by Stephanie I’m 21 years old, and never had a credit card or a loan of any kind. I pulled my credit report for the first time, and was amazed to find out that there are multiple credit card defaults …

How to fix bad credit that’s not my fault? Read more »

by Betty I got a letter from a collection agency about a debt I presumably have from a defaulted loan. I know nothing about such debt, which is originated by a bank I don’t have an account with. I contacted …

Is this a case of identity theft or fraud? Read more »