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Entries Tagged as 'Consumer Info'

Text for Credit? What You Need to Know

July 18th, 2017 · No Comments · Consumer Info

What if applying for a new credit card were as simple as texting “CREDIT” to a credit card issuer? It’s practically that easy with Experian’s Text for Credit™ technology. But before you get too text-happy with tech like this, make sure you know how it works and what you’re getting yourself into. Yes, taking on new credit accounts is a great way to rebuild bad credit (or maintain the good credit you already have). But the easier it is to apply for credit, the easier it is to complicate your finances and ultimately hurt your credit score. To use Text for Credit effectively and responsibility, here’s what you need to know.

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You May Not Even Realize You Agreed to Mandatory Arbitration: What Every Consumer Needs to Know

June 20th, 2017 · No Comments · Consumer Info

Let’s say you order a credit report from Equifax. You find a mistake on it. You dispute the mistake – an essential step in the credit repair process – but it’s not corrected. You know the information being reported by Equifax is wrong so you decide to take them to court. Only you can’t because you signed that right away when you agreed to the terms required to see your credit report through their website. If you have a dispute with them, you are limited by the mandatory arbitration clause that negates your right to a day in court (or the participation in a class action lawsuit). It’s not just credit bureaus that include mandatory arbitration clauses. It’s companies providing all sorts of financial products and services that you probably use. Here’s what you need to know about them.

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9 No-Nonsense Ways to Build the Best Credit

March 28th, 2017 · No Comments · Consumer Info

Whether you’re looking for every trick in the book to fix bad credit or the bare bones of credit-building basics, this is the list for you. Because while there are plenty of tips here that might read like tricks, they’re really just practical approaches. You’re probably doing more right than you realize and anything you need to do better can, with practice, become another good habit.

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