Someone Applied for Unemployment in My Name

Someone Applied for Unemployment in My Name

Unemployment benefit scams are on the rise. If you suspect suspicious activity, we recommend the following steps to be taken immediately: Report the fraud to your previous employer. Keep a record of who you spoke with and when. Report the fraud to your state...
How to Write a Dispute Letter

How to Write a Dispute Letter

The following instructions will walk you through how to write a dispute letter to rectify any errors on your credit report. Federal law gives you the right to submit a dispute and request an investigation when you discover an error in your credit report. Under the...
Improving Credit Scores with a Secured Credit Card

Improving Credit Scores with a Secured Credit Card

How A Secured Credit Card Helps Your Credit Report & Score Your credit score is the reflection of your credit worthiness and how you interact with financial institutions.  In other words, if you have no credit cards or have never applied for credit, you will have...
How to Unfreeze Your Credit Report

How to Unfreeze Your Credit Report

How to Unfreeze Your Credit Report   Unfreezing your credit report is required to be able to take out loans, lease a car, purchase or rent a property, or open a new credit card. To unfreeze your report, you will first need a pin from each of the bureaus, which...
Report Your Deceased Family Members

Report Your Deceased Family Members

Please follow the instructions below to report your deceased family members.  This will ensure that their social security number is flagged as deceased and no one will be able to use it. The executor of the estate may request the deceased person’s credit report...
How to Remove Fraudulent Items on your Credit Reports

How to Remove Fraudulent Items on your Credit Reports

Have you seen your credit report recently?  And if yes, how? Free apps such as credit Karma,  they provide pointers, but you really need to look deeper to see the report in its entirety. Go to our page: https://thecreditbureau.com/consumers-credit-reports/  where you...
I am 18 Years Old and Have No Credit

I am 18 Years Old and Have No Credit

One of the toughest times to get a credit card and begin your credit history is when you have no credit at all. The trouble is, you often need a credit card to start building a good credit history, but you also need good credit history to get approved for credit...
Young Adults, College Students and Credit Reports

Young Adults, College Students and Credit Reports

​1-The infamous T-Shirt The first week of college is an exciting time.  Students are away from home and they are exploring their independence. Imagine that when strolling the campus, there is a booth where people are giving away appealing T-Shirts. When you approach...
Credit Reports & Children

Credit Reports & Children

Should Children Have Credit Report? Children and young adults under 18 should not have a credit report and score.  There are a couple reasons they may have a credit report. To find out if your child has one, simply go to the link below and look at their report free of...
How to Unfreeze Your Credit Report

How to Monitor Your Credit Report

Using a good credit monitoring system can help prevent identity theft in its early stages, before any serious damage has been done to your finances. A credit monitoring service can notify you of any hard inquiries on your credit report, which can flag inquiries you...
How to View Your Credit Report For Free

How to View Your Credit Report For Free

The following link provides 3 free credit reports (Trans Union, Experian and Equifax) once a year with no score.  These sites are not hard inquiries on your report and will not impact your score. We suggest running one report every quarter.  That way can monitor your...
How to Freeze Your Credit Report

How to Freeze Your Credit Report

You need to call all the bureaus below and put your credit report on freeze.  It is all automated but if you pay attention you can do it.  The freeze is for one year. Equifax P.O. Box 740256 Atlanta, GA 30374-0256, 800-685-1111 Experian P.O. Box 9701 Allen, TX 75013 ,...

Press Release

For Release 2 PM 6/14/2019 www.thecreditbureau.com Chicago, IL, June, 14, 2019 Thecreditbureau.com Inc. today, announced the release of TCB Smart Pay for the real estate agents, property managers and landlords. Smart Pay is an online secure tenant rental application. ...
Credit Agencies Stop Reporting Unpaid Tickets

Credit Agencies Stop Reporting Unpaid Tickets

Local governments and counties will no longer be able to use credit reports as a tool to collect tickets and fines. Cities and counties normally refer traffic tickets and government fines to collection agencies, which in turn report the debt to credit reporting...
Identity Theft-Credit Freeze

Identity Theft-Credit Freeze

Credit Freeze or Security Freeze  Credit freeze is provided by 3 major credit reporting agencies to prevent credits, loans from being approved in your name without your signature. When you put a security freeze on your credit report, you will be provided a personal...
Identity Theft- First Step

Identity Theft- First Step

Identity theft first steps Place a free, one-year credit freeze by contacting the three credit bureaus.  Experian.com/help 888-EXPERIAN (888-397-3742) TransUnion.com/credit-help 888-909-8872 Equifax.com/personal/credit-report-services 800-685-1111 Sign up for IDIQ...
No Credit Score

No Credit Score

Credit Score is created by your credit accounts such as credit cards, bank loans, car loans or appliance purchases from stores. When you don’t have any credit or if you had them but they are old and never been used, then your credit score will not come up and a note...
Really Free Credit Report

Really Free Credit Report

Really Free Credit Report HOW IT WORKS www.annualcreditreport.com is a website jointly operated by the three major U.S. credit reporting agencies, Equifax, Experian and Trans Union. This site provides free credit reports from three credit reporting agencies once each...
Best Tenant Screening Practices

Best Tenant Screening Practices

Best Tenant Screening Practices Review the following best practices for safe renting and to ensure you have protected yourself and your asset from unwanted tenants. 1- Rental Application: Give your tenants the proper rental application. The applicant has to give you...
Establish Good Credit History Immediately

Establish Good Credit History Immediately

Establish Good Credit History Immediately If you have not yet built credit, begin now! Start small. Apply for credit with a local business, such as a department store or bank. They are more likely to have lower credit standards than larger lenders. Before you apply...
The Fair Credit Reporting Act Benefits Credit

The Fair Credit Reporting Act Benefits Credit

The Fair Credit Reporting Act Benefits Credit-Active Consumers The Fair Credit Reporting Act (FCRA) law went into effect in 1971 and was amended considerably in 1997 by Congress.  The original FCRA protected your rights as a credit-active consumer by limiting who has...