Caution!! Thieves love this time of year, do THIS now Part 2 of 2


Keep the fraudsters and identity thieves from opening accounts in your name, freeze your credit reports.

If you are serious about improving and protecting your credit scores, freezing your credit reports is essential. Do it now.

The previous posting covered the importance of monitoring your credit reports, bank accounts and credit card activity during this time of year when we are actively shopping and traveling. Keep thieves and fraudsters from getting into your accounts. The full post is Caution!! Thieves Love This Time Of Year. Part 1 of 2

The safety and security of our communities continues to be a top priority at Credit Repair USA. We are excited to provide our customers and friends with...

Caution!! Thieves love this time of year. Part 1 of 2

Shopping online and traveling or traveling and shopping in stores are two activities people will do between now and the end of the year. Both are prime opportunities for fraudsters and thieves to steal your money from your bank account, and hackers (many times “friends” and family too) to get your credit card information. What can you do now to protect yourself? Monitor and Freeze

The safety and security of our communities continues to be a top priority at Credit Repair USA. We are excited to provide our customers and friends with the knowledge and tools they need to protect themselves from fraud. We are happy to provide information on how to protect yourself and loved ones. Educ...

Never Co-Sign!


Never, Ever Co-Sign A Loan For Anyone

The word “co-signer” should send shivers up your spine. Lenders, the people that do loan money to many people all the time and have heard and seen every story, ask for a co-signer when they think a particular borrower is not going to keep making payments, so they want to be sure they can get the money from someone else. From the Consumer Financial Protection Bureau, “Co-signing an auto loan does not mean you have any right to the vehicle, it just means that you have agreed to become obligated to repay the amount of the loan.”

Thinking of co-signing for a loan with your true love, boyfriend, girlfriend, spouse? Remember breakups h...

What Equifax’s Credit Score Miscalculations Mean for Consumers

Amanda Barroso, Lauren Schwahn of NerdWallet

Equifax, one of the three major credit bureaus, announced that a computer coding error resulted in the miscalculation of credit scores for consumers in a three-week period between March 17 and April 6. For 300,000 consumers, the error shifted credit scores as much as 25 points. The changes to credit scores did not show up on credit reports, Equifax said in a press release.

While the error caused scores to shift in positive and negative directions, a 25-point drop in your credit score could do some major financial damage, especially if you're on the cusp of one of the credit bands. For some consumers, that could mean less access to financial services...