CGunst notes the FTC’s approach to free credit reports:

FTC takes on “free” credit report ads with their own ads http://bit.ly/2pxjt2“Don’t be misled…they’ll sell you something else instead.”

The New York Times article notes consumer confusion over what free credit reports are and how they work.

The main thrust of the FTC and article is that consumers don’t need advanced credit monitoring. Obviously, that stands in the realm of opinion. However, it is important to note that credit report services …

Using A Individual Taxpayer Identification Number

Some consumers, especially those who are not United States citizens, may be aware of the Individual Taxpayer Identification Number, or ITIN. ITIN is a useful tool for both taxes and credit.

What Is An ITIN?

You probably only need to be aware of ITINs if you do not have a Social Security number. The IRS provides its full guide to ITINs here. In effect, it is a substitute for the identification uses of Social Security numbers.

ITIN And Your Credit

Some creditors and credit report services use ITINs …