Repairing Your Credit Is Possible
Know your rights and be eligible for any type of loan ... from them in a polite way. That’s all there is to it. Get Your Credit Report You have the right to ask for one report per year, free. And even though the bureau may charge you a fee, it is never [more...]
Date: 2008-12-11 17:59:54
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How You Can Stop Identity Theft
The FTC recently released a list of top consumer fraud complaints received in 2007 and not surprisingly, identity theft topped the list for the eighth year in a row at 32% of the overall complaints. Consumers reported over $1.2 billion in losses last year, even though there are many ways to fight identity theft . While we can’t be expected to live an exceedingly paranoid existence, we can be smart by monitoring our free Experian credit report. [more...]
Date: 2009-06-18 19:02:05
Setting Long-Term Goals and Getting There after College
by Landon McGehee I had a relative graduate from college recently, ... that there aren’t any mistakes on it. You can get one free copy of your report once a year by visiting ... . 1. Know your credit score. You will have a credit report once you borrow money from a lender [more...]
Date: 2008-11-05 19:53:11
Catching Up
So. I should really go over what I have accomplished last year (and this year, to date) in my quest to become debt-free. I managed to totally clear up my credit card debt, and, to my surprise, when I sent for my free annual credit reports, and ordered my FICO scores, I found that it had improved, over the time [more...]
Date: 2009-01-16 05:41:49
10 New Year Switch & Save Recommendations
With a severe recession looming, 2009 is predicted to be a tough year for most, ... with a free credit report and 30 day trial of CreditExpert and see what lenders see. Checking your Experian credit report can save you money when applying for a loan, mortgage or credit card. Get £2.50 [more...]
Date: 2009-01-09 17:14:27
Consumer Advice to Ring in the New Year
December 23, 2008 FTC News Release: Nine Consumer Tips to Make the Most of 2009 As 2008 draws to a close, ... include: Get a free copy of your credit report. Visit www.annualcreditreport.com or call 877-322-8228 to request a free credit report, once every 12 months from each of the nationwide consumer credit [more...]
Date: 2008-12-23 18:24:31
Nothing is Free When It Comes to Protecting Your Identity
by Jed Jenson According to the FTC, an estimated 9 million Americans are affected each year by identity theft ... in Fraud Alerts on your credit report. 2. Do Not Call or Mail Lists - Another way to protect your identity ... lists, and accessing free credit reports, many individuals do not realize that they must [more...]
Date: 2008-06-19 18:15:14
Tips on Declaring Bankruptcy
If you know you’re going to declare bankruptcy, there’s probably not much I can say to make you change your mind but there are a few things I can ... to have a ding on your credit report for years to come. What does this mean? Kiss the good interest rates goodbye and kiss the annual-fee free credit cards away as well. You’re most likely going [more...]
Date: 2008-11-29 20:11:42
More Than a Cereal: What You Should Know About ChexSystems
If you’re concerned with your credit score and general financial healthy, you’ve probably heard of Experian, Equifax, and TransUnion ... as the three credit bureaus, you can order your Chex report once a year and if you’ve been denied a bank account because of it in the last 60 days. (You can get free copies of your credit report [more...]
Date: 2008-10-29 14:30:09
Buying A House? Check Your Credit History Now
A lot of my friends are thinking about buying, or have already bought, a home this summer ... each year, which means there’s a uncomfortable chance your credit report will have something wrong ... your claim. Check your credit history for free at the government mandated AnnualCreditReport website [more...]
Date: 2008-06-06 17:53:23
Win A Sony Vaio
Fancy winning a Sony Vaio Laptop & a one year subscription to McAfee Internet Security? ... your credit report for free while your there, bargain. Click here for details ... . All you have to do is log in to credit expert before the 13th February to be in the prize draw [more...]
Date: 2009-01-16 01:22:21
Avoiding ID Theft and Credit Fraud
Avoiding ID Theft and Credit Fraud Article excerpted from the new book, "How to Do Space Age Work with a Stone Age Brain" TM copyright 2004, ... these credit bureaus remove your name from their lists: TRW (800) 353-0809, Equifax (800) 219-1251 and TransUnion (800) 241-2858. Once a year carefully check out your free credit report from Experian [more...]
Date: 2008-12-01 09:00:08
35 Million Data Records Exposed in 2008 to Identity Theft
Last year over 35,000,000 personal data records were exposed via656 separate security breaches representing a 47% increase from2007 ... by following these simple steps:1) Get a copy of your free credit report to check for any fraudulentcredit ... 400 data sources containing your name that arenot covered by your credit report.* Criminal identity [more...]
Date: 2009-01-04 21:04:00
NH’s Attorney General’s Resolutions
NEW HAMPSHIRE’S ATTORNEY GENERAL HAS SOME NEW YEAR’S RESOLUTIONS FOR CONSUMERS TO CONSIDER ... IS TO PROTECT PERSONAL INFORMATION, FROM CREDIT CARDS TO DRIVER’S LICENSES. HER OFFICE IS PROVIDING TIPS ON GETTING A FREE COPY OF YOUR CREDIT REPORT, STAYING SAFE ONLINE, FOILING PHONE FRAUDSTERS - AND EVEN [more...]
Date: 2009-01-02 15:43:47
2008 Top Financial Web Sites
Kiplinger recently released their top picks for 2008 best investing and financial services web sites ... will cost you $159 per year for a premium membership. Credit reports: AnnualCreditReport.com. Forget copycat sites. This is the official Web site where you can get a free report from each of the three [more...]
Date: 2008-12-03 01:50:29
2008 Top Financial Web Sites
Kiplinger recently released their top picks for 2008 best investing and financial services web sites ... will cost you $159 per year for a premium membership. Credit reports: AnnualCreditReport.com. Forget copycat sites. This is the official Web site where you can get a free report from each of the three [more...]
Date: 2008-12-03 01:50:29
Buying A Home After Filing Bankruptcy
Buying a house after filing bankruptcy is a real possibility after a year ... be good enough to qualify for a conventional loan. It is also a good idea to check your credit report before applying for a mortgage. You can get an annual free report from any of the three reporting [more...]
Date: 2008-11-23 21:15:25
New Year Resolution #1: Financial Fitness in 2009
Worried about the economy? Been hoarding all your pennies lately? You’re not alone ... t it? Free credit report comparing all your debts, rainy day funds, budget tool…yes, we need ... ? If you have credit card debt, ask yourself why. That list on your credit card statement….was each [more...]
Date: 2009-01-07 22:51:21
My financial resolutions for 2009, #5 in a series
Editor’s note: We asked our resident money experts to share their financial resolutions for the year ahead. Here, the fifth in our series: I’ve resolved to obtain and examine a free copy of my credit report as often as I can. Federal law gives everyone the right to a copy of their report from each [more...]
Date: 2009-01-09 01:10:49
Resolutions 2009
I'd like to hear about any resolutions for this year that are on your mind.I admit: nothing specific comes to mind for me.. ... : Protect your identity. Download your free annual credit report (US only). Build your network before [more...]
Date: 2009-01-01 13:21:41
Second, and Possibly Third, Stimulus on the Way as Unemployment Poses Next Major Hurdle for the Economy
With gross domestic product plummeting and the jobless rate at a 14-year high, U.S ... have been reluctant to admit that this cycle, unlike 1998’s credit crisis, is imbedded in the real economy ... send you an important new report for free: “The Three Best Investments in Asia.” [more...]
Date: 2008-11-12 15:23:47
More Unemployed Workers, Fewer Jobs
More Unemployed Workers, Fewer Jobs by Tula Connell, Jan 14, 2009 Photo credit: catinatree The U.S. retail sector has been the most immune to the nation’s year-long jobs free fall, but that has changed in recent months and likely will get much worse. Today’s Commerce Department report on retail [more...]
Date: 2009-01-14 21:06:36
The New Year Creates Fresh Opportunity for Resolving to Reduce Debt
Free Rapid Debt Reducer software and online advice at RapidDebtReducer.com provide big motivation for making a commitment today GROTON, Vt., Jan ... report and score, and put that information to use ... Jolley to the millions of Americans who are struggling with overdue credit card payments, defaults [more...]
Date: 2009-01-16 10:50:23
As I wrote last year, regular checks of your credit report are an important as aspect of fiscal management and under the Fair and Accurate Credit ... , and TransUnion to provide consumers with one free credit report per year. The official website through which ... AnnualCreditReport.com. Thus Americans abroad remain unable to exercise their legal right to [more...]
Date: 2008-12-31 17:23:16
Weekend Roundup Vol. 12
Weekend Roundup: Well another week comes to a close. Time goes by so quickly it makes me want to work less and less and enjoy life more and more ... to a FREE credit report from each of the three major credit reporting agencies: Experian ... . ***You can get your free annual (once per calander year) credit report, viewable on-line, no credit [more...]
Date: 2008-10-11 11:00:00
2009 looms ahead
Do you still make resolutions? Well here are a few that you might want to think about as 2009 draws closer and a few key dates to make a ... has made it possible for individuals to obtain one free annual credit report from each of the three major ... your rebate check. Review your credit: you are entitled to a free credit report once a year [more...]
Date: 2008-12-26 17:00:32
Basic tips for improving your credit score
1094832_credit_crunch.jpg Around the holidays, many folks turn to credit for at least some of their holiday shopping ... use Equifax, but have pals who do like MyFICO. You can also get one free credit report a year from Annual Credit Report, but it won’t be so in depth as a paid site. Do you have any handy credit score [more...]
Date: 2008-11-19 20:36:47
Get Out of FreeCreditReport.com’s “Triple Advantage”
FreeCreditReport.com is the heavily advertised company that offers “free” credit reports ( ... reminder to check your bank and credit card statements at least once a month so charges like this don ... in mind that the place to get truly free credit reports, three times per year (once from each bureau [more...]
Date: 2008-07-25 18:29:44
The Importance of Repairing Your Credit Report - Yourself!
It seems to be common knowledge today that we are living in a society overwhelmed with debt ... to receive a free credit report every year. Americans need to become more aware of what is reported ... firms, which will charge you numerous fees to clean your credit report for you. Typical tactics [more...]
Date: 2009-01-15 01:44:04
Fundamentals to Repairing Credit
Fundamentals to Repairing Credit by Rob Kosberg If you have learned that you are referred to in the financial world as a “credit risk” you will ... on your “credit report” and “credit score.” Therefore, you need to know what those ... bureaus: Experian, TransUnion, and Equifax. One can get a free credit report from each every year [more...]
Date: 2009-01-09 00:28:48
Tips About Credit Repair
By Mike Carbeck Many people mistakenly believe that they only need to go through an agency, for any hope of credit repair ... in writing for a copy of your credit report (You are entitled to one free report per year) 2.) A copy ... from another agency, and are not eligible for a free yearly report, you could also receive a letter [more...]
Date: 2009-01-09 08:16:32
Have your Free Credit Report
My Uncle Jess has been in the states for almost 10 years now. And staying there was for him blissful with some mixture of bitterness. Why? ... many years of realization he finally settled some amount and requested to dispute credit reports ... his financial status again. If I’m not mistakenly, he recently undergone a free credit report [more...]
Date: 2008-10-16 04:42:00
Countrywide Sends Fraud Alert Letters: 'Your Info May Have Been Sold' [Countrywide]
A Countrywide customer emailed to tell us he received a unpleasant surprise in the mail today: ... on to say they will give you 2 years of Triple Advantage credit report monitoring for free ... understand why temporary free credit monitoring is always the go-to remedy every time a company [more...]
Date: 2008-09-09 22:57:49
Time For the Experian Credit Check
You get a free credit report once a year from http://www.annualcreditreport.com ... . I just ran my Experian Credit Check and they had 3 minor errors. So I’m off to dispute them now. My credit report will still be horrible after the two fixes but it’s just nice to limit the damage as much [more...]
Date: 2009-01-03 01:47:49
Credit Reports can be a Teaching Tool
by Rob Kosberg If you have recently been denied credit or plan to apply for credit soon, it would be wise to obtain your credit report ... . These are: TransUnion, Equifax, and Experian. It is possible to receive a free copy of the report from each ... for 2 years. There is no problem if your credit report is positive. However, any true negative [more...]
Date: 2009-01-15 21:32:08
How To Get Your Free Government Credit Report
Under the Fair Credit Reporting Act, you are entitled to ask for, and receive, a free copy of your government credit report once a year. The FCRA serves to promote accurate information, held in privacy, by consumer reporting companies [more...]
Date: 2009-09-24 11:08:43
10 Ways To Protect Your Financial Identity Being Used For Someone Else’s Shopping Spree
Someone impersonating you could be spending your hard-earned money. Impossible! Not really, check, loan, and identity fraud are a real problem ... card accounts, and make sure to keep a copy of your credit cards and the toll free contact numbers ... your credit report once a year from each of the three credit bureaus to make sure [more...]
Date: 2009-01-05 08:56:49
How To Read Your Credit Report
The Fair and Accurate Credit Transactions Act, signed into law on Dec ... then credit and read it for yourself. Hopefully you'll stay awake . While all credit reports follow ... . 4, 2003, gives every American the right to a free credit report every year from each of the three [more...]
Date: 2008-11-09 13:46:50
How To Read Your Credit Report
The Fair and Accurate Credit Transactions Act, signed into law on Dec ... then credit and read it for yourself. Hopefully you'll stay awake . While all credit reports follow ... . 4, 2003, gives every American the right to a free credit report every year from each of the three [more...]
Date: 2008-11-14 08:03:09
Protect Yourself from Identity Theft
Several steps can protect against identity theft There is no real way to prevent someone from stealing your identity or swiping financial and ... sites - check them daily Order a free credit report once a year from annualcreditreport.com Debit cards ... personal information, unless you have no bank accounts, credit cards or Social Security number [more...]
Date: 2009-01-08 20:07:11
Top 10 Online Freebies and Deals [Lifehacker Top 10]
Unless you're a financial Jedi Knight or economic Sith Lord, you probably don't have a ton of control over our turbulent economy ... free credit report. If you're looking for the federally-mandated, completely free, no-service-cancellation-needed online credit report you're entitled to once per year, head to AnnualCreditReport.com. [more...]
Date: 2008-11-01 16:00:00
Keys to improving your credit score
Credit I don't mean to brag, but my wife and I have a credit score that's better than almost 97 percent of the population. OK, I do mean to brag ... a free credit report once a year from each of the three consumer reporting companies (Equifax ... this for a while. We've always had a pretty good credit score, but it's higher than ever right [more...]
Date: 2008-12-01 04:49:30
Timeline for Negative Credit History
by William Blake Commercials that advertise ways to obtain a free credit report often emphasize the importance of doing so because of the serious ... even get a good job. Fortunately, a negative credit report is not permanent and thus can be made better. After seven years, the majority of the undesirable contents of a negative credit report [more...]
Date: 2008-12-20 08:42:43
Negative Credit History Timeline
by William Blake Commercials that advertise ways to obtain a free credit report often emphasize the importance of doing so because of the serious ... even get a good job. Fortunately, a negative credit report is not permanent and thus can be made better. After seven years, the majority of the undesirable contents of a negative credit report [more...]
Date: 2008-12-29 13:50:17
Why Protecting Your Identity is Not Necessarily Free
by Jed Jenson According to the FTC, an estimated 9 million Americans are affected each year by identity theft ... Alerts for you every 90 days. A fraud alert is a “flag” placed on your credit report that notifies ... lists, and accessing free credit reports, many individuals do not realize that they must [more...]
Date: 2008-06-19 18:55:50
Free Isn’t “Free” When It Comes to Protecting Your Identity
by Jed Jenson According to the FTC, an estimated 9 million Americans are affected each year by identity theft ... Alerts for you every 90 days. A fraud alert is a “flag” placed on your credit report that notifies ... lists, and accessing free credit reports, many individuals do not realize that they must [more...]
Date: 2008-06-19 18:31:05
Free- One year of Triple Advantage Credit Monitoring, Experian Scores and Credit Reports from MSN Money
Edit: 11/26/08-I’ve received an email that someone just tried to sign up, and apparently they have reached the 10, ... with Experian and the National Foundation for Credit Counseling (NFCC) are “working to raise awareness about the importance of credit monitoring” by giving away 10,000 free one-year memberships to Experian’ [more...]
Date: 2008-11-26 04:39:56
Looking Back: Resolutions in Perspective
Yes, I know it's so expected to make New Year's Resolutions. But I am a planner by nature. I am always looking ahead and preparing for the future ... my credit report, and those of my other family members. Everyone is allowed one free credit report check annually. I just want to make sure ours are accurate. Not only did I check my credit report [more...]
Date: 2008-12-31 15:08:00
Don’t forget your free credit reports this year!
Copyright © 2006-2008 Clever Dude. All Rights Reserved ... you checked: On April 30, get your credit report from only one of the bureaus (Experian, Equifax ... , but it means one thing about your credit report: Go to AnnualCreditReport.com to get your 3 free credit [more...]
Date: 2008-12-18 15:21:43
FreeCreditReport.com scam
I was looking over my checking account transactions for the past year and saw a mysterious $12 ... credit report program. Under a new Federal law, you have the right to receive a free copy of your credit report once every 12 months from each of the three nationwide consumer reporting companies [more...]
Date: 2009-01-01 02:16:00
