5 Steps to Prep Your Credit for Holiday Shopping
News from Forbes:

Image by AFP/Getty Images via @daylife

Never mind store sales, coupon clipping and daily deals; savvier spending this holiday season starts with protecting your credit, and it starts right now.

With the recent controversy over debit card fees, more consumers may turn to payment alternatives like credit cards for the holiday shopping frenzy. However, relying on credit for major purchases may also make you vulnerable to overspending and credit health damage. Your New Year won’t be off to such a happy start when saddled with debt and a poor credit score.

If you plan to shop with…………… continues on Forbes
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5 Steps to Prep Your Credit for Holiday Shopping
News from Forbes:

Image by AFP/Getty Images via @daylife

Never mind store sales, coupon clipping and daily deals; savvier spending this holiday season starts with protecting your credit, and it starts right now.

With the recent controversy over debit card fees, more consumers may turn to payment alternatives like credit cards for the holiday shopping frenzy. However, relying on credit for major purchases may also make you vulnerable to overspending and credit health damage. Your New Year won’t be off to such a happy start when saddled with debt and a poor credit score.

If you plan to shop with…………… continues on Forbes
… Read the full article
.

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CONSUMER ED: Take steps to boost your credit score
News from Savannah Morning News:

Q: My mortgage company is not reporting my payments to the credit bureaus. I always pay on time, and I feel this information would boost my credit score. Are mortgage companies legally required to report this information to the credit bureaus?

A: Although mortgage companies usually report mortgage loans and ongoing payments to one of the major credit bureaus, they are not legally required to do so.

It is possible that your mortgage payment information is not being reported because of a clerical error. If you have not already done so, contact your mortgage lender, explain the situation and request that it furnish your payment information to a credit reporting agency. If your lender refuses to do so, there are some other things you can do to improve your credit score:

• Review the information on your credit report to make sure there are no errors or collection items that you are unaware of. You can access your credit report for fr…………… continues on Savannah Morning News
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