Credit Report Guy
Consumer Credit Counseling Services
The National Foundation for Credit Counseling is a network of over 850 accredited nonprofit consumer credit counseling services. They offer free and low-cost financial advise, budgeting and debt management services. Because their mission is to educate you in the use of credit. Helping you put together spending plans and help structure payoff plans with your creditors. Most Consumer Credit Counseling Services are local and have […]
How To Improve Credit Score
If your credit score number is lower than you would like it to be, we can show you how to improve credit score in just a few quick steps. Pay Down Your Debt Decreasing your “credit availability to credit use ratio” on all revolving charge cards to under 25% of your credit limit is the easiest way […]
What Is A Credit Score
What Is A Credit Score – Your credit score or FICO score, is evaluated from the various information that is in your credit file. Your FICO score is used by a lender to help them determine whether you might qualify for a particular credit card, loan, or service. Most credit scores estimate the risk a company incurs […]
How Do I Get A Free Annual Credit Report?
How Do I Get A Free Annual Credit Report – Thanks to the FACT Act, getting your free annual credit report is quick, easy and secure. You may get a copy of your free credit report at any or all of the following three credit bureaus: Equifax – 800-685-1111; www.equifax.com Experian – 888-397-3742; www.experian.com TransUnion […]
How To Fix Credit
Learning how to fix credit is really not that difficult. The goal here is to clean up any inaccurate information in your credit report file. And then improve your credit score number to above 750. Start today by getting your free credit report. Because you need to know just what is in your credit report file before you do […]
What Is A Credit Report
What is a Credit Report and how important is it to maintain a high credit score? Your credit report provides you with information that is in your credit file. It is maintained by the consumer reporting companies which could be given in a report about you to a lender. A credit report lists the full detail on all […]
Placing A Credit Security Freeze
Placing a Credit Security Freeze is a simple and inexpensive way for you to freeze and thaw your credit file. A credit freeze only allows the applications for credit and services that you authorize to be processed. This is best way possible to slow down identity theft. A credit freeze will lock out any new credit from being established until you use a PIN […]
Credit Repair Software
Is your credit rating down in the dumps? You may wish to consider credit repair software as a solution to repair your credit. There are four main ways to repair your credit, listed from worst to best: Worst: Credit Repair Services It’s tempting to simply pay a company to “do the work for you,” but all credit repair services (that […]
FreeCreditScore.com Review
FreeCreditScore.com Review – At FreeCreditScore.com, you can easily find out whenever your score changes with their instant credit score text alerts. Knowing this timely credit score information could help you qualify for better interest rates. And also lower monthly payments on new loans. FreeCreditScore.com also has a Credit Score Estimator to help you plan ahead to see how big financial decisions, […]
Free Credit Reports and Score
When looking for your Free Credit Reports and Score, it is important to know just what the differences are between the two. Free Credit Reports list the full detail on all your credit accounts. It tracks your past payments on all your loans and credit cards. Your credit report is different than your credit score. Credit score are a […]
Repairing Bad Credit
For many people, repairing bad credit seems to be low on their list of things to do. Most become a slave to their credit to some degree. It is too easy for just about anyone to get instant credit from almost every department store they go to. Getting a major credit card is easier now than it […]
FICO Score Credit Score
FICO Score Credit Score is given from each of the three credit bureaus, Equifax, Experian and TransUnion. This score could vary from one credit bureau to another due to the current information they have in your credit file. Your credit score is a mathematical model that evaluates many different types of information in a your credit file. All FICO Scores and the new […]
Dave Ramsey Baby Steps Explained
Dave Ramsey Baby Steps Explained – Now could be the right time to go on a Dave Ramsey credit counseling budget. He is one of the most popular personal finance gurus in the United States. Dave Ramsey is renowned for his no nonsense approach to personal finance. Especially when it comes to getting out of debt, staying out of debt, […]
Get Your Annual Free Credit Report
Get Your Annual Free Credit Report – So you might be asking yourself just what is the big deal about getting your free credit report anyway? You already have the cars you want so you won’t be in the market for a car loan any time soon. You probably have a house payment with a mortgage rate you can […]
Getting Out of Debt
Getting Out of Debt – Most experts agree that the best way to achieve your financial goals is to pay down your debt first. Getting out of debt can mean being debt free or just lowering your debt to a manageable level. This will free up important cash that will be needed for investing into savings, mutual funds, stocks, real estate, […]
Credit Scores Determine Insurance Rates
Did you know that credit scores determine insurance rates? Many studies have shown that a person’s credit rating effects whether they might actually file an insurance claim. Those with a lower credit score tend to file insurance claims more often than someone with an excellent credit score. The University of Texas did one such study based on 175,647 auto insurance […]
Credit Scores Explained
Credit scores explained – your credit score is a number based on the information in your credit report. It is similar to a grade you would have gotten in school, but instead of right and wrong answers your credit score is based on positive and negative credit history. Your credit or FICO score is used […]
How To Get Your Free Credit Report
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National Credit Report
Credit Monitoring is the quickest and easiest way to proactively monitor your national credit report for any bnew activity. For any account changes or credit fraud. And also to aid in preventing identity theft. If and when changes or inquiries are made into your credit file you will be sent text and email alerts within 24 hours. Each month in which […]
Identity Theft Protection
Identity Theft Protection – When I was a kid, I was taught to never touch other people’s property unless you ask first. Stealing from someone else was just not an option. If I wanted something that another person had, I would go out and work for it. I still live by this premise today. Society […]