How to Prevent Identity Theft Identity theft relies on a criminal getting access to your personal and financial information. Protecting this information as best as is possible is the first step.

How to Improve Your Credit After Bankruptcy Surviving a bankruptcy requires mental stamina. While you are going through the bankruptcy process, it may seem as though your credit future is utterly bleak.

Bankruptcy Personal bankruptcy as a debt management tool is a last resort. The results of declaring bankruptcy are long term and can have a profound impact on an individual's financial future.

The credit file segregation scam targets those who have filed bankruptcy. ‘File Segregation’ promises an individual the opportunity to hide unfavorable credit details and information by creating a new credit identity.

Spot credit repair scams Although there are many reputable credit repair companies in existence today, there are also many scams being perpetrated on unsuspecting consumers.

Here is the scenario: We are a married couple, two kids. Both work full time. Combined annual income is ~$154,000/yr. Credit is crap…creditkarma says we have a 600 credit score.