Introduction: a note from John
Credit reporting agencies : it's not only the big three
Credit reports : what's in yours?
Negative items & credit reporting errors
Credit reports : they're not just for lenders
Myth busting, credit report-style
Credit scores : three is the magic number
FICO score distribution : a "flattening of the curve"
Credit score confusion : what are you buying?
Credit score myths, setting the record straight
Improving your FICO scores by understanding the scoring model
Delinquencies & the seven deadly fico sins
Access to free credit scores
Credit card offers : behind the scenes
Credit card behaviors & your credit scores
Credit cards, charge cards & rewards cards
Damage control, credit repair & debt settlement services
Credit repair & debt settlement
Mortgage loan modification, short sales, and time-barred debts
Insurance, massive data breaches & identity theft
Insurance & credit reports
Data breaches & identity theft
Credit laws & proposed legislation
FACTA's free annual credit reports
Shoe box credit under the Equal Credit Opportunity Act
The Card Act : the good, bad, and ugly
Fair debt collection practices
Fair access to credit scores act
Medical debt responsibility act of 2011
Planning ahead and the future of credit
Your next application & the future of consumer credit
