What is the best way to order free credit reports?

Under the Fair Credit Reporting Act (FCRA) consumers are entitled to one free credit report annually from Equifax, Experian, and Trans Union.  The right to a free credit report gives consumers the ability to review and make sure that the information in their credit reports is accurate and complete. Reviewing your credit reports is important to … Continue reading What is the best way to order free credit reports?

SHOULD I BUY ID THEFT MONITORING?

Should you purchase identity theft monitoring?  I am often asked by consumers if they should purchase an identity theft monitoring membership after they have discovered unauthorized charges, credit report errors or received a data breach notification letter.  The answer is may surprise you.  Generally, it is not necessary to purchase an identity theft monitoring membership … Continue reading SHOULD I BUY ID THEFT MONITORING?

HOW LONG DOES A TAX LIEN STAY ON MY CREDIT REPORT?

The length of time that a tax lien may stay on your credit report depends on the payment status of the lien.  Paid (or satisfied) tax liens may not be reported more than 7 years after the date of payment.  15 U.S.C. 1681c(a)(3).  Tax liens that are un-paid may be reported for more than 7 … Continue reading HOW LONG DOES A TAX LIEN STAY ON MY CREDIT REPORT?