View Post

Free Credit Freezes: Do You Need Them?

October 18, 2018 Shawn Lane Consumer Credit Expert There is no surefire way to keep your personal information safe and protected. The Equifax Data Breach of 2017 alone exposed the sensitive, personal information of some 143 million consumers in the US. The Under Armour data breach, which occurred in the spring of 2018, exposed another 150 million consumer records as …

View Post

How Co-Signing Impacts Your Credit

July 25, 2018 Shawn Lane Consumer Credit Expert Most credit questions asked of me can be answered exactly the same. “It depends…” Question: How will an inquiry impact my credit? Answer: “It depends” Question: How will opening a new credit card impact my credit? Answer: “It depends” Asking how co-signing impacts your credit is no exception. The effect which co-signing …

View Post

3 Steps to Overcome Identity Theft

June 27, 2018 Shawn Lane Consumer Credit Expert Identity theft isn’t a 4-letter word, but it probably should be. If you have ever been a victim of identity theft then you are sure to agree. It is a scary unsettling crime, which can haunt you for many years, unless you take control of the situation. What Is Identity Theft? Identity …

View Post

Why Paying Your Credit Card On Time Isn’t Enough

June 14, 2018 Shawn Lane Consumer Credit Expert Basic credit common sense tells you that paying your bills on time is essential to maintaining a good credit rating. What you may not realize, however, is that your payment history is only one component of good credit. Payment history absolutely matters, but keeping your payments on time alone is not enough …

View Post

How a Good Credit Score Can Improve Your Life

March 21, 2018 Shawn Lane Consumer Credit Expert There is no sugar-coating the fact that life can become a lot more complicated whenever you are faced with credit problems. Sure, you can get by with bad credit and low credit scores, but living like that can be expensive, not to mention stressful. On the other hand, when you work hard …