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SANJAY KAK - ArticlesFreelance consultant with interest in many subjects.
About Credit Risk - Types of Credit RiskEach lender will use their own credit model to evaluate credit risk for borrowers, however in America most of the business use credit reporting agencies for up to date credit history. It also makes sense business to depend upon credit reporting bureaus as they get consumer information from various sources About Credit Bureaus - How Credit Reporting Agencies get your InformationCredit bureaus came in picture to provide lending to customers and businesses and also provide a tool to creditors by which they can analyze trustworthiness of loan requester. Today in America there are three major credit bureau or credit reference agencies, namely “Trans Union “, “Equifax”, and “Experian”. About Credit Cards - Types of Credit CardsMajority of the cards you’ll probably notice offer lucrative schemes and rewards. There is an endless list of types of student credit cards, so it becomes very difficult to select the appropriate one for you. All these types of cards can be differentiated on the bases of interest rate; cash back amount, annual fee, bonus and rewards. So you have to pick up the one which is the most beneficial for you. Few types are discussed below: About Credit Reports - Get Free copy of Credit Report from Annual Credit ReportEach person who is using credit can obtain 3 credit reports from 3 different credit bureaus. The credit bureaus usually receive reports from different lending companies and creditors. These are the reports that the credit bureaus place in their databases. Some of them give info to one while some give info to all. Hence, the reports that you will get from them may vary. If you wish to know your credit score or standing, it will serve you best if your will approach all of these bureaus. About Credit Monitoring - Helps to Block Identity TheftThis article is dedicated to credit monitoring.The information on this page is about what is credit monitoring and why it is important to have eye on your credit score. Credit monitoring helps in identifying lapses committed by you such as late payments, missed payments, wrong information reported against your credit account and also to cross verify your existing credit information. About Credit Score - How to Improve Credit Score - Tips and ResourcesCredit score is a 3-digit number drawn after statistical formulas are applied on an individuals credit file. Company called Fair Isaac developed the formula and their formula was called as FICO. Developed in 1970 by Fair Isaac, the credit score over the years has become a decision tool for financial institutions and lenders to judge the trustworthiness of a loan applicant. The higher credit score a loan applicant has it gives comfort zone to lenders in offering loan to borrowers. The higher cred Score Monitoring - Monitor your Credit ScoreIf you are planning to get a loan, it is quite necessary for you to check on your credit score. It is very risky to be neglectful of your proper cash flow. You should avoid the piling up of debts. There are people who use their credit cards and other credit tools irresponsibly and that makes them end up in trouble. Report Monitoring - Keeping Track of Your CreditWhether you are a business owner planning to seek further credit or someone who is out looking for a new job, effective credit report monitoring is highly valuable. Nowadays, lending institutions and employers are more cautious when it comes to doing business with clients and potential employees respectively. Credit Card Monitoring – Is It Really Important?Identity theft is becoming a worldwide concern. So many credit card users have fallen as victims of this virtual crime. In the year 2003, there were about 9.9 million cases of identity theft that were recorded. On the following years, this number grew which brought a huge number of credit card users into a state of havoc. Credit Monitoring - 3 credit reports from 3 different credit bureausEach person who is using credit can obtain 3 credit reports from 3 different credit bureaus. The credit bureaus usually receive reports from different lending companies and creditors. These are the reports that the credit bureaus place in their databases. Some of them give info to one while some give info to all. Hence, the reports that you will get from them may vary. If you wish to know your credit score or standing, it will serve you best if your will approach all of these bureaus.
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