stories or had someone close to us that has had their identity
compromised and used fraudulently. There are steps that can be taken
to mitigate this threat and possibly remove the threat altogether.
Enacted over the last few years in a few states, and soon to be
available in all states, is the capability to freeze your credit
report from new activity. Credit card debt consolidation is a process
that offers an excellent chance for you to get rid of the huge piles
of credit card debts that you owe to various credit card companies. In
the last few years, credit card has emerged as a very convenient means
of transactions. It is also referred to as plastic money, as it
eliminated the need of carrying large bucks of cash while going for
shopping. All you need is just a card and you can do as much shopping,
as you want. First of all there are three main categories of credit a
person can have. Those are revolving (credit cards or unsecured
lines), installment (fixed debt repayment like a car loan), and
mortgage loans for real estate. Each of the three bureaus recognizes
these categories differently from one another, with distinct
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