identity theft

Identity theft occurs when a criminal steals someone’s personal information to impersonate them. Most identity thieves use that information for financial gain — for example, withdrawing money from your bank account or using your credit card to make purchases. Others have more elaborate schemes. Some even try to open insurance policies, buy homes, or get […]


In partnership with Experian and fintech company Finicity, FICO recently announced a new credit scoring model called the UltraFICO Score. This new score will give customers the choice to include data from their bank accounts as well. This marks the first time the credit scoring pioneer has included consumer-contributed data in its credit scoring calculations. This makes it possible for people who can’t […]

Woman researches whether you can remove student loans from your credit report

11.5% of students with loans default on them (Department of Education). Defaulting on student loan debt is never ideal, but sometimes it’s outside of your control. It’s certainly not rare. Approximately 11.5% of borrowers with student debt default on their loans. If you make a mistake or can’t make payments because of something outside of […]

How many credit reporting bureaus

When thinking about credit bureaus in the United States, most people think of the three major ones – Equifax, Experian, and TransUnion. However, there are many more credit reporting agencies out there. There’s actually a fourth national one called Innovis, as well as other smaller bureaus that help lenders determine eligibility for various loan products. […]

What is your Innovis credit report?

With so much in the news about identity theft and personal data being hacked, it can be scary to think of what could happen with our sensitive information. Since the huge data breach at one of the major reporting bureaus Equifax, many have recommended that consumers should freeze their credit reports to help protect themselves from […]

Uber data breach

Hackers accessed the information of 57 million Uber customers and drivers in 2016, according to a new report by Bloomberg. Leaked information included names, email addresses, and phone numbers, as well as drivers license numbers for hundreds of thousands of drivers. Instead of contacting the affected parties and reporting the incident to regulators, however, the […]

fixed your credit score

We’ve all made mistakes, and that includes mistakes with credit. But while some elements of fixing your credit score require time and patience, there are other things you can do that can make a difference more quickly. How to increase your credit score in 30 days There’s no way to boost your credit score overnight. But […]

Identity Theft

As cyber thieves become savvier, identity theft continues to rise. According to the 2017 Identity Fraud Study conducted by Javelin Strategy & Research, 2016 was the worst year ever for identity theft. $16 billion amount stolen by cyber thieves from 15.4 million U.S. consumers in 2016 Their study found that cyber thieves stole $16 billion […]


Equifax announced in 2017 that criminals gained “unauthorized access” to the personal data of 143 million U.S. consumers and an undisclosed number of UK and Canadian residents. 143 million Number of U.S. consumers affected by the security breach Update: FTC settlement The Federal Trade Commission announced a settlement with Equifax that includes $425 million for […]