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    http://www.creditinfocenter.com/about/
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  1. Because of new law signed last May by President Trump, credit freezes are now free at all three credit bureaus. The freezes formerly cost $10 per bureau. Once a report is frozen, it must be thawed and credit “thaws” also used to cost $10 per bureau, making the cost of a credit freeze $60 for […] The post Credit Freezes Are Now Free appeared first on Credit Info Center Blog. View the full article
  2. If you’re feeling wary about taking on a mortgage right now, you’re not alone. As reported by HousingWire, nearly one-quarter of Americans think high prices make this is a bad time to buy a home. On the flip-side, Yahoo Finance has good news on the same front – experts expect home prices to soften this […] The post 4 Things You Can Do While Waiting to Buy a Home appeared first on Credit Info Center Blog. View the full article
  3. Debt is easy to get into and can be extremely difficult to get out of. Whether you have recently managed to pull yourself out of debt or are new to the wonderful world of budgeting and financial planning, here are several ways you can prevent getting into the debt trap: Avoid Using Credit Cards Owning […] The post 8 Practical Ways to Keep Yourself Out of Debt appeared first on Credit Info Center Blog. View the full article
  4. If credit repair cost has you thinking twice about the process, get ready to feel much better about it. When you repair your credit yourself, the expense is far more manageable than you might think. Though there are costs ranging from the price of postage to paying off debt, you do not need to pay for credit repair services or some other things associated with the process. Get the facts about expenses you can expect and ones you can avoid. The post Credit Repair Cost: What You Can Expect and What You Can Avoid appeared first on Credit Info Center Blog. View the full article
  5. All the hype you’ve heard about credit unions is well-earned. It’s the reason we’ve seen growth at more than three times the rate of credit activity among consumers of other lender types. And it’s the reason you need to know how credit unions work and how to join one, which is easier than you might think. Whether it’s better customer service you’re looking for, or better chances of getting a loan when you’re trying to repair your credit, get the facts about how a credit union could be just what you need. The post Credit Unions: How They Work & How to Join (It’s Easier Than You Think) appeared first on Credit Info Center Blog. View the full article
  6. What if you filed your tax return only to discover that it had already been filed? Since filing your taxes isn't something you're likely to have forgotten doing, it's safe to say someone else filed your tax return in your name and had your refund sent to them. How could such a thing happen? All sorts of ways. We've compiled a comprehensive list of them based on the most recent IRS tax scam alerts. The goal? To protect your tax return, of course, but also to protect the sensitive information that fraudsters could use to commit identity theft against you for years to come and leaving you in need of credit repair. Take a look at how the latest tax schemes work, how to protect yourself, and what to do if you are targeted by one of these schemes. The post Tax Scams: What You Need to Know About the Latest Schemes appeared first on Credit Info Center Blog. View the full article
  7. Whether you need it now for a medical emergency or you’d like to have it on hand just in case, CareCredit can be a helpful credit card, especially with its deferred interest options. And you don’t need excellent credit to get it, meaning it can be a good way to not only finance health-related expenses, but also a good way to repair your credit score. That said, it’s important to understand what’s in the fine print or it could be costly. Get the facts about how CareCredit’s deferred interest financing works, where you can use CareCredit, what you can use it for, and more. The post CareCredit: What You Need to Know About This Healthcare Credit Card appeared first on Credit Info Center Blog. View the full article
  8. Whether credit repair is new to you or you’ve been at it for months, take the time to review what’s different in 2018 and what stays the same. Granted, the basics haven’t changed, but your credit repair efforts need to reflect what happened with the Equifax hack and Text for Credit technology in 2017. The post Credit Repair 2018: What’s Different & What Stays the Same appeared first on Credit Info Center Blog. View the full article
  9. If you want to repair your credit in 2018, look to the best-of-the-best blogging we did on the subject in 2017. Collectively, these comprehensive, easy-to-follow posts will tell you everything you need to know about repairing your credit -- this year, or any year -- from a 20-step DIY guide to 22 credit monitoring options. Get the facts and get to work! The post Our 11 Most Bookmark-Worthy Credit Repair Posts of 2017 appeared first on Credit Info Center Blog. View the full article
  10. If you’ve done much searching around for free credit monitoring, you know there is no shortage of services out there offering free access to your credit reports and scores all year long. Unfortunately, your options are more limited if you have a credit freeze on your reports (as it is now recommended we all have in the wake of the Equifax hack). Thankfully, there are some exceptions, meaning you need not sacrifice the free credit monitoring you need – for credit repair efforts and beyond -- just as much as you need your credit freeze. The post How to Use Free Credit Monitoring When a Credit Freeze Is in Place appeared first on Credit Info Center Blog. View the full article
  11. Envelope budgeting is exactly what it sounds like: You put cash in categorized envelopes and stop spending in those categories when the money is gone. But even this simple system has recently been complicated, as so much of the spending we do now is with debit and credit cards. You can certainly still use the old-school cash system, but, you may find that an envelope budgeting app is the more practical choice. Here’s what you need to know about both. The post How to Use Envelope Budgeting: Old-School Cash System vs. Virtual Envelope Apps appeared first on Credit Info Center Blog. View the full article
  12. When you have bad credit, making it better depends on your ability to do a couple of things that a credit freeze could impede: 1) monitoring your credit through credit monitoring services (with some exceptions), and 2) applying for new credit. That said, the last thing you want to do is forgo the credit freeze altogether. On the contrary, in the wake of the Equifax hack, a credit freeze -- also known as a security freeze -- is being recommended across the board. What you need to do instead is learn how to work around a credit freeze when you need to. The post How to Repair Bad Credit When a Credit Freeze Is In Place appeared first on Credit Info Center Blog. View the full article
  13. Done right, rewards credit cards can be lucrative and help repair bad credit. Done wrong, they can be costly and distract you from a different type of card better suited to your needs. So before you apply, get the facts first. How do cash, points, and miles rewards work? How do you compare and choose the best card? What kind of credit do you need to qualify? Get answers to these and other commonly asked questions about rewards credit cards. The post Rewards Credit Card FAQs: How They Work & How to Choose appeared first on Credit Info Center Blog. View the full article
  14. Whether you are a cryptocurrency skeptic or enthusiast, it is impossible to ignore this year's growth of cryptocurrency in general and Bitcoin in particular. As we reported in September, the total market capitalization of cryptocurrency reached $158.5 billion in August, an increase of 795 percent for the year. Then, in October, Bitcoin hit a record high of $5,866 per coin. The question is, should you jump on the bitcoin bandwagon and use it to diversify your investment portfolio? Of course, there is no universal answer to that. Our best advice is get the facts so you can decide what’s right for you. The post Making Sense of the Bitcoin Boom: Should You Invest? appeared first on Credit Info Center Blog. View the full article
  15. Whether you think you have all your bases covered, or you know you’re in over your head, this 8-part checklist can help you get holiday-ready finances. Equally instructional and motivational, this checklist will walk you through the process of creating a holiday budget and a strategy for sticking to it, including affordable gift ideas, holiday sale best practices, how to use (and not use) your credit cards, and what to do when you realize you’ve spent too much. We also cover ways you can hurt your credit during the holidays and the credit-healthy choices you can make instead. The post Holiday-Ready Finances: 8-Part Checklist for Your Budget and Your Credit appeared first on Credit Info Center Blog. View the full article