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Your Credit Whether you’re buying a home, a car or applying for a credit card – lenders want to know the risk they’re taking by lending your money. Understanding how credit plays an important role in your life is an important step to improving your credit scores which can often help you qualify for better rates from lenders, which can save you money.

We believe the more insight you have about credit, the easier it is to strengthen your financial well-being. For more than a decade, has been America's number one Credit Repair provider of credit information. In addition to credit report repair, we offer help online to teach you how to successfully manage your credit rating.


What's in a credit report?
What's a credit bureau?
What's included in a credit report?
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Types of information in a credit report
Where does the information come from?
Who can see my credit report?
What is a credit score?
How are credit scores calculated?
What is a "fico" score?

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First Things First Your Credit Report
FICO and You
Next Things Next Finding Your Score
Establishing Good Credit
Repairing Your Credit Score
Identity Theft and Your Credit
Raising Your Credit Score

Identity Theft and Your Credit

Criminals know how to steal your identity, and the worst part is that it is not all that difficult. You know all those credit card applications you get in the mail? If you do not shred them, they can use that to steal your identity.

It is not above them to sift through garbage to obtain social security number or a driver’s license number. Once they have vital bits of information, it is easy for them to steal your identity.

What they will do is scary. They will apply for credit cards in your name and max them out in a matter of days. They will obtain loans in your name and never make a payment. Then the loan company comes after you for the money. It is something that affects millions and millions of people each year and it can be a real mess when it comes to your credit report.

As many as 85 percent of all identity theft victims find out about the crime only when they are denied credit or employment, contracted by the police, or have to deal with collection agencies, credit cards, bills.

A study on the aftermath of identity theft by the nonprofit Identity Theft Resource Center found that victims spend 600 hours recovering from the crime because that must contact and work with credit cards, banks, credit bureaus, and law enforcement. The time can add up to as much a $16,000 in lost wages or income.

The number of reported cases of identity theft is increasing steadily. There is no one reason for this, but rather this is due to several ways in which our lives have changed in recent years, all of which make it easier for people to obtain our personal information.

In the United States, Social Security numbers are used more commonly as a means of identification. The internet has made transmission of personal information easy and, at times, less secure.

Marketing databases not only contain personal information, but they aggregate information on our spending habits as well as contact information. But potentially nefarious employees of these companies could have access to that information. They can than sell it online in chat rooms where criminals meet to swap information.