Four tips on how to avoid credit repair scams.

Lenders use your credit score to measure your ability to repay debts. The better your score is, the more likely you are to qualify for credit cards and loans at favorable interest rates.

Innovation: IBT has developed a strategic identity theft prevention plan with Red Flag Alerts in Real-Time

IBT, a leading innovator of best of breed solutions of cost effective enterprise-wide technology for financial institutions, now offers real-time red flag alerts to its fraud prevention initiatives product suite for Internet banking and mobile banking.

Will introduce new rules to control debt collection

The country's largest debt collection companies will face new oversight starting in January, the federal consumer watchdog agency said Wednesday -- a move designed to ensure that businesses play by the rules in their contacts with consumers.