Credit

How Long Do Negative Items Stay on Your Credit Report?

EPF November 10, 2015

So you missed a payment, or maybe you have an account in collections, but that does not mean your mistake will haunt you forever. The credit report bureaus that calculate

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Credit

Tips to Significantly Increase Your Credit Score Only with Credit Cards

EPF November 9, 2015

Using your credit card is often deemed a credit-killing move, but the truth is that you can use them for your advantage. This is because not only bad borrowing behavior,

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Credit

6 Tips for Veterans to Prevent Identity Theft

EPF November 7, 2015

Not long ago, veterans were considered the most-targeted group by identity thieves in the United States. In fact, 26.5 million identities were compromised as a result of poor data encryption. Veteran

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Credit

What Credit Score is Needed to Buy a House in 2020?

EPF November 6, 2015

To finance a home, you must have a reasonable credit score but, there are many other dynamics that factor into whether you get approved. Other credit factors, like your payment

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Credit

What is a Credit Freeze?

EPF November 6, 2015

A credit freeze is a complete lock-down of your credit report. It involves restricting the major credit bureaus from selling or sharing your data to creditors. By doing so, the only new

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Credit

What is a Fraud Alert?

EPF October 31, 2015

A fraud alert is a feature offered by each of the three major credit report bureaus -- Equifax, Experian and TransUnion. It is used to mark credit reports to let

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Credit

Types of Identity Theft – What are They and How Do They Work?

EPF October 26, 2015

Identity captors are all around you. In fact, they surround you. And it’s just a matter of time before you become one of the many millions of American identity theft

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Credit

Celebrity Identity Theft – Should Famous People Worry?

EPF October 26, 2015

When your information is out in the open, you never know if someone is going to abuse it. This dynamic is much worse if you are a celebrity, as there

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Credit

Types of Social Engineering Identity Theft and How They Work

EPF October 26, 2015

Is your identity safe? There are just too many ways to compromise it. All it takes is to have a smart enough person trying to take your name. And that's

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Credit

Criminal Identity Theft – Watch Out before it’s Too Late!

EPF October 26, 2015

Criminal identity theft is a particular type of identity crime that involves the impersonation of others for the purpose of bypassing criminal liability. This type of identity theft often involves

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