FREE credit report reports, credit checks and credit monitoring information.
FREE Credit Reports & Credit Monitoring
are the First Steps towards Financial Success
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Credit reports & credit monitoring
are supplied by one of four credit reporting agencies,
Equifax, Experian,
TRW and
Trans Union (TUC). Your credit report will contain your personal or business
information and the complete history of your credit worthiness. You may want
to consider a
3 in 1 credit report as well to get the big picture on your credit standing.
Accuracy is important, therefore
regular
credit monitoring will help you avoid unnecessary credit repairs!
It is very important to review your personal credit report at least once per year to verify that the information is accurate. These credit bureau reports are supplied to lenders and financial institutions whenever you make application for a loan, mortgage or major purchase.
Your personal report contains your name, address, social security number, place of employment and financial history. You need to check the accuracy of this information because of the influence it has on your beacon score and how this affects your borrowing approval.
Your free credit report can be ordered from a variety of companies under some circumstances. If you decide to deal with a company offering credit reports there is a small service fee involved at times.
This website contains a wealth of information to assist you to evaluate credit services, obtain credit reports, conduct your own credit monitoring, prevent identity theft and repair your credit if necessary. The primary topics areas are on the menu to the left.
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RSS XML FEATURE ARTICLES:
Credit Counseling Centers of America
Credit Counseling Centers of America is a charitable, Non-Profit Organization, approved under IRS Code 501 (c)(3). They are eligible for both government and foundation grants, and can provide free or low cost help to consumers.
[Read more about Credit Counseling Centers of America]Fair Debt Collection Practices Act
The Fair Debt Collection Practices Act requires that debt collectors treat you fairly by prohibiting certain methods of debt collection. Of course, the law does not forgive any legitimate debt you owe. This page answers commonly asked questions about your rights under the Fair Debt Collection Practices Act.
[Read more about Fair Debt Collection Practices Act]Regulation Of Credit Repair Organizations
Verbatim Transcript of the Federal Trade Commission Regulations Governing Credit Repair Organizations.
[Read more about REGULATION OF CREDIT REPAIR ORGANIZATIONS]Boost Your Credit Score with Five Simple Steps
More than 30 million people in the USA have credit report 'bruises' severe enough to score under 620 and make obtaining credit at reasonable terms difficult. We present five simple steps to boost your credit score.
[Read more about Boosting Your Credit Score in Five Simple Steps]Bankruptcy Reform Bill Passes
The House gave final passage to a bankruptcy reform bill on April 14, 2005 intended to make it harder for consumers to wipe out debt through bankruptcy. The big winner under the new law will be credit card issuers, whose reckless and abusive lending practices have driven many Americans to the brink of bankruptcy.
[Read more about The Bankruptcy Reform Bill Passing]Secured vs. Unsecured Credit Cards
Either secured or unsecured cards can be used to pay for goods and services. but a secured card requires you to open and maintain a savings account or provide a deposit as security for your line of credit; an unsecured card does not.
[Read more about Secured vs. Unsecured Credit Cards]Real Estate Buying and Equity
Most people desire the ‘Pride of Ownership’ associated with real estate buying. It is a symbol of stability and family and for many a milestone event in their lives that marks a point of personal success and establishing equity via an appreciating asset.
[Read more about Real Estate Buying and Equity ]Mortgage Qualification and Financing
The word 'mortgage', as well as the process of qualifying for one, is often the biggest and most daunting financing hurdle most people will face in their lifetimes!
[Read more about Mortgage Qualification and Financing]Credit, Bankruptcy and Divorce
For those considering divorce it is wise to address certain financial issues prior to commencing divorce proceedings to minimize potential problems or damage. For both your sakes cooperating with each other on these measures will result in far less stress and expense once divorce filings are underway.
[Read more about Credit, Bankruptcy and Divorce]Beware of Some Credit Counseling Offers
Credit counseling offers are everywhere promising to help you out of debt, however some debt counselors do more harm than good.
[Read more about Beware of Some Credit Counseling Offers ]Glossary of Credit Monitoring Terms and Definitions
Why is credit monitoring so important? The obvious reason is to ensure you have a clean credit file, however there is another reason called identity theft. Almost 10 million Americans fell victim to this crime last year and preventing it requires ongoing vigilance.
[Read more about Glossary of Credit Monitoring Terms and Definitions]Glossary of Credit Report Terms and Definitions
The financial world has a language all of its own, and that includes the area of Credit Reports and Debt Management. The terms and definitions included in this glossary are provided to assist you to understand your credit report as well as other aspects of managing your credit and/or debt situation.
[Read more about Glossary of Credit Report Terms and Definitions]Canadian Credit Report Online
Canadian credit report: Review of free credit reports, consumer reports, on-line credit rating and report repair.
[Read more about Canadian credit report online]North American Standard Account Ratings
To properly read your report, you should make yourself familiar with the 'R' Ratings system to clearly understand the information contained in your personal credit information.
[Read more about North American Standard Account Ratings]Who Can do a Credit Check on Me?
Companies such as lenders, insurers, landlords and employers are permitted to access your personal credit report to verify information about you relative to the relationship with you.
[Read more about Who Can Check My Credit]Company Credit Reports
Company credit reports show the stability of a company. Business credit reports allow you to know who is behind the company.
[Read more about Company Credit Reports]Increase Your Credit Score
There are many myths about how to improve your credit score. Misinformation regarding the best ways to increase your credit score abound in financial circles. Incorrect information has been indiscriminately circulated by professionals in the financial industry and others in the business community.
[Read more about Increasing your credit score]Credit Card Debt Counseling
Credit card debt counseling is available from professionals offering a full service including credit rebuilding. Often, however the best counseling can be found within the individual facing this problem.
[Read more about Credit Card Debt Counseling]A Free Credit Report Online is Your Starting Point to Getting Credit
Free online credit report; Review of free online credit reports, agency issues and information on your personal and business credit report.
[Read more about a FREE Credit Report Online]PHISHING - Protecting Your Credit Information When Online
Phishing is a technique used to gain personal information for the purposes of Identity Theft using fraudulent email approaches.
[Read more about Phishing and Credit Security]Obtaining a Free Credit Report to Find Out How You Rate
To obtain a free credit report you must generally write to the credit bureau and request a copy of your credit history.
[Read more about Your Free Credit Report]Credit Repair Agencies... the Services and Resources You Can Expect
Credit repair agencies help repair bad credit by offering services and resources to enable you to get rid of negative marks from your credit report. When choosing a credit repair agency consider their knowledge of the Fair Credit Reporting Act and the Fair Debt Collections Practice Act.
[Read about choosing a Credit Repair Agency]
Credit Services:
Last Updated: 19-Mar-2006
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