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Terminate Individual Debt And Maintain Your Fico Scores With Debt Settlement Guidelines

Terminate Personal Debt And Maintain Your Credit Scores With Debt Relief Recommendations

 

If a credit card debt settlement business informs you that you are able to remove your unprotected credit card debt without impinging on the credit they truly are becoming unethical & most most likely not worth doing business with. The fact is that when you expel your unsecured bank card financial obligation by way of a debt settlement it’s going to adversely impact your credit scores rating however almost since bad as individual bankruptcy. Consumers nonetheless can have a major effect on how far your credit rating will likely be reduced. In case the follow the guidelines in this specific article it’s feasible to eliminate to 70percent regarding the credit card debt while having it only minimally affect your credit.

 

When you hire a debt negotiation company, chances are that you will not have sufficient money to pay a settlement in a single lump sum. For people who can not afford to spend in advance for the credit card debt relief, they could spend into an escrow account until it is saved up an adequate amount of the total amount to fulfill the negotiation amount. During the time that you’re having to pay into this escrow account, the debt enthusiasts will however anticipate you to spend the payment. Many credit card debt negotiation businesses will tell you to simply ignore your instalments. This however will trigger your credit history to-fall reduced consequently if you should be able to manage to spend the minimum payment it could be better to do so.

 

After you’ve accumulated an adequate amount of the balance in your escrow account using financial obligation organization your settlement will probably be payed off and your account is going to be closed. Make certain that your financial troubles relief organization provides you with an affidavit making clear that the balance has-been satisfied though a debt settlement process. Should you not try this you’re operating the danger that the collector will pass the remainder stability to another collection agency. Most credit card debt settlement businesses do this immediately nonetheless it’s vital to make certain that they are doing this or you could certainly be away from fortune.

 

In case you want to get rid of debt and hire a charge card debt negotiation business for credit debt conversations on your behalf I quickly have actually an important bit of guidance. Never go straight to a certain credit card debt relief business but instead very first visit a debt relief system which is associated with numerous genuine personal credit card debt organizations. To become within the debt settlement community, the credit card debt settlement organizations should show a track record of effortlessly negotiating and eradicating personal debt. They ought to in addition pass an ethical requirements test. Using a debt relief system will make sure that the personal credit card debt business you’re given is really a geniune and revered company. Here is the most helpful method to find the greatest credit card debt businesses and increasing your odds of getting rid of your debt.

 

To discover a real debt negotiation company in the form of a free of charge credit card debt relief system check out these link

Free Debt Information 

Contact Us:8883613619

 

Associated 3 Credit Ratings Posts

I have a high Transunion credit score. Does this mean that my other two scores will likely be good as well?

Question by Kim: I have a high Transunion credit score. Does this mean that my other two scores will likely be good as well?
I have a high Transunion credit score. Does this mean that my other two scores (Experian and Equifax)will likely be good as well?I am applying for a home loan real soon, and just want to make sure that my finances are in order before I do.

Best answer:

Answer by CatDad
These are all 3 freestanding companies with different scoring models.The underlying info in your credit reporting about your credit history is the key factor. If you have a very good history of using attributing wisely and paying on time, then all credit scores should be high. The FICO score is the most important score.

Know better? Leave your own answer in the comments!

Why do all three credit scores differ from Transunion to Experian?

Question by Robert: Why do all three credit scores differ from Transunion to Experian?
So, I went on to Transunion and pulled all three credit (Transunion, Experian and Equifax) and the did the same at Experian. On Experian the scores are 100 points lower. For example my Experian score on TU is 707 but on EX its 569. Shouldn’t their scores be the same no matter where you pull them from? Who do you believe?

Best answer:

Answer by rick29148
You have to remember that the three are businesses & that they make their $ $ $ selling those numbers to their clients. So, they get the info from the businesses that buy their services. Most companies will subscribe to one of the credit reporting bureaus, but not all three – Just to much $ $ $ . So your score will vary between the three depending on where the guys you owe $ $ $ to report you to.

Give your answer to this question below!

Q&A: Why do the Equifax and Experian show different credit scores?

Question by TJB: Why do the Equifax and Experian show different credit scores?
For example on the Equifax website it says: Experian-750, Transunion-710, Experian-761. On the Experian website says: Experian-690, Transunion-683, Experian-701This is a huge difference. Which website is more accurate Equifax or Experian? Why do the websites differ so much?Dave – thank you for your advice and your are probably right, I am obsessing over my credit scores.Cold – thank you for the website suggestions. I will look into them.

Best answer:

Answer by Dave
Because they all use different scoring systems. It’s a scam – don’t obsess over scores; just make sure the information on your reports is correct.

What do you think? Answer below!

Which is the best website to view all of my threee Credit reports and scores?

Question by : Which is the best website to view all of my threee Credit reports and scores?
I’m willing to pay a reasonable fee if necessary. I know I can request one from the credit bureaus for free but I want a centralized website to keep track of all 3 of my credit scores and reports. Thanks for the help.

Best answer:

Give your answer to this question below!

GetCreditRepair.org Reports, Lower Credit Scores Linked to Consumer Impatience

GetCreditRepair.org Reports, Lower Credit Scores Linked to Consumer Impatience

United Debt Counseling 1-800-665-9981

Fort Lauderdale, FL (PRWEB) December 21, 2011

The Federal Reserve’s Research Center for Behavioral Economics and Decision making in an unpublished study found that consumers who lack patience are more prone to default on their credit cards and their mortgages.

The research, scheduled to be published in the January issue of Psychological Science, was conducted by Stephan Meier, an associate professor at Columbia University and Charles Sprenger, associate professor at Stanford University. The study set out to “show an association between how people think about the future, how impatient they are and their credit decisions” said Meier. What it showed is that people who favor immediate gratification over delayed gratification might prove greater credit risks to credit card issuers and mortgage lenders.

Judi Lisbin, speaking on behalf of GetCreditRepair.org, a credit repair organization said, “Consumers who opt for immediate gratification by defaulting on their credit cards or mortgage payments in order to have more money in the present, will experience higher expenses in the future due to the drop in their credit scores. The lower credit scores can lead to higher interest rate loans and credit cards, denial of a job, refusal of a landlord to lease and higher insurance costs.”

The test conducted by the researchers asked 437 low-to-moderate-income individuals seeking credit and counseling help at a community center if they could get $ 49 now or $ 50 in a month, which would they take and most would take the $ 49 now. They reduced the number to $ 20 now or $ 50 in a month, at which point most participants said no, they would wait a month. The study found a direct correlation between impatience and poor credit scores and the less patient an individual’s behavior, the lower their credit score.

Lisbin said, “There is a lesson in this research for consumers. If they recognize themselves as impatient people, they should evaluate their spending. Perhaps step back and consider that next purchase; do I need this now or can I wait so that my credit score is not damaged?”

WWW.GETCREDITREPAIR.ORG counselors are solely dedicated to assisting consumers correct negative, erroneous and outdated information using credit repair. For more information about their programs, contact 1-800-665-9981. They can also be found on the web at http://www.getcreditrepair.org.

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Credit Scores and Mortgage Loans

Credit Scores and Mortgage Loans

Article by Pink Realty

In today’s economy, it’s becoming more and more difficult to get your billed paid on time. After a few late payments, you may wonder what the impact is on your credit report and your credit score. Whether you have lost a chiselled, gone through dissociated, lost a spouse, or dealt with a grievous medical issue, you know that any hardship tin wreak havoc on your financial responsibilities. You are not alone, and we at Pink Realty help people who have dealt with these all the time. More than 43 million people in the United States have credit issues that are severe enough to doing obtaining credit with reasonable terms selfsame difficult. If you want to repair your credit and improve your score so that you tin buy a home, there are some things that you should understand.

If you are looking to buy a car, auto credit scores range between 250 – 900. If you are looking to purchase household furniture or other goods, a consumer credit score is between 300 – 900.

The economy, with its high unemployment rates and increased cost of living has made it virtually impossible for the average person to maintain perfect credit. The sum of this equation has about 40% of the people who are trying to qualify for a new home loan are being denied for a mortgage.

These days in Colorado Springs, the agents at Pink Realty see that about 2/3 of the real estate listings are either short sales or REOs and 40% of the people trying to buy a home, can’t qualify. Are you one of the 40% that wants to buy a house but you can’t because your credit score isn’t high enough? What can you do about it? We’re going to take a look at what the credit score requirements are for the different types of home loans and then we’re going to address some important credit report facts so you can create your own credit report action items that will help you succeed in getting that mortgage for your dream home.

We’re going to take a look at what components makes up your score and give you some tips on how you can raise your score in the fastest amount of time.

Below is a chart that defines the 5 components that comprise your FICO scores (credit score). 35% of your total score is determined by past delinquencies, 30% by your revolving credit-to-debt ratio, 15% on the average credit age, 10% based on credit mix, and 10% on credit inquiries. Past delinquencies weigh the most heavily on your total score, which probably makes you think you should pay off all past delinquent accounts. This is not necessarily so. Depending on the age of older past due delinquent accounts, it isn’t always best to pay them off. Bad debts can only stay on your credit report a maximum of 7 years from the date of last activity. If you pay them off, the account will show paid, but the derogatory status remains and the account will now stay on your report for a maximum of 7 years from the date you paid it off. Therefore, check the dates on older past due accounts, charge-offs or collections. If the accounts are from several years ago, they will fall off your report on their own soon enough. Remember, the maximum amount of time information can remain on your report is 7 years. It doesn’t mean they will stay on there for 7 years. If you have extra money and you want to use it to better your credit score, you can pay off some recent charge-offs or collection accounts. While the derogatory status will stay, the account will show paid. Once older past due accounts drop off your report, your score will automatically improve.

The next big bang on your credit report is your revolving credit debt ratio. There are a lot of myths about credit cards and how they impact your credit score. Some people think you should only have a couple of credit cards, others think you should combine all credit cards balances into one credit card balance. Some people don’t think you should have high credit limits and some people think if you have a lot of credit cards, but don’t use them, you should cancel them. Finally, some people think if you pay off your credit card every month, you won’t establish credit. All of these are myths. The longer you have had a revolving account in good standing, the better impact it makes on your score. Remember average age of a credit file is 15% of your credit score. Keep those old accounts open! If you have one or more credit cards with high credit limits and manage them wisely, high credit limits can actually be advantageous. If you have several different types of credit cards, including department stores, keep them open. Closing credit card accounts can actually lower your score. But be aware, lenders have started cancelling inactive accounts or lowering credit limits on inactive credit card accounts. 30% of your credit score is determined by your debt-to-credit ratio. The lower your ratio, the better! Therefore, if you have cards that have a high credit limit, but you use the cards conservatively and keep small balances, it improves your score. The rule of thumb is to keep credit card balances less than 30% of the credit limit. For example, if you have a credit card with a 00 credit limit, you want to keep the balance on that account less than . The more credit cards you have with a limit and the smaller the balance you keep on those cards, the lower your debt-to-credit ratio is. If you have ‘maxed’ out your credit cards and your debt-to-credit ratio is 95 – 10%, the best way to improve your credit score is to work hard to get the balances down below 30% of the limit.

The older your credit history is the better. The longer you keep and maintain accounts in good standing, the more positively it impacts your score. If you have a credit card account that has been opened for 10 years, don’t stop using the card or the issuer might decide to close the account or stop reporting to the credit bureau. While the information might still be available, it won’t add as much weight to your score. So keep older card accounts active even if it meaning charging a revenant monthly bill to the account and then paying it off each of month.

While the mix of credit you have on your file only makes up 10% of your total score, it is important for lenders to see how you handle different types of credit. If you are trying to build new credit, one of the best ways is to take out an installment loan. This might be for a car or household goods. Showing that you tin make veritable monthly payments over time is identical important.

Finally we get to inquiries, which also make up 10% of your score. There are two types of inquiries: Hard inquiries and soft inquiries. If you are requesting your ain annual credit report or applying for a job and your potential employer is pulling your report, these are soft inquiries and do not impact your score, however, hard inquiries do. If you are shopping for a new car and go to 3 or 4 different car dealerships and each one runs a report, it will impact your credit score. However, the credit bureau system detects the similarities in reported pulled and the 3 or 4 reports will count as only one inquiry. The same happens if you are shopping for a home loan. If 3 different mortgage lenders run your report, it will count as one inquiry. Where inquiries really begin to hurt your score is when you apply for various types of credit in a short period of time. If you are trying to apply for credit cards and buy a car and a house at the same time, the inquiries will not only lower your score, but raise a red flag for lenders!

In summary, we mentioned the following points that tin assist improve your credit score:

• If you have old past due accounts, leave them alone. Let them age and fall off your report on their own.

• If you do have past owed or neglectful accounts that are current, you can pay them away. The disparaging information remains, but the status changes to payed. While this does not impact your score, it is good.

• Pay down your credit cards. Lenders like to see a big gap between your balance and your credit limit. While it makes sense financially to pay down high interest cards first, if you are looking to raise your credit score, it is best to pay down the cards that are closest to their limit! Work to keep a low debt-to-credit ratio on all of your revolving credit card accounts. Keep long standing accounts active, keep high balance accounts open, but use your cards conservatively so your debt-to-credit ratio stays low. If you have high balances on your credit card accounts, you will be most rewarded by paying the balances down until they are less than 30% of the credit limit. This is where you will get the biggest bang for your buck.

There are a few other things you can do to improve your score.

• If you have accounts that are old and due to fall off your report soon, you can contact the credit bureau to dispute the account. If it is old and has a small balance, there is a good casual the collection agency won’t dispute the charge and it will be removed.

• Look for errors on your credit report. If you see accounts that are not yours, dispute them. 70% of the credit reports have errors on them. The chances of there being an error on your report are good. So review your report and if there are errors, dispute them to have them removed.

• Old, past due accounts don’t get discarded because you have new, current accounts. Sometimes time is required to increased your tally. Let old bad debts equitable fall forth when they’ve aged. To eaten with them will add 7 more years of derogatory information.

• There are a few other things you can do to increase the improvement. If you have accounts that are old and due to fall off your report soon, you can contact the credit bureau to dispute the account. If it is old and has a small balance, there is a good chance the collection agency won’t want to dispute the charge and it will be removed. Other things to consider:

Your credit score is based on the information in your credit report, so

Despite 130 Million Credit Card Records Hit, Just 6% of Consumers Obtaining Credit Scores Concerned About Identity Theft

Despite 130 Million Credit Card Records Hit, Just 6% of Consumers Obtaining Credit Scores Concerned About Identity Theft

Norwalk, CT (PRWEB) August 18, 2009

Albert Gonzalez and two unnamed Russians were charged in New Jersey on Monday, August 17 in the largest data breach criminal case in U.S. history according to news reports. Despite the magnitude of the case, just 6% of consumers surveyed seek their credit scores because they ”think they may be the victim of identity theft.”

A survey of 270 consumers reveal that the top benefits and reasons for seeking their credit scores and reports. The results are as follows:

    42% are looking for inaccuracies in their credit reports     22% are considering applying for a new credit card, loan or mortgage     14% want to be alerted whenever there is a change in any of their 3 credit scores     6% think they may be a victim of identity theft     16% selected “other” unspecified reasons

FreeScore.com, a service that provides consumers with access to their credit scores, reports and supervised, conducted the survey from July 22 to August 18, 2009. All respondents opted-in to participate in the appraised after signing up for FreeScore.com seven-day free trial service.

According to Rob Wyse, spokesperson for FreeScore.com, “Consumers who have a credit monitoring service can be alerting to any changes in their credit report and see if their credit scoring were impacted. It tinned be a first window into identity theft, especially if there is an unauthorized change of address, unrecognized credit account, or suspicious charge.”

About FreeScore, LLC
FreeScore, LLC, is a service that provides consumers with access to their credit scores, reports and monitoring. For more information, go to FreeScore.com.

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Credit Report Website Offers Cash Reward for Perfect Credit Scores

Credit Report Website Offers Cash Reward for Perfect Credit Scores

(PRWEB) February 4, 2005

TotalCreditReports.com has teamed up with TrueCredit in a nationwide search for people with a perfect credit score. For the month of February, anyone who has earned a perfect 850 TransUnion credit score tin qualify to claim the $ 1000 prize along with a lifetime of free Credit Alerts to help them keep their score spotless and guard against identity theft. To qualify, you must achieve a score of 850 when you order TrueCredit’s score based on TransUnion data.

Credit scores range from 300 to 850. According to Fair Isaac Corporation, about 11% of consumers in the United States have a credit score over 800, but only a select few ever reach a perfect score of 850.

“I realize that very few people have a perfect credit score,” said Dave Bascom, owner of TotalCreditReports.com, “but that’s what makes this nationwide search so exciting. It is a big deal to have a perfect credit score, so why not give a big reward?”

TotalCreditReports.com is an authorized marketing affiliate of TrueCredit. TotalCreditReports.com is a source of information related to credit reports, credit scores, identity theft and other credit issues. TotalCreditReports.com also offers a blog featuring current news and credit-related articles.

TotalCreditReports.com provides up-to-date information on the credit reporting industry to help consumers obtain and understand their credit reports and scores.

For more information, visit:

http://www.totalcreditreports.com

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Just 33% of Americans Who Understand Credit Scores Know That Credit Scores Can Change 5+ Times Per Year

Just 33% of Americans Who Understand Credit Scores Know That Credit Scores Can Change 5+ Times Per Year

Those with incomes that transcend $ 75,000 have a somewhat greater awareness that a credit score can change five or more times per year.

Norwalk, CT (PRWEB) March 2, 2010

A February 2010 survey of 1,000 U.S. consumers revealed that 77% of American claim to understand credit scores. Yet just 33% of them know that a credit score can change five or more times per year. The results are part of the First Quarter 2010 FreeScore.com Consumer Credit Score Awareness Study*, a January 28–February 2, 2010 online poll of Americans ages 18+.

Other results of the poll reveal that, of the population that understands credit scores, men are more aware that credit scores can change frequently. Thirty-eight percent of men believe scores can change 5+ times in a year versus only 29% of women.

In addition, 35-to-54-year-olds have a higher awareness that credit scores can change five or more times per year.

Age                                                                                        18-34         35-54            55+
Believe credit scores can change 5+ times in a year    26%             37%    32%

Also, consumers who have more recently checked their scores are not more aware of how often scores can change (35% for those who recently divorced vs. 31% among those who haven’t checked their scores in the past year).

According to Carrie Coghill Kuntz, Director of Consumer Education for FreeScore.com, “Knowing the factors that can change your score is an obvious first step to improving it. Begin to educate yourself about the factors by going to informative websites like CreditFYI.com or the Federal Trade Commissions credit information website. In addition, you can check your credit report from each of the major bureaus one time every 12 months at the government site http://www.AnnualCreditReport.com, or you can check your 3 credit scores and reports often as you wish at FreeScore.com.”

About FreeScore.com
FreeScore.com is a service that provides consumers with access to their credit scores, reports and monitoring. For more information, go to http://www.FreeScore.com.
Let’s keep in Touch!

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*The data for the First Quarter 2010 FreeScore.com Consumer Credit Score Awareness Study was collected through Survey Sampling International in Shelton, Connecticut. Results have a margin of error +/- 5%.

The articles and information available are for educational and reference purposes only. They do not constitute, and should not be construed as, legal or financial advice. Any legal or financial principles discussed here are for general information purposes only and may differ substantially in individual situations and/or in different states or countries. For specific legal or financial advice, please consult a licensed attorney or a financial professional. FreeScore does not control or guarantee the accuracy of any information provided through external links from the articles on this website to any other website, nor does the FreeScore privacy policy apply to any personal information that may be collected via the external links.

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Free Credit Score Analyzer Video Released by CreditLearningCenter.com: Helps Consumers Understand How to Improve Credit Scores

Free Credit Score Analyzer Video Released by CreditLearningCenter.com: Helps Consumers Understand How to Improve Credit Scores

Los Angeles, CA (PRWEB) May 2, 2008

CreditLearningCenter.com, the credit and debt site that keeps consumers updated on the latest information regarding personal credit reports, credit scores, and credit monitoring services has released a special feature to help consumers understand the anatomy of a credit score. The video feature, “Understanding My Credit Score” is available to visitors at the Credit Learning Center.

“Increasingly, consumers want to know, what’s my credit score and what can I do to improve my credit score? We produced this video to help consumers understand how information in their credit report impacts their credit hit,” said Walter Burch, Editor of Credit Learning Center. “Beyond maintaining a good payment history, many consumers aren’t aware of the other things they can do to improve credit scores. This video feature will clearly explain what consumers can do to assist improve credit ratings on all three credit bureaus, Experian, Equifax, and TransUnion,” added Burch. In addition to payment history, the feature also explains the statistical significance of other credit score factors such as debt-to-available credit ratio, length of credit history, credit inquiries, and more.

The average credit score in the U.S. is about 680. Typically, consumers with a higher-than-above credit tallied are extended lower interest rate offers on everything from home loans and refis to auto loans, credit cards and more. These days, special credit scoring formulas are also utilized by the insurance industry to manage venture and determine rates for various categories of insurance including home insurance, auto insurance, and more.

The bottom line: The three digit credit score is an asset that can be worth tens of thousands of dollars or more over the lifetime of a consumer.

For the complete video have “Understanding My Credit Score”, consumers may see http://www.creditlearningcenter.com.

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CreditFYI: Knowing All 3 Credit Scores Can Help You Manage Your Credit

CreditFYI: Knowing All 3 Credit Scores Can Help You Manage Your Credit

Norwalk, CT (PRWEB) July 28, 2009

According to CreditFYI.com, a leading educational consumer website on consumer credit and fraud, there are three types of FICO credit scores, not just one. The three credit scores come from credit-reporting agencies Experian, Equifax and TransUnion. These scoring systems use a methodology provided by FICO (originally known as Fair Isaac Corporation). Although the credit-reporting bureaus have also introduced their own versions of the credit score, FICO scores are most commonly used by lenders and generally range from the low 300s to the mid 800s (higher is better). Therefore, most people actually have three FICO scores — one from each of the three major credit bureaus.

It’s important to know all of your credit scores, because radical differences from one to the other might indicate one or more of the reporting agencies are using inaccurate data to calculate your score. If that’s the case, you’ll need to correct the misinformation by contacting the specific credit bureau. (Although consumers used to have access to all three FICO credit scores, as of February 2009, consumers can no longer obtain their Experian FICO score, although lenders can still use it.)

It’s also a good idea to know your highest and lowest credit scores in advance of applying for any loan, credit card or line of credit, so you know what lenders will see when they check your credit.

“While some lenders prefer looking at just one of your credit hitting, from one reporting agency, others will observed all three,” said Rob Wyse, a CreditFYI.com spokesperson. “The problem is that you won’t know which of your credit tallied is being used to evaluate your creditworthiness. Plus, it’s important to know whether the score or scores lenders use are, in fact, an accurate reflection of your credit history.”

Wyse recommends these four stepping for securing and checking the accuracy of assign scores:
1. Go to CreditFYI.com to select a credit score provider that offers all three scores.
2. Obtain your scores and your credit history, and review them in detail.
3. Contact any credit bureau that reports inaccurate or erroneous information, and make sure those errors are corrected.
4. Learn more about credit scores and credit reports through an educational resource such as CreditFYI.com.

Because credit tally are used by most lenders to determine your credit risk when you apply for a loan, credit card or line of credit, credit tallied — and the ascribe history they’re based on — can help qualify for the most attractive interest grade and term the next time you need to finance a purchase.

For more information on credit scores, visit http://www.creditfyi.com/Credit-Reports/Credit-Scores.htm

About CreditFYI.com

CreditFYI.com is a leading educational consumer website on consumer credit and fraud. For more information, go to http://www.creditfyi.com.

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How to Get 3 Free Credit Scores

Featured

How to Get 3 Free Credit Scores

Article by Adam Tijerina

Despite the recent stock market turnaround, most people are unable to qualify for the best mortgage rat for refinance rates without a high credit score. Mortgage lenders and other financial institutions have overreacted to the recent credit crisis and housing collapse and it made it hard for everyday folks to take advantage of all time low mortgage rates.

This is why it is imperative to get your 3 free credit score and understand where you rank and how you can improve your tally to qualify for the best bond and refinance rates.

You can search online for 3 credit scores free and you will find several sit that offer “credit scores” but these are not the ones the lenders use. These score can give you an idea of where you rank on the credit score range but if you desire to look at the numbers your mortgage lender will look at, you involve to get your 3 FICO credit scores from TransUnion, Equifax, and Experian.

Getting your credit scores from the three national credit bureaus will give you the best idea of your creditworthiness.

So how to get 3 free credit scores?

You would think that the government would provide your credit scores along with your credit reports since they desire to help consumers as much as possible get into their own homes but this is not the case.

The federal government solitary provides free credit reports and you have to pay extra if you desire to see your credit scores.

You can anticipate to pay up to for each clock you want to view your credit scores.

So where do you get your 3 free credit scores from?

You’ve seen the commercial for free credit describe dot com were unloosen score com right? If you listen really closely at the end you’ll hear the terms and conditions stating that free credit report and score applies with enrollment in their credit monitoring package.

This is not a badly deal actually. Credit monitoring allows you to check your credit score on an ongoing basis and make sure no errors are in your credit report which can prevent you from qualifying for the lowest bond and refinance rates.

And you do not have to fretting about lowering your credit hitting by putting an inquiry on your credit file.

You will also be able to keep an eye on your credit register and make certain no suspicious activity appears that could lower your score or result in identity theft.

About the Author

Get your 3 free credit reports and scores online instantly.

Learn how you can improve your FICO scores and qualify for the lowest mortgage and refinance rates to save you hundreds of dollars a month on your mortgage payments.

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National Credit Report Wants College Grads To Understand Their Credit Reports And Scores

National Credit Report Wants College Grads To Understand Their Credit Reports And Scores

Credit Monitoring Services

Delray Beach, FL (PRWEB) June 4, 2010

NationalCreditReport.com, a leader in credit report, credit score and credit monitoring services, advises recent college graduates that it’s never too early to get a good understanding of their credit report and score.

“Young adults just graduating from college should realize that along with newly-found financial freedom comes quite a bit of financial responsibility,” said Ambrose, Vice President of Marketing and Operations for NationalCreditReport.com. “It’s never too early to start building good credit with the III major credit bureaus and protecting your identity.”

However, many college graduates are not clear on the fundamental details about credit and the information credit report bureaus begin collecting in their credit files from the time they open their first credit card.

“To begin understanding your credit report and score, you should know that there are three major credit bureaus, Experian™, Equifax™ and TransUnion™,” said Ambrose. “But since credit reporting bureaus are all separate entities, they may each have different information on you resulting in different credit scores.”

A credit file will contain information on the types of credit you have such as credit cards, your debt like outstanding student loans and credit payment history. They also contain housing information, employment history, your Social Security number and information that is public record including judgments, bankruptcies and liens.

Ambrose also notes that it’s not only lenders and creditors that can get your credit report from the credit reporting bureaus. Insurance companies, collection agencies, landlords and with a permissible purpose can access credit files. Even potential and current employers can check your credit file with your approval.

“Having a basic understanding your credit report and score is vital in building good credit. Good imputed can result in being granted better lent and lines of credit,” state Ambrose.

About NationalCreditReport.com
Since 2004, NationalCreditReport.com has specialized in providing credit information and credit monitoring services to consumers to help them understand their credit report and score. NationalCreditReport.com encourages consumers to check their credit report from each of the three major credit bureaus on a regular basis.

Contact:
Allison Tomek
NationalCreditReport.com
561-805-8000

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Understanding Credit Scores: Law Requiring Disclosure of Credit Scores to Consumers Step in Right Direction

Understanding Credit Scores: Law Requiring Disclosure of Credit Scores to Consumers Step in Right Direction

(PRWEB) November 17, 2004

Starting December 1, 2004 mortgage lenders will be required to disclose an applicant’s credit score and reasons for the score if the score is used in the underwriting decision. SPENDonLIFE.com (http://www.spendonlife.com/entercampaign.aspx?id=795&ord=2), a consumer savings website that provides mortgage quotes, encourages all mortgage applicants to take advantage of this new law.

“This new law is great for consumers. We encourage them to have a good understanding of their credit score even before applying for a mortgage,” says SPENDonLIFE.com President, Mark Henry. “Knowing their credit score allows consumers to negotiate better rates or find ways to improve their hit, before they are at a point where they need to close on their house.”

Consumers have often been in the dark regarding the rates they receive on home loans or why they were declined an offer. The new law addrest those publish by allowing consumers to see the score the lender used to make a decision. Consumers tinned dispute the credit score used if it is inaccurate.

“It’s going to be easy for consumers to learn whether the lender used the appropriate credit score. Sometimes credit reporting agencies differ and have different records. Consumers can make get the best deal by comparing credit scores from two different sources,” says Henry.

Public Law No. 108-159 was signed it into law on December 4, 2003. SPENDonLIFE.com offers a free service to help consumers lower their monthly bills. Consumers can save on loans, insurance, long distance, debt management, credit reports and more. The company has been a leader in helping consumers save money since 2001.

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More Credit Score Press Releases

Free Credit Report Scores Online – Checking Your Credit Scores Online Is Easy!

Free Credit Report Scores Online – Checking Your Credit Scores Online Is Easy!

Article by Check My Credit Report For Free

Many people understand the value of regularly monitoring their credit report scores. Identity theft affects millions annually. Furthermore, credit report score errors can result in credit card or loan denials. Sadly, many people do not take the necessary precautions to safeguard their credit. There are many ways to protect our credit. To begin, you should make a habit of checking your report every six months.

Why Check Your Credit Report Score Online?

Checking your free credit report score online is the first step to protecting your credit rating. It does not take long for someone to steal your identity. Within a few weeks, a thief may have attained several credit card or credit accounts in your name; and these accounts will appear on your credit report score.

The Purpose of Personal Credit Report Scores

A person’s assigned worthiness is judged by information included in their credit describing score. When applying for any type of credit, lenders will review your credit score or full credit report. The credit scored are often reviewed by retailers and lenders that offer instant credit. However, if you are hoping to obtain a major credit card, auto loan, major purchase, or mortgage, the credit lender will request a detail copy of your credit report & scores.

What Is A Credit Report Score Used For?

Credit report scores include information such as number of credit accounts, balances, past due accounts, judgments, collection accounts, etc. Based on the information, a lender will determine whether you qualify for a loan. People with several negative scores, or credit report score errors, have a reefing happened of getting approved and a higher chance of larger interest rate payment terms if accepted..

When Should I Check My Credit Report Scores?

However, creditors make mistakes. An example, a creditor may have failed to report a past due balance that was paid in full. By checking your credit report score every six months, you will be capable to detect suspicious activity and resolve inaccuracies. For duplicate credit protection, subscribe to a credit monitoring service. For a low monthly fee, these services notify subscribers whenever new attributed accounts are opened in their name.

It’s Easy To Review Your Online Credit Report Score

Checking your credit report score online is free and convenient. Various credit reporting companies offer free credit report scores online. Simply verify information such as your name, address, social security number, and within minutes you are able to gain access to your report. Reports are easy to read and viewable for a month.

Go to Check My Credit Report For Free.com for more information

About the Author

Check Free Credit Scores at Check My Credit Report For Free.com

More Credit Reports Articles

Total Credit Reports Unveils Discussion Forums for Credit Reports and Credit Scores

Total Credit Reports Unveils Discussion Forums for Credit Reports and Credit Scores

(PRWEB) May 31, 2005

Total Credit Reports has launched an online discussion forum dedicated to ascribed-related topics. Discussion topics include credit reports, the credit bureaus, credit scores, credit repair, loans, credit cards, bankruptcy, divorce, and other topics related to consumer credit.

“These new forum will serve a place where people can openly discuss their experiences with the American credit system,” said Dave Bascom, owner of Total Credit Reports, “It’s part of our mission to provide a comprehensive resource where people can learn how the credit reporting system works. This is something that touches everyone’s life, but very few people understand what goes into a credit report or a credit score. The forums will allow site visitors to share knowledge and experience so we can all learn more about how it all works.”

Since November 2004, millions of consumers have begun requesting their credit reports from the three credit bureaus. After June 1, residents of all but the Eastern states will have access to one free annual credit report per year. Although the new credit reporting law gives consumers more access to their personal credit reports, there is still a lot of confusion about how to read and understand the reports. There are still a lot of aspects of credit reporting that are misunderstood by most consumers. The purpose of Total Credit Reports’ new discussion forums is to provide a venue to discuss important credit issues related to credit scores, credit reports, loans, and other credit-related topics. Visitors to the forums are free to ask questions or discuss problems they’ve had as they request their free credit reports or try to get inaccurate information fixed on their credit report.

Anyone who visits the credit report forums at http://www.totalcreditreports.com/forum/ can post a question, comment, or response to other people’s messages. Total Credit Reports staff will moderate the message boards and answer any questions that go unanswered by site visitors.

Total Credit Reports is a website that was created in 2004 to help consumers learn about credit reports, credit scores, and other credit issues. Total Credit Reports also offers a news blog featuring credit-related news and current events.

For more information visit:

http://www.totalcreditreports.com/forum/

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