Jan. 18—Question: My wife and I have "freezes" on our individual credit reports from the three major credit reporting agencies. That should be significant preventive measures against the Navvis breach ...

Dear Action Line: I've read your columns on free credit reports and FICO scores. Does it matter that I have been married for 30 years and have shared loans and payment responsibility with my husband?

With identity theft and fraud on the rise, it's essential to monitor your credit report for signs of fraud. If you've been scammed, you'll need to contact your local police, the FTC, all three credit ...

Getting married does not impact your individual credit score or merge your credit history with your spouse's. However, joint credit cards or loans opened during marriage can affect both spouses’ ...

After the shock of losing her job, Lisa Hill-Green of Richmond, Va., struggled to pay her bills. In an effort to bring down her costs, she went to her mortgage lender for a loan modification. But then ...

In a significant move toward enhancing consumer financial health, AnnualCreditReport.com, the centralized platform for free credit reports, has expanded its services to allow individuals to access ...

Credit reports detail your financial history and impact loan terms like interest rates. You can improve your credit by paying on time and managing credit account balances. Regularly review your free ...

LaToya Irby is a credit expert who has been covering credit and debt management for nearly 20 years. She's been quoted widely in national publications, and her work has been cited in several books.