AdvocateAndy has a great explainer on the credit bureaus! They absolutely are not your best friend! I'm a consumer advocate and one of my first reports was: Nightmare on Credit Street-How the Credit Bureaus ruined my Life!
Interesting. MNPS had a big data breach about a year ago and offered teachers free credit monitoring through Experian. Of course I signed up. Every week since then I've gotten e-mails that tell me I will improve my credit score if I get another credit card. I don't want another credit card! I have 2, and that is all I need. I get lists of credit cards and am encouraged to open up another line of credit. At first I looked at the credit card offers. I asked myself, " Why not get more credit?" But it just seemed like a hard sale, so now I just hit delete.
Thanks for that, Susan - and yes, best to stay away from Experian’s “offerings” or “help” - you can freeze your credit for free (which protects you from ID theft, fraudulent applications for credit) - delete is the way to go!
AdvocateAndy has a great explainer on the credit bureaus! They absolutely are not your best friend! I'm a consumer advocate and one of my first reports was: Nightmare on Credit Street-How the Credit Bureaus ruined my Life!
Interesting. MNPS had a big data breach about a year ago and offered teachers free credit monitoring through Experian. Of course I signed up. Every week since then I've gotten e-mails that tell me I will improve my credit score if I get another credit card. I don't want another credit card! I have 2, and that is all I need. I get lists of credit cards and am encouraged to open up another line of credit. At first I looked at the credit card offers. I asked myself, " Why not get more credit?" But it just seemed like a hard sale, so now I just hit delete.
Thanks for that, Susan - and yes, best to stay away from Experian’s “offerings” or “help” - you can freeze your credit for free (which protects you from ID theft, fraudulent applications for credit) - delete is the way to go!