Monday, August 21, 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.


    Better Avenues To Get Free Credit Reports

    You know very well about the significance of credit reports. Now what’s bothering you get a personal copy of the credit report and that too in free? How will you manage to get it? Well there’s nothing to manage a credit report. As a respective consumer dealing with credits, it’s somewhat a sort of birthright that you should be given a copy of free credit report. Yes, what cannot happen is that your credit report cannot walk up to you and say that it’s yours. This much effort you will have to put to collect your personal copy of credit report.

    Know the issuing body

    Credit reports are issued as per the norms of the Fair Credit Reporting Act (FCRA). Under the supervision of FCRA there are three companies that are engaged in providing consumers’ reports or credit reports. You know them in a better way as Equifax, Experian and TransUnion. These companies are totally responsible for issuing free credit reports but of course once in a year to each individual or an organization.

    FCRA also has a bigger boss looking into its matter. Actually FCRA encompasses of the rules and regulations and they are looked after for the fair means of the consumers by the Federal Trade Commission (FTC). Hence you can make out that your credit report is under topmost protection and you can access it when you need to.

    Apply online or over telephone

    You can get a free copy of your credit report only after you apply for it by following the set rules. The three companies dealing with consumer reporting have websites and toll-free numbers. There is a specific application form for requesting to provide you with an annual credit report in their websites. You will have to fill that up with required information and place it any of the companies. As per the norms of the FCRA the application form can also be sent via post but only once in an annual year from the above mentioned companies.

    Need to inform exactly what

    The must information you need to provide without which you won’t get your personal copy of the credit report. Of course the information sought from you will begin with your name and your age detail. Then it is your address and that has to be the present one. Any change made within the last couple of years has to be also mentioned clearly in the application. These are the basics.

    Now you will have to provide certain secret identifications like the Social Security number and something which you only are aware of. This second information will be asked to you by the company that issues the credit report and you will have to answer accordingly. It’s no big deal. What’s important is you should keep a personal copy of credit report with proper updates after every twelve months to safeguard your very own financial position in the society.

    Jason Uvios writes about on Better avenues to get free credit reports to visit :- credit reports , free credit reports and free instant credit reports

    New Auto Loan Rates: Do Not Rush In

    Comparing new auto loan rates can be an eyeopening experience. Hidden costs and fast talking could make you sign a deal you arent totally happy with. But if you keep your eyes open, youll be able to find a great new loan to fit that great new car.

    That New Car Feeling

    There is nothing quite like settling into a brand new car. Many people just love the new car smell. Owning a brand new car always gives the owner a special sense of pride that you can see each time they get behind the wheel. But what are the other factors involved in getting a new car? What else should you be thinking about, especially if you are looking at a car loan?

    Naturally, a new car is more expensive than a used car so that means your auto loans rates will be higher too. This can work to your advantage in one way you will probably be able to negotiate the price a little and get a bigger loan amount. However, a new car also means you will have to bear the costs of depreciation.

    Dealer Ups And Downs

    With new auto loan rates, it is a good idea to keep an eye on your dealer. They may offer you a great plan but it will probably be padded with a large number of extra fees. These could be listed as tow packages or undercoating. These are all unnecessary charges so its best to avoid them. In fact, when looking for a good low rate car loan, you will find that shopping around a bit will find you a better offer.

    Some of the advantages of getting a new car loan are that you will be entitled to perks like factory support and complete warranties. There is also a greater chance of getting refinancing on a new car. Apart from comparing new auto loan rates and looking for deals with online car loans, make sure that you are in a position to cover your monthly payments. Most loans extend to about five years so make sure you are financially prepared for this.

    Another helpful tip is to put a down payment on your car. The bigger your down payment, the lower your monthly installments will be. If you can take the time to shop around for a new car, you can also take the time to shop and compare for the best loan. Researching new auto loan rates can help you get the most out of your loan.

    new auto loan rates are worth looking into when researching online car loans . By comparing auto loans you can find the best low rate car loan to suit your needs.

    Related New Auto Loan Articles


    Victims of ID theft: 5 steps to take

    Identity theft can be stressful, but there are steps you can take to minimize the long-term impact on your finances. Get the know-how you need to recover from being a victim of identity theft. To learn more and to see more videos, go to
    Video Rating: / 5


    How Bitcoin Works in 5 Minutes (Technical)

    How Bitcoin Works in 5 Minutes (Technical)

    A short introduction to how Bitcoin Works. Want more? Check out my new in-depth course on the latest in Bitcoin, Blockchain, and a survey of the most exciting projects coming out (Ethereum, etc):
    Lots of demos on how to buy, send, store (hardware, paper wallet). how to use javascript to send bitcoin. How to create Ethereum Smart Contract, much more.

    Written Version:

    Less technical version:

    Donation address: 1K7A6wsyxj6fThtMYcNu6X8bLbnNKovgtP

    Germain caption translation provided by adi331 : 19s6rqRfHa19w7wcgwtCumPs1vdLDj1VVo (thanks!!)
    Video Rating: / 5

    What is Bitcoin? and How do you mine it? Well, this video will go over Bitcoin mining and show you how to set up Bitcoin Mining Software on your computer. Bitcoin is a digital currency, which is supported by a P2P network of computers across the internet that act as servers to process the financial transactions of this currency. Some believe Bitcoin is a Scam, or Ponzi scheme, but once one understands the concept of Bitcoin, it is clear that it is not. While the uses for Bitcoin are virtually infinite (paying for goods, services, or money laundering, gambling and drug smuggling) it’s structure remains concrete and open source. However, the VALUE of each Bitcoin is disputable. In theory, Bitcoin becomes harder and harder to mine, which means it takes more and more energy (electricity for your computer/”mining rig” to run) to process Bitcoin and solve “Blocks” of data. Therefore, the price of Bitcoin may be related to the price of energy and the cost of maintaining this network. While it is easy to assert that there will be additional computers added to the network daily, which would ease the work load on the initial nodes, one can only speculate that the price of Bitcoin MUST increase over time. Especially when power costs in the foreseeable future will be rising.
    Currently, only 21,000,000 Bitcoins can be created, but that I guarantee will rise, as many are hoarding the coins and there just simply wont be enough to go around and not enough work, or transaction data, for the increasing number of miners out there.
    Specialized computers and “Mining Rigs” are becoming available from companies such as Butterfly Labs and others, which harness ASIC technology. ASIC means application-specific integrated circuit- so these devices are engineered to mine Bitcoin and only mine Bitcoin. This creates an extremely powerful, and efficient machine, over 100x times more efficient than current setups. These machines are said to be able to mine Bitcoin up to 50 GH/s (if that means anything to you, but it’s A LOT) extremely efficiently! More efficient than any desktop computer rig. None of these super computer miners have been shipped/received and it is still extremely uncertain whether these companies are scamming people or not. (I wouldn’t PRE-order a ,000 machine promising me all the money in the world, but many are)
    SO – If these machines come to market, they will truly dominate all others and render most other PC’s/Rigs worthless. Anyways, enjoy the video!

    BitCoin For Beginners Facebook Page

    BitCoin For Beginners Twitter


    Bitcoin Wallet:
    GUI Miner:

    BitCoin Calculator:

    Monitor How Many Watts Your Computer Uses:

    MH/s Hardware Comparison:

    BitCoin For Beginners – Part 2:
    BitCoin For Beginners – Part 3:

    Thank you!
    Video Rating: / 5

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