Search the Internet for "free credit report" and you find find tons of sites and advertisements promising free access to your credit report and FICO credit score. It's overwhelming unless you know how to sort out the really free reports from the sales pitches. Start here...
Latest Credit Articles
How To Get A Free Credit Report With No Strings Attached!
Posted on August 8, 2009 by Jim DeSantisHow can i fix my credit
Posted on August 8, 2009 by Chloe SmithJanet just ordered her free annual credit report and was excited about what she saw on her report. She decided to order her FICO score, and low and behold, her score increased over eighty points from the last credit report she ordered over a year ago. She had worked hard to pay off her credit cards throughout the year and was pleased at the positive results on her credit report.
Credit Fix: Fix Your Credit Report - Fix Your Score!
Posted on August 8, 2009 by Jim DeSantisDon't be a victim of credit report errors! You need to go right to the source - all three credit reports. Yes, all three reports! You must get reports from all three major credit bureaus. They are Experian, TransUnion, and Equifax. Do not get the free versions. Pay for them and get your FICO credit score at the same time. Here is why...
How tenants can protect themselves against card fraud
Posted on August 7, 2009 by Reno CharltonIndustry officials have recently pointed out that whilst credit card fraud can be rife against many different groups of people one of the groups at particularly high risk of this sort of crime is tenants, many of whom share their homes with other people that they may not really know that well. Therefore tenants are always advised to take extra precautions to protect themselves against this sort of fraud.
Just how Important is a persons Credit Score?
Posted on August 6, 2009 by Jane CaouetteWhat Your Credit Score Does Discovering what your credit report is and how good it compares to other peoples scores will determine whether or not you can access required credit when you apply for it and what interest rate you must get charged even if you can get it. The main use of this score is to figure out if you are an acceptable financial risk to loan money to. High quality risk profiles will shell out a ton less in interest charges because of the fact the bank t...
0 balance transfer credit cards
Posted on August 5, 2009 by Roj0 balance transfer credit cards allow you to consolidate and transfer your debts under older cards to new card. Often companies offer very less or nil percentage of interest for the transferred amount. However, this is only for an initial period. After the introductory period, the usual rate of interest is payable. For the balance transfer, application is to be submitted to the new card company. The credit limit of the new card will be reduced to the extent of the transferred debt.
Gift Credit Cards UK
Posted on August 5, 2009 by RojGift credit cards are an easy means to gift money to your employees, children, customers and anyone to whom you want to make some payment. They are more convenient than the gift vouchers which can be used only at select points. Preloaded gift cards can be reloaded and can be used for any long time. There are also gift credit cards which can be used only once. Gift credit cards are one of the most secure means of giving money to children for their school expenses.
Avoiding Late Credit Card Fees Can Be Easy
Posted on August 5, 2009 by Samantha WilsonDo you hate the additional fees on your credit card? Find out some way on how to avoid late fees and interest on your credit cards. This article is also about understanding the hidden fees on your credit cards.
Credit Card Processing
Posted on October 17, 2009 by BankcardIt's the time to upgrade your payment option and have credit card services installed for your business. If you already have credit card service it's the time to replace it with the industry lowest merchant account services.
A Thief Can Lower Your Credit Score! 5 Ways to Catch Them!
Posted on August 2, 2009 by Jim DeSantisYou applied for credit and you have a lower FICO credit score than you think you should have. Your lower FICO score could simply be caused by a credit bureau clerical error or due to an oversight you have made in the past. At the same time, it could be identity theft affecting your FICO credit rating. How can you find out?
Popular Credit Articles
Are Online Credit Card Applications Too Easy?
Posted on February 2, 2009 by Michael D. StraussThe days when the only way to get a credit card was to visit your bank in person are gone forever. Nowadays, it's even quite old fashioned to apply for a card by mail - it's much easier and quicker to apply online, and in many cases you'll even get an instant decision on whether your application is accepted or not. While this is obviously a great convenience, there is a downside to online credit card applications: they can actually be too easy, and can harm your credit rating.
Raise Credit Score - How To Raise Your Credit Score
Posted on October 14, 2007 by Frederic HaislipA good credit score is fairly important when you wish to contract a loan with a lower rate of interest. This statement is true for all kinds of loans, whether they are mortgages, car loans or credit cards. Also, the terms for repaying your loan are far less rigid if you have a credit score above 620. Many people, around 30 millions all over the United States, have credit scores below 620. If you are one of them, you may be interested in the following tips on how to raise your credit score.
Road Trip with Discover Open Road Card for Students
Posted on April 1, 2006 by Mindy MatterLooking for the perfect student credit card? Consider hitting the road, the open road that is with the Discover Open Road card designed for students like you. Students have unique credit card needs, and Discover meets those needs with lots of great options.
Money Management during Tough Economic Times
Posted on June 5, 2009 by Andrew AlexanderIn these challenging economic times, it is even more important to develop a strong financial foundation that can help you be debt free and save money for future expenses. Without a good credit rating and structured budget you will only continue to fall deeper into debt. Another concern for those struggling with budget management and making monthly mortgage payments includes foreclosure avoidance.
Top Causes of Credit Default
Posted on September 28, 2008 by Colin KiddMany people only realise they have a Credit Default when they are declined for some form of credit. There has been a credit default listed on their Credit Report and it has resulted in the decline.
What are Charge Offs and How Can They Be Fixed?
Posted on October 13, 2008 by Chane SteinerCreditors use the term charge off to write off debt. After a period of time where no payment has been made on an account, (usually 180 days), creditors write it off as a loss and send the account to a collection agency.
How to Raise your Credit Scores Effectively and Permanently
Posted on October 23, 2008 by Chane SteinerThe single best way to raise your credit score is to manage it responsibly while recognizing it takes time. The most obvious way is to pay your bills each month and on time. It's important to live below your means so that you have enough money each month to meet your financial obligations. None of the following techniques I'm about to share with you will work long-term if you cannot manage and maintain your spending habits.
Home Equity Loans Versus Home Equity Lines Of Credit
Posted on November 2, 2008 by Devora WittsThere is a difference between these two ways of obtaining credit. As great as the differences are, the uses are also radically opposite. The only thing in common is the equity that your home represents as collateral to the credit you get and the way you spend it. If you own a home, a line of credit might be just what you are looking for.
Avoid the High Interest of Store Cards
Posted on November 3, 2008 by Alisdair CosgroveIt is very easy to obtain a store card at just about every location when that store does offer a credit card to consumers. The offers may be made by the cashier and offer discounts on your purchases in addition to the convenience of shopping with a credit card at that store.
To Much Credit Card Debt To Handle?
Posted on November 11, 2008 by Steve WilsonDuring these tough economic times, many families have run into credit problems by taking on too much credit card debt. Usually this is something that does not happen overnight. Rather it is a long process as result of purchasing small things on your credit card until your credit card balances become too much to handle.This can leave you feeling overwhelmed and unsure of what to do.
