Is a Free Credit Report Safe?

You see the ads everywhere; but is obtaining a free credit report safe? With a legitimate company and offer – like the 7-day trial free credit report online you get with ScoreSense membership – it is not only safe, it might be your best protection against identity theft. According to federal law, once a year…

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Avoiding Credit Card Fraud

Avoiding credit card fraud is important, because it helps protect your credit. Unfortunately, from online credit card fraud to outright theft of credit cards, there are many ways thieves can use credit card fraud to steal from us and hurt our credit scores. So what can we do to protect ourselves? If you have a…

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Are Free Credit Scores a Bargain?

Many online advertisements urge you to check your free credit scores, but they may not be as “free” at all.  Those services will lure you to their websites with offers of free credit scores online, but what you discover when you get there is that they are offering you an opportunity to look at your…

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Understanding All three Credit Scores

If you check your credit score, make sure you obtain all three credit scores. You can do that at otl scoresense.com. That’s right, you don’t have just one credit score; you have three credit scores. Many consumers don’t realize the three major credit bureaus – TransUnion, Experian and Equifax – each calculates a credit score…

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ScoreSense Resources: A Credit Checklist

If you’ve started your ScoreSense membership and received your free credit reports, you may be wondering how ScoreSense can help you build—or rebuild—your credit. Some unscrupulous companies promise instant relief from things like bankruptcies, because unlike ScoreSense, scams play on the consumer’s desire for a quick fix. While we wish that were possible, ScoreSense understands…

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Retire with Good Credit

Maintaining a good credit history throughout your lifetime is a worthy goal, but retiring with good credit is even more important for a variety of reasons.  When you’re young, it seems like you have a long time to rectify bad credit scores, and you do. However,  if you wait until too late in life to…

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How to Get Credit: Score vs. Report

When applying for a loan you may be faced with the quandary of how to get credit: score or report. What is the difference between obtaining a credit report versus your credit score? Which is easier to obtain, and which will ultimately determine whether or not you get that crucial loan or those lower interest…

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A ScoreSense Review of the Top Credit Pitfalls

We at ScoreSense review credit reports, and so we’re well aware of some of the challenges that consumers face when trying to build and maintain a favorable credit score. Unfortunately, many people make mistakes with their finances, simply because they do not know how to best manage their credit. Here, ScoreSense reviews some of the…

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Best Tips to Build Credit from ScoreSense

ScoreSense cares about empowering people to take charge of their credit and their lives. If you’re protected with ScoreSense, scam artists and ID theft pose less of a threat. However, building credit is still essential, especially before you have to make important life decisions. Here, ScoreSense offers some tips on building credit, from some of…

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What is Credit? Score Yourself in Our Quiz

Consumers often wonder “what is credit?” Score yourself on our quick quiz below to determine if you know the basics like credit score range, how credit is determined, and what credit is used for. The answers may surprise you. 1. What is credit? How much money you are allowed to borrow. Your reputation as a…

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