href="http://parentingsquad.com">Parenting Squad</a> (<a href="http://twitter.com/parentingsquad">@ParentingSquad</a>) will be hosting a parenting chat every Thursday at <b>11:00 am Pacific</b><span style="font-weight: normal">. Drop by for fun parenting conversations and a chance to win prizes! Use <a href="http://tweetchat.com/room/pschat">#PSChat</a> to participate.</span></p> <p class="MsoNormal" style="tab-stops:107.0pt">&nbsp;</p><br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/ashley-jacobs">Ashley Jacobs</a> of <a href="http://www.wisebread.com/join-our-tweetchat-on-thursday-117-12pm-pst-for-a-chance-to-win-300-in-prizes">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-2"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/join-our-tweetchat-on-thursday-410-12pm-pst-for-a-chance-to-win-300-in-prizes">Join Our Tweetchat on Thursday 4/10, 12pm PST for a Chance to Win $300 in Prizes!</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/join-our-tweetchat-on-thursday-922-12pm-pacific-for-a-chance-to-win-prizes">Join Our Tweetchat on Thursday 9/22, 12pm Pacific for a Chance to Win Prizes</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/financial-decisions-of-young-adults-highlights-from-our-chat-with-rutgers">Financial Decisions of Young Adults: Highlights from Our Chat With Rutgers</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/join-our-tweetchat-on-thursday-421-12pm-pacific-for-a-chance-to-win-prizes">Join Our Tweetchat on Thursday 4/21, 12pm Pacific for a Chance to Win Prizes</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/join-our-tweetchat-on-thursday-915-12pm-pst-for-a-chance-to-win-200-in-prizes">Join Our Tweetchat on Thursday 9/15, 12pm PST for a Chance to Win $200 in Prizes!</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Announcements Experian wbchat Thu, 17 Jan 2013 00:04:17 +0000 Ashley Jacobs 965734 at http://www.wisebread.com Once Bitten Twice Shy: What is Credit Security Worth to You? http://www.wisebread.com/once-bitten-twice-shy-what-is-credit-security-worth-to-you <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/once-bitten-twice-shy-what-is-credit-security-worth-to-you" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/credit reporting.jpg" alt="credit cards" title="credit cards" class="imagecache imagecache-250w" width="250" height="250" /></a> </div> </div> </div> <p class="MsoPlainText">Anybody who has had their <a href="/get-your-own-identity-what-to-do-when-yours-is-stolen" target="_blank">identity stolen</a> is usually willing to pay good money to ensure it never happens again. Weeks upon weeks upon months of tiresome paperwork, changing bank accounts, switching automatic payments, and in some cases pleading a case for wrongly damaged credit is among the giant task list of nightmarish to-dos when you’re picking up the pieces after the fact. </p> <p class="MsoPlainText">&nbsp;</p> <p class="MsoPlainText">So what is it worth to you to try and avoid this problem altogether? Obviously, exercising due caution is easy enough to do and prudent to say the least. Don’t use a credit card or do banking over an unsecured wireless network. Be careful with your bank card and entering in PIN numbers in public places. Avoid using the same password for everything that also happens to be the name of your pet. </p> <p class="MsoPlainText">&nbsp;</p> <p class="MsoPlainText">In this day and age, most of these techniques are relatively commonplace. But what else can you do? </p> <p class="MsoPlainText">&nbsp;</p> <h2>Credit Reporting and Monitoring Services</h2> <p class="MsoPlainText">Most credit agencies like <a href="http://www.equifax.com" target="_blank">Equifax</a>, <a href="http://www.experian.com" target="_blank">Experian</a>, and <a href="http://www.transunion.com" target="_blank">TransUnion</a> have a credit reporting service you can subscribe to. For between $10 and $15 per month for example, the <a href="http://www.equifax.com/credit-product-list/" target="_blank">Equifax Credit Watch program</a> will alert you to any changes in your credit such as:</p> <ul> <li>Somebody trying to open an account in your name</li> <li>Credit inquiries made on your accounts</li> <li>Changes in your account balance beyond user-set parameters</li> <li>Even $20,000 in Identity Theft Insurance</li> </ul> <p class="MsoPlainText">&nbsp;</p> <p class="MsoPlainText">Experian and TransUnion have similar programs <a href="http://www.experian.com/consumer_online_products/triple_advantage.html" target="_blank">here</a> and <a href="http://www.truecredit.com/?cb=TransUnion&amp;loc=2091" target="_blank">here</a>. Most programs encompass monitoring of all three credit bureau activities, but before you race out and sign up it would be prudent to double check. Paying a monthly fee for a service that monitors only one third of your credit history is, well, only one third as good. </p> <p class="MsoPlainText">&nbsp;</p> <p class="MsoPlainText">Initially, it seems like a good deal, worth considering – especially for those who were once bitten and now twice shy.</p> <p class="MsoPlainText">But upon further consideration, I begin to question the value in the name of frugality. </p> <ul> <li>Can I not hop online and check my credit balances daily (or every other day), scanning for erroneous charges? </li> <li>If somebody does a credit check on me I’d like to know, but what if instead of subscribing, I periodically order a free credit report? Each of the three credit agencies usually allow one free report per year: if I timed it right I could check my credit activity every four months. </li> <li>And although the Identity Theft insurance sounds handy, with a little bit of elbow grease, I shouldn’t have to pay any erroneous charges to my credit cards or account change fees once we’ve established the identity theft as the cause. </li> </ul> <p class="MsoPlainText">&nbsp;</p> <h3>Then again…</h3> <p class="MsoPlainText">There’s no denying the fact that simply paying the monthly fee could be easier, and may give you some more <a href="/outsourcing-your-life-and-creating-new-businesses" target="_blank">free time</a> and well-deserved peace of mind. </p> <p class="MsoPlainText">&nbsp;</p> <h3>Then again…</h3> <p class="MsoPlainText">$10 here and $10 there, and you’ve blown your <a href="/the-retirement-latte" target="_blank">Latte Budget</a> before even getting one drop of caffeine into your system. </p> <p class="MsoPlainText">&nbsp;</p> <p class="MsoPlainText">So what is your credit security worth to you in this world of ever-increasing identity theft and credit crime? And what are you prepared to do about it?</p> <p class="MsoPlainText">&nbsp;</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/nora-dunn">Nora Dunn</a> of <a href="http://www.wisebread.com/once-bitten-twice-shy-what-is-credit-security-worth-to-you">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-3"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/what-the-new-credit-card-formula-means-for-your-wallet">What the New Credit Card Formula Means for Your Wallet</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/5-surprising-ways-revolving-debt-helps-you">5 Surprising Ways Revolving Debt Helps You</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/you-missed-a-student-loan-payment-now-what">You Missed a Student Loan Payment. Now What?</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/5-ways-life-is-amazing-with-an-800-credit-score">5 Ways Life Is Amazing With an 800 Credit Score</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/5-times-you-must-freeze-your-credit-report">5 Times You Must Freeze Your Credit Report</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Personal Finance credit card fraud credit monitoring credit reporting credit score Equifax Experian identity theft TransUnion Sat, 23 Aug 2008 01:16:25 +0000 Nora Dunn 2359 at http://www.wisebread.com