Dear Savvy,
I've been meaning to take a $5,000 personal loan. However, as you may know, my bank WaMu was bought by JP Morgan Chase. I'm not sure what kind of effects this would have on me or my bank.
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Dear Savvy,
I've been meaning to take a $5,000 personal loan. However, as you may know, my bank WaMu was bought by JP Morgan Chase. I'm not sure what kind of effects this would have on me or my bank.
on Yahoo! |
TransUnion's class action case was settled at the beginning of Summer, and now that the season has come and gone, your chance to get free credit monitoring services is almost up, too. The settlement's terms include most consumers — if you had any open lines of credit (including credit cards and loans) from Jan. 1, 1987, until May 28, 2008, you are eligible to receive free 24-hour credit monitoring from TransUnion for either six or nine months.
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Making punctual payments on your debts has a huge impact in maintaining (or achieving) a high credit score, and tardy payments can leave a negative dent in your credit. Have you ever been late in making a payment?
Source
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Just as there are several companies and agencies capable of generating your credit report, there are many sources that offer credit scoring services. The September issue of Consumer Reports describes how The Consumer Reports Money Lab spent $130 to determine how the scores may vary, and the results proved the point that scores from different sources can seem like they belong to different people! See the details of their experiment and what it all means to you when you .
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Checking your credit report is as easy as visiting a website and entering your personal information, and other parties can access your report when a loan or credit is involved. There are two types of credit checks: hard and soft. Do you know the difference?
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Last week, in the biggest case of identity theft ever, 11 men in five countries were charged with stealing more than 40 million credit card numbers from US retailers. Unfortunately, 73 percent of you aren't strangers to having your credit card information compromised, but it seems that some of us might be in the dark about our card's safety.
According to The Wall Street Journal, most states require full disclosure to customers when credit-card data is stolen from a company's stores.
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Acquiring your free credit report is relatively simple: Just remember to visit AnnualCreditReport.com for up to three reports each year, not tricky FreeCreditReport.com.
Unfortunately, getting your free credit score isn't as direct. There are certain little loopholes that can get you a complimentary score, but there also a handful of legitimate circumstances that grant you a free credit score — no slick loopholes required.
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You know it's important to maintain your own credit identity when you're married, but here's what ehadams is curious about: "What happens to credit when you get married? For example, if he has bad (or no credit) and you have excellent credit, what happens?" The answer to this is less complicated than going through the process of changing your last name!
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You may assume your husband's last name when you get married and you might even merge bank accounts. Just as you maintain an individual identity outside of your husband and your new last name, you need to protect yourself by sustaining your own credit profile. This can be accomplished even if you combine checking and savings accounts.
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