*Just know: The Consumerist and JustAnswer are unrelated companies; as much as we want you to have a good experience, we have no control or responsibility for what happens when you leave our site and use JustAnswer.
Someone Steals My Credit Card Number So They Can Buy Credit Protection From Experian
Credit protection programs often cost money. So what's a someone who can't get the credit to buy such a program supposed to do? Well, in this case the answer was apparently "steal someone else's credit card number."
More »
Does A Bad Credit Score Mean You'll Be Bad At Your Job?
A growing number of employers are running credit checks on potential hires before making a job offer. Unfortunately, there are a large number of people out there whose credit reports are still marred by the recent and ongoing economic troubles. So does it make sense to consider an applicant's credit history?
More »
Freeze Your Credit Report
One way to protect yourself from identity theft is to "freeze" your credit report. This means that no new lines of credit can be opened in your name because lenders are prevented from taking a look at your credit report. This stops identity thieves from opening credit cards under your name and going on spending sprees. It also means extra hassle for you when you want to legitimately open credit. There's always a tradeoff between security and convenience. Here's how to do it.
More »
5 Myths About Your Credit Score
How one's credit score is computed is to most people a complete mystery, akin to figuring out a quarterback's passer rating. Thus, there are numerous myths and half-truths that have attached themselves to credit scores, some of them having at least a partial basis in fact.
More »
How Long Should Paid-Off Medical Debt Be Part Of Your Credit Report?
Right now, any medical debt that gets sent to a collections agency can remain on your credit report for up to seven years, even after it's been paid off. This ding on your credit score can be the difference between qualifying for a loan or being denied. That's why the House Committee on Financial Services is looking at a bill that would erase some paid medical debts from folks' credit reports.
More »
Do VIP's Get Privileged Treatment From Credit Bureaus?
NYT reports that the three major credit bureaus each keep a special VIP list of important people who are given preferential treatment when fixing their credit reports. The list has the names of celebrities, politicians, judges and others on it. When they have errors on their reports, they are fixed by employees who work in America, and fixed swiftly. The rest of us get our requests shunted overseas to be dealt with in a cursory manner.
More »
Trying To Ruin Your Ex's Credit Score Is Not A Good Way Of Getting Revenge
When a romance goes south, it's not unheard of for at least one of the parties involved to begin dreaming up clever ways to continue making the other person's life hell. And one thing you definitely don't want to do is try to screw with your ex's credit score.
More »
Someone Explain To Experian How American Express Cards Work
How does American Express work? Michael writes that Experian doesn't seem to understand how the company's credit limits work. His card technically has no limit, and this confuses Experian. They coped with the confusion by showing that instead of having theoretically infinite available credit, he had $0, making his pristine record look pretty bad to potential lenders.
More »
The Credit Score Experian Is Selling You Isn't The One Lenders Consider
If you've ever turned on a TV, you've seen those dudes singing about getting your credit score and making it seem like a good thing to do. Which it is, really, important to know that kind of thing. But a a new lawsuit filed against Experian, a super huge credit bureau, says that the company is intentionally misleading consumers about their scores.
More »
Experian Adds Rent Payments To Credit Reports
In what could be a boon to renters looking to build a credit history (or bad news if you have a roommate who always delays your rent), credit reporting agency Experian has begun incorporating data on rental payments into its reports.
More »