Freezing Your Credit Files

October 15, 2010

Mike Asks: How is it that I can prevent my former spouse from obtaining my credit reports and/or inquiries? A: You can stop anyone from accessing your credit without your permission by placing a freeze on your credit file. Security freezes are designed to prevent any credit reporting company from releasing your credit report without [...]

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Credit Card Offers

September 28, 2010

Q: I was sent an offer from American Express stating because of managing my finances wisely I was selected for a Green Card. I know applying for a credit card can lower my score, however the letter read “you have been selected for a “green card” so I accepted. An email came back stating I [...]

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Merged Credit Files

September 24, 2010

Q: How do you remove a item that on your credit report that has the same name and different ss# also does not belong to me? A: When you fill out a credit application you’ll notice there are a number of fields including name, address, date of birth, and social security number. The credit bureaus [...]

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