Thursday, May 25, 2017

What’s Missing From Your Free Annual Credit Report

Checking your credit report every now and then is important. The government allows everyone to access their free annual credit report once a year, which can help you detect signs of identity theft early and make good financial decisions. The problem is that you are not entitled to a free credit SCORE, which, as it turns out, is the most important piece of information that your potential lenders and creditors will utilize to determine whether you get approved for a personal loan, auto loan, mortgage loan, unsecured credit cards, etc. And if you are eligible for a loan, the loan interest rate will change. Those with a good credit score gets better interest rates on mortgage loans, auto loans, etc. Your credit report, which is collected from the three bureaus (Equifax, Experian, and TransUnion), is only used as a raw data to calculate your actual credit score. You have to visit each bureau independently and pay the full price to see them. Alternatively, you can try any of the following free credit score trial offers below. It’ll save you the hassle of going to each credit agency.

Offer Name: Our Rating:
Free Credit Scores Received: Credit Bureaus Monitored: Trial Period: Benefits:


Free 7-day Trial 3 Bureau Credit Monitoring. All Free 3 Credit Scores.


Single Credit Score TransUnion
Free 7-day Trial 3 Bureau Credit Monitoring.


Single Credit Score TransUnion
Free 7-day Trial 3 Bureau Credit Monitoring.


Single Credit Score TransUnion
Free 7-day Trial 3 Bureau Credit Monitoring.

THIS NOTICE IS REQUIRED BY LAW. Read more at FTC.GOV. You have the right to a free credit report from or 8773228228, the ONLY authorized source under federal law. free annual credit report

But what is the purpose of these trial offers?

In a nutshell, credit score offers are usually designed to attract more people to try out the services that come with them. Once the free trial period is over and you like the services, you can decide to upgrade to the paid membership. Many people choose this option, but there are some who will opt out of the service even before the end of the trial period. However, as long as you have enrolled in the program, you will still get to see your three credit scores for free. (*For more information on the best credit monitoring service, visit this page which has a full comparison of various types of credit monitoring services).

Keeping track of your credit report is important. The government facilitates this via the free annual credit report system at But it is just as important to check your credit SCORE on a regular basis, as this ultimately sums up your creditworthiness to lenders. You can take advantage of the free trial services as well as learn how to improve your credit rating. There are several benefits of having a good credit rating. These include higher loan amounts, higher rate of approval for loans, and lower interest rates on those loans. Keep in mind that most of the free offers that provide free credit scores are usually trial memberships. If you do not wish to continue with their service, you will have to cancel your subscription before the expiry of the trial period.


All About Free Annual Credit Reports

Annual credit reports contain your financial information such as bill payment history, current debt & loan amount, bankruptcy records if any, etc. Other than being a right provided by the law, it is important to see your annual credit reports to ensure no fraudulent activities are going on under your name and verifying the accuracy of your financial information.

There are only three certified companies allowed to generate your credit reports – Experian, Equifax and TransUnion. You can see one or all of these credit reports for free thru

Visit and order one or all 3 credit reports for free.

Step 1: Open was established by the three certified bureaus – TransUnion, Experian, and Equifax – as a central ordering zone for clients to request credit reports. It is the only site mandated to give out free credit reports.

Step 2: Fill the required information
On the home page, click on request your report now! tab. Under the Fill out form section, enter your details. The basic information you will be required to fill to prove your identity includes;

  • Social security number
  • Date of birth
  • Current address
  • Your old address in case you have moved to your current residence.
  • Step 3: Decide what credit report to order. You can order just one two, or all 3 credit reports for free.

    Requesting your credit reports by phone is convenient if the internet is not an option. Place a call to 1 877 322 8228 to order your report from any of the three reporting agencies. There is a simple verification process you will go through over the phone to verify your identity. After the successful order, your credit report will be mailed to you in 2 to 3 weeks.

    The first thing to do is to download the application forms from then proceeds to fill it. After ensuring all the information you have filled is correct, mail the form to credit reporting bureau. Your credit report will be mailed to you in 2 to 3 weeks.

    How Your Credit Data Is Ontained
    The three credit reporting companies obtain the information from different sources. The style in which they present the information also varies. For these reasons, the information in a credit bureau report from one agency may appear slightly different from another. It is, therefore, advisable to order all three reports from the respective credit bureaus to check fior these discrepancies. It is especially important if you are planning to make a large purchase such as a house or a car.

    Experian – One distinct feature of this company’s reports is that they usually inform you when a negative report or account is planned to be removed from your credit report. The company also provides each account with an 81-month payment history. Furthermore, Experian can also report on-time rent payments, unlike its peers which list late ones only.

    Equifax – The Company categorizes accounts into open and closed. This makes it easy to review. Just like Experian, it provides each account with an 81-month credit history, indicating whether the account was overdue or paid in each month.

    TransUnion – What makes TransUnion distinct among its peers is its ability to keep most up-to-date previous employment information and address. You are also allowed to correct the employment information on their website once you get the report, but it can’t alter your credit score. Another thing is, they are the only credit agency that reports your monthly payment and balance as a constituent of your credit report.

    Step 4: Verify your identity
    Each credit reporting agency must ensure that you are the one trying to request the report. For this reason, the company you selected in Step 3 will inquire you about your credit history. The questions will be about your credit accounts – how much you owe, when they were opened, etc. – and your previous residence address. In case you don’t recognize most of the questions asked, click on none of the above.

    Step 5: View your report/reports online
    At this stage, you will be able to see all reports you requested online. The companies allow clients to return and view their reports for up to 30 days if they had registered the account. Otherwise, you will view them once unless you print or save them on storage media.

    Required information
    You are required to provide your name, social security, address, and date of birth. Provide your previous address in case you have moved in the period of last two years. At times, you can be asked specific personal information such as your monthly mortgage payment for the purpose of maintaining the security of your files. Since the information contained in your file comes from different sources, the information each company can ask you is different.

    The time duration for the processing
    All orders made at made available immediately. An order made by calling 1 877 322 8228 or filling the application form is mailed to the person requesting them within 15 days. However, your report may delay in case the countrywide credit reporting company requires more information to authenticate your identity.
    What if the information is inaccurate, incomplete or has errors?
    According to FCRA, both the information provider and the credit reporting company are subject to providing accurate credit information about you. You have rights to contact the credit reporting company about the inaccuracies which will be investigated within 30 days. The credit reporting company will forward the updated information or advise you otherwise in case there is no correction to be made. If the company is unable to correct the information, you can request that a statement of the discrepancy be incorporated in your future reports and file.

    Unlike in the past where you were required to fill a lot of papers to order a credit report, technology has eased the process. Most credit reports are ordered online with clients distributed nationwide.


    Prepaid Credit Card Market- Global Segments and Forecast upto 2023

    The introduction of internet technology in banking sector is expected to boost the demand for cashless transaction among banking customers. However, a large number of banking customers are using cash and traditional banking products such as cheques and demand draft instead of credit and debit cards for daily financial transaction. This is due to the fear of hidden cost and convenience issue associated with cashless payment cards. The banking sector is trying to overcome these issues through offering prepaid credit cards.

    Browse the full Prepaid Credit Card Market report at

    Prepaid credit card looks similar to a credit or debit card with a card number, brand and signature field on it. A prepaid credit card is issued by a financial institution and performs the functions of a credit card except that a certain amount needs to be preloaded in account. The card holder can use the card for purchasing items till the preloaded amount gets finished. Prepaid credit card limits the borrowing of funds from the financial institution after preloaded amount is finished. The issuing of prepaid credit card does not require bank account of the card holder. Instead the amount is stored in a temporary bank account till the amount is fully used. This factor is expected to boost the adoption of prepaid credit card for non bank account customers in coming years.

    Financial institutions are enabling use of prepaid credit card in automated teller machine (ATM) and point of sale (POS) terminals. If the card gets stolen or damaged, the institution is able to issue new card on basic customer information. The remaining amount in previous card gets transferred into new card automatically. Prepaid credit card eliminates the fee and interest associated with normal credit cards. Thus, the customers don’t have to worry about the risk associated with hidden costs in use of credit cards. Prepaid credit cards are available in various forms in market depending upon the type of application. Gift cards are the most commonly used prepaid credit card available in market. The customer is able to use the gift card for purchasing the items in market through POS terminal or online shopping. Meal cards offer convenience of providing meal allowance through prepaid credit card platform. Payroll card is another type of prepaid credit card which allows an enterprise to pay salaries, incentives and reimbursements to the employees. The enterprise is able to credit the monthly salary for every month in the employee’s temporary account. Financial institutions are now providing forex, travelling and reward card depending upon the customer’s requirement.

    Get the sample report at

    The prepaid credit card finds its application among young adults, college students and old age people. Prepaid credit card eliminates the need of carrying cash which help the young and college students to carry equivalent amount of cash in form of a plastic card. The parents can also track the amount spend from the card time to time.

    Some of the major financial institutions providing prepaid credit card are Visa, Inc., American Express Company, MasterCard Inc., Kaiku Finance, LLC, Mango Financial, Inc., Total System Services, Inc., Citigroup and The PNC Financial Services Group, Inc.

    Read more Technology and Media Market reports at

    Transparency Market Research (TMR) is a global market intelligence company, providing global business information reports and services. Our exclusive blend of quantitative forecasting and trends analysis provides forward-looking insight for thousands of decision makers. TMR’s experienced team of Analysts, Researchers, and Consultants, use proprietary data sources and various tools and techniques to gather and analyze information.

    Our data repository is continuously updated and revised by a team of research experts, so that it always reflects the latest trends and information. With a broad research and analysis capability, Transparency Market Research employs rigorous primary and secondary research techniques in developing distinctive data sets and research material for business reports.


    How can home financing Refinance Work? Just what do i have to understand initially?

    How exactly does a Mortgage Refinance Work? What do i must know initially?

    How exactly does a Mortgage Refinance Work? Exactly what do I need to understand first?
    Movie Rating: / 5

    end refinancing your mortgage for a significantly better rate
    End refinancing your mortgage for a much better rate. Should you re-finance your existing mortgage for an improved interest rate? If you work with my mortgage voucher the solution could be no never ever. why? As you cannot recoup the amount of money that the lender or the loan officer is asking you. There are certain conditions that you may refinance your loan but only if you had sufficient cash to pay off financial obligation. Should you this, please utilize the exact same sum of money you will be currently paying toward your consumer debt and put this toward the mortgage as extra principal payment making use of John Schepcoff home loan coupon system. Most loan officials or bank offers only think what exactly is on it for them. Loan officer or lender officer is telling you how great and just how much money you are going be preserving during the period of the mortgage simply because they’ve lowered your monthly payment. Incidentally did they inform you how much money you will be charged you in the event that you refinance and start over. No! Because they do not understand the consequences of refinancing and quantity of months that you could place toward the mortgage and the additional amount of money to resume your impound account. Oh by the way, do not forget the quantity of monies that you had compensated on the loan and. You are getting conned whenever you refinance. I will be also financing officer and I also tell folks never get it done. I’ve been helping individuals for over three decades. Aren’t getting myself incorrect refinancing is perfect for some things yet not every thing. Like, you currently have a 9% rate of interest. Your debt 0,000 and you have paid 5 years on the loan. Just what would you look for? The solution is an 8percent or reduced with no additional finishing fees whatsoever on the loan. So the new loan would be 0,000 with 25 year term loan. Maybe not a 30 year loan. And any such thing less than a 9percent. Remember… the financial institution cannot put any costs on the loan, if they do, this is simply not a genuine zero cost Loan. Now if someone provides you with that I’ll say join it. That’s a no-brainer given that it’s perhaps not costing you any money. Today use my home loan coupon system and you also’re performing even better. So the main point here is you never want to re-finance your house. I do not care the amount of money they state these are typically saving you or simply how much smaller the mortgage is. Never be seduced by the trap. It’s very nearly positively impossible to comprise the mortgage fees and value throughout the loan doing it the way in which i’ve explained it for your requirements. Whenever you refinancing you must go through the entire photo. Do not simply listen to the mortgage officer and additionally they say “I’m helping you save 0 or i recently dropped your interest by a full point”. Hog-wash! You need to have a look at all of the figures through the beginning of original loan. You have to look at the figures once you begin over. You have to look at the numbers how much you are paying on new loan with all the figures and several years of the payment you were making. There are too many factors you need to consider. Therefore could it be really worth to re-finance? Not in my own publications. Get my system and I also promise you you will save lots of money and build a faster pension in position for yourself and your family members.
    Video Rating: / 5


    Help! My New Car Financing Has Eaten My Raise!

    Let’s take a look at the facts: Housing prices are rising at a clip of 10-15% per year, tuition costs are rising by an average of 10% each fall, and energy costs – well, the average rise in prices depends on the week you happen to be looking at, but double-digit increases have been the norm for the past few years. And now, the really depressing fact: Average wage increases have hovered between a measly 3 and 4 percent for the past three years. Now what, you ask, does any of this have to do with car financing?

    Hey, as simple as can be stated, it boils down to numbers. Interest rates: These are the hidden little killers that can destroy retirement plans and lifestyles over the course of a lifetime. Car financing is the second most important credit-related decision you will ever make, the first being the mortgage on your home. So, just as an example, let’s say that you make $ 30,000 per year and are looking to finance a $ 25,000 car over five years. The difference between attaining approved car financing at 6% interest and 16% interest equals $ 130 per month if you take the loan out over 5 years! And here’s the clincher – a 3% annual increase in salary will net you an extra $ 900 per year (and that’s before taxes), while saving $ 130 per month on your car financing puts nearly $ 1600 more dollars in your pocket. (And hey, that’s after taxes!) Even a few percentage points difference on your car financing can actually equal or exceed the raise you got from work this year!

    I had no idea those tiny numbers could add up to so much money! What is my best option for getting an approved car finance plan – with the lowest interest rates?

    In the end, your credit rating, and the interest rates it commands, can make or break you over the course of your life. Car financing is not rocket science, but you really have to be careful with the numbers – or you can end up paying thousands of dollars more than you have to. Your best approved car finance option is probably going to be obtained through a bank or credit union. The great things about getting your car financing through a bank is that you tend to get the best rates, personalized service, and you don’t have to worry about some pushy car salesman trying to shove useless add-ons down your throat every five minutes! However, banks and credit unions have higher car-financing standards, so you need decent credit to consider this as an option.

    But wait a minute – the banks always take forever to process a loan, and the salesperson at the dealership can get me approved in minutes!

    This is very true. But there is a price for that convenience, isn’t there? The dealer almost always offers you a higher rate on car financing – and be prepared for them to try and sell you every single add-on you never wanted in the hour it takes them to fill out the paperwork! That approved car finance arranged through the dealership may save you a week over financing through a bank – but just a few percentage points difference in interest rates can easily cost you $ 1,000 more each year for the entire length of your loan. So in the end…how much is that week worth to you?

    All right…the dealer can be a bad option for car financing – but what about those online places that can approve me in minutes?

    In all honesty, the Internet can be a great place to secure approved car finance. With the ability to hop around and shop the different sites, you can definitely get some decent interest rates, sometimes comparable to those offered by a bank – plus you can get approved in minutes, and be driving your new car in a day or so. So what’s the catch? Well, the Internet has more than its fair share of scammers just looking to get your social security number and other vital information. If that car financing information ends up in the wrong hands…well, you can do the math! Plus, the ‘Net can be terribly impersonal at times – but it is still a viable option for approved car finance at competitive interest rates.

    Impulsive and poorly made car financing options can literally cost you the price of an entire new car over the course of your life. Approved car finance is available through a number of outlets, and each has its own benefits and disadvantages. However, if you want to be able to afford actually driving your new car someplace other than home and work for the next few years, you may want to avoid the inflated car financing, AND those useless add-ons, offered by dealerships.

    Albert Medinas has developed and maintains the website Car Financing Resources , which answers the most common questions drivers have about Car Financing. Please visit us at today.

    8 Creepy Cases of Identity Theft

    8 Creepy situations of Identity Theft

    These situations of identity theft will make you’re feeling paranoid about the safety of your personal data. Let’s have a look at these creepy tales about identity fraud.

    Subscribe for new movies:
    Voiceover by Rodney Tompkins:

    8: Britanny Ossenfort
    This weird instance feels as though one thing regarding a creepy film. Britanny Ossenfort first met her roomie Michelle through friends, and also the two got a long collectively very well. They shared lots of similarities, and Michelle also had the woman hairstyle and shade fit Brittany’s. Things started getting just a little creepy whenever Michelle got a tattoo on her hand that has been the precise match as the woman roommate’s, but Brittany brushed away any unusual thoughts, additionally the two continued living
    7: Wendy Brown
    Wendy Brown, a 34 year old mommy from Wisconsin ended up being so desperate to turn back once again some time relive the woman youth, she did the unthinkable. One day, She arrived at Ashwaubenon High School in Wisconsin, and enrolled herself utilizing the woman 15 year old daughter’s identification whom during those times ended up being managing a member of family outside the state. Mom got her very own cheerleading outfit, and even visited a pool celebration with her brand new student friends. But once Wendy was not any longer seen at course, school officials reported her for truancy
    6: Nicole McCabe
    For three-years, Nicole Sandra McCabe have been living gladly with her Israeli husband in Israel. The Australian native was close to anticipating the woman very first son or daughter whenever she heard the news associated with assassination of Hamas chief frontrunner Mahmoud Al-Mabhouh in January 2010. The person who was wanted because of the Israeli federal government ended up being assaulted in the college accommodation in Dubai, and smothered to death with a pillow. But what shocked Nicole the most was the reality that her name ended up being among the folks implicated for murder, and she was now on Interpol’s most wanted list. The 27 year-old
    5: Lara Love and David Jackson
    The “neighbors from hell.” That’s exactly how a prosecutor described Lara Love and David Jackson, a Californian few caught in 2008 for committing a massive identification theft scheme. The two had satisfied in a close-knit community in Santa Cruz, and were well-liked and reliable by their particular next-door neighbors and loved ones. They fundamentally utilized that trust with their advantage by taking their neighbors’ post, hacking within their social networking, and stealing their particular charge cards. Using information of over two dozen people, they was able to con 1000s of dollars off several records. As criminal activity spree proceeded, victims noticed that these were being recharged for things and services they didn’t understand of, and upon investigation
    4: Rosa Vargas
    In 2004, Rosa Vargas from ny ended up being joyfully making preparations on her upcoming wedding, whenever her marriage application had been out of the blue refused three months before the woman special day. The main reason, as mentioned because of the Municipal Office, had been that she was already married – to not ever one, but two various males, one in Mexico and various other in Ecuador. Distraught and believing that it had been some type of mistake, Rosa and her fiancée proceeded using their marriage anyhow by acquiring their license from an alternative jurisdiction. The odd incident ended up being almost forgotten, but five years later on an Ecuadorian guy
    3: Moscow Philharmonic Orchestra
    In 2000, the handling of a Hong Kong classical site was contacted by someone who claimed to represent the Moscow Philharmonic Orchestra, asking should they will be interested to really have the group come perform at their particular destination. Delighted, they assented as Moscow Philharmonic Orchestra was globally distinguished as one of the most useful orchestra groups worldwide. The event ended up being publicized commonly, and was even arranged with the aid of the Hong-Kong government. 10,000 classical songs followers attended
    2: Frederic Bourdin
    One day in 1994, 13 year-old Nicholas Barclay was out using his friends within their home town of San Antonio, Texas. The man never came back residence that day and has now already been lacking since. Three years later on, a young guy showed up during the family members’ doorstep, saying himself to-be the prodigal Nicholas. Never ever mind which he had a French accent, or that their eye color had been various, your family took him in and genuinely thought him becoming their Nicholas. He advertised
    1: Arnaud du Tilh
    Here is another case of a popular French identity thief, though that one occurred nearly five hundreds of years ago. Martin Guerre was a 16th Century peasant staying in the town of Artigat, in southwest France. One-day, he disappeared totally after becoming accused of stealing grain, abandoning his wife Bertrande, and their baby guy. Virtually 9 many years later, a man saying to be Martin reappeared in Artigat. Their functions had been similar, and then he knew every detail of Martin’s life. This persuaded the villagers, including Martin’s spouse and family members. Therefore Bertrande existed with the woman returned spouse, and had two more young ones with him. The newest “Martin” in addition inherited that which was remaining by his deceased “father”. But Martin’s father