Monthly Archive: November 2017

Can I get a mortgage with my credit rating? #free #online #credit #score

#can i get a mortgage with bad credit

Can I get a mortgage with my credit rating?

A poor credit rating can be a major barrier to getting a mortgage, but the good news is, there are lenders who are prepared to help those whose applications may be refused elsewhere.

The state of play

It might not seem fair but even having a big deposit in place and a decent salary isn t enough to guarantee you a mortgage. If you have a bad credit score then your application is likely to be refused.

Banks and building societies are cautious about who they lend to, so they always check credit reports carefully to see if potential mortgage customers have defaulted on any debt payments in the past. They will also look for any County Court Judgments (CCJs) against you, or if you have ever filed for bankruptcy.

In any of these scenarios apply, the chances are you won t be eligible for most mortgage deals even if your financial problems occurred a long time ago.

Which mortgages am I eligible for?

There are some mortgages however, which are specifically designed for those whose credit history is far from perfect. These are often known as sub-prime mortgages or adverse credit mortgages, and are generally offered by lenders specialising in this market.

It might not seem fair but even having a big deposit in place and a decent salary isn’t enough to guarantee you a mortgage.

While they work in the same way as standard mortgages, insofar as you borrow a certain amount and then make monthly repayments over a set term, interest rates are unsurprisingly higher and you are likely to need a more sizeable deposit to put down.

Most lenders will require a deposit of at least 25% to 30% of the property value, compared to around 5% to 10% if you were applying for a standard mortgage.

Check your credit history

Before applying for any mortgage, you should always check your credit report carefully, to establish if there is any reason why your application could be refused. You can obtain a copy of your report from one of the major credit rating agencies, which include Experian, Equifax and CallCredit.

Remember that certain simple oversights, such as not being registered on the electoral roll, or failing to close down credit card accounts that you no longer use, can have a negative impact on your credit rating.

What else mortgage lenders need to know

As well as looking at your credit report, lenders will usually ask you to supply several other bits of information before they agree to offer you a mortgage.

They will want to see pay slips from your employer or typically three years accounts if you are self-employed and bank statements to see how you manage your account.

The lender will also ask what other debts you have, so you will need to disclose if you have any personal loans or credit cards. If possible, it s a good idea to try to pay these down before applying for a mortgage, as this will demonstrate that you take a responsible approach to your finances.

Always try and pay any bills on time too, as late payments will again have a negative impact on your credit history.

Compare interest rates

When applying for any mortgage, whether you have a poor credit history or not, it is vital to compare as many deals as possible to ensure you find the right one to suit your needs. If you aren t certain which mortgage to go for, then you should speak to a mortgage broker who can talk you through the available options.

Remember to factor in arrangement fees and any other charges, as these can have a significant impact on the overall cost of the mortgage too.

Looking for mortgage advice?

California Credit Scores – Available for FREE #whats #my #credit #score

#free credit rating check

California Credit Scores – Available for FREE

What is my credit score?

With credit cards, car loans, mortgages and cellphones, the average California resident has a number of financial obligations. Every decision and payment choice is then reflected in an individual credit history report.

Credit score reports are the best way to judge one’s overall credit score ratings, and gives financial institutions an accurate idea of where an applicant stands financially. Credit reporting is also a great way to identify and even prevent identity theft situations that can be a real hassle to clean up.

How to Check Credit Scores in California

Checking credit scores in California is a fairly simple process, made even simpler by the prevalence of online credit reports. For credit score monitoring, two credit score calculators are the staples of the industry: VantageScore reports and FICO credit scores.

FICO scores have been around for decades and are administered by the FICO software company (based in none other than California). VantageScore is a separate product consisting of an average credit score based on information compiled from major credit report companies such as Equifax.

FICO scores can be obtained by visiting the FICO website and purchasing a credit history report. Additional purchase options include instant credit reports and full, detailed credit bureau reports.

Buy a Free Credit Report

Fortunately, free credit reports and reliable credit reports can be ordered. Various companies – such as the Detroit-based Quizzle – have begun to offer free VantageScore credit report information from official credit report agencies such as Equifax.

Additionally, companies like Quizzle help to protect your credit score by offering personalized credit monitoring services, and even improving credit scores. Because credit score checks have become a crucial part of a major financial endeavor, many Californians have had success by getting credit checks monitored in this way.

Why I Need to Stay on Top of My Credit Report

Credit report agencies – such as Equifax – use information from your financial history to generate your credit score.

Credit scores are a number on the credit score scale based on the following factors:

  • Payments made on credit accounts
  • Number of open credit accounts under your name
  • The length of your credit history

Because this number represents a great deal of information, companies administer a credit check to see whether or not extending a line of credit is a good idea.

When You Will Need to Run a Credit Check

To finance a car, take out a mortgage on your home or obtain a loan for college tuition are common reasons for needing to approach a lender. The bank or financial institute will use one of these credit score estimators to make a decision regarding the loan. Companies also check credit scores when determining how high or low to set interest rates. So before you set up an appointment, consider getting your credit report first. Credit checks also affect other aspects of life in California, from rental credit checks to employer credit checks influencing where you work. For aspiring entrepreneurs, business credit scores are so important that they can affect the longevity of your company, or even its beginnings.

What is a good credit score?

There are five elements that determine credit score ratings:

  • Age and types of accounts on credit report
  • History of debt payments
  • Length of credit history
  • Overall amount of debt owed
  • Number of recent credit score checks

The credit score scale ranges from 300 to 850. In general, a California consumer with good credit will have a credit score above 687.

Can a Prepaid Debit Card Really Help Me Build Credit? #kredit

#prepaid credit cards to build credit

Can a Prepaid Debit Card Really Help Me Build Credit?

The answer is no… but also yes! Confused? Read on.

Prepaid Debit: How it Works

A prepaid debit card alone cannot help you build or rebuild credit because no credit has actually been extended. In other words, you’re not borrowing any money from your debit card. Unlike a credit card, you need to put money on a prepaid debit card before you can start spending. For instance, if you load $50 on your debit card, the most you can spend is $50 (less any maintenance fees charged by your card issuer). Sounds just like a checking account right? The rules are basically the same, but there are some added benefits I will discuss later.

Where Credit Differs

In order to build good credit. you need to show you can borrow money and responsibly pay it back. The act of paying back money you owe will help build solid credit history, which will then be reflected in a higher credit score. Your credit history and credit score is not only what will help creditors decide whether to approve you for a loan or new credit cards, but it will also determine how much they charge you in interest.

Building Credit With Debit

So then, why do some prepaid debit cards claim they can help you build credit if you’re not borrowing any money? The reason is because debit card issuers often allow you to enroll in a special program designed to help people with no credit or with damaged credit build positive credit history. A common type of program used by debit card issuers extends a small amount of credit to the debit card holder and requires payments in monthly installments over a specified period of time. The cool thing about these programs is that the monthly payments can be automatically taken out of your account so the work you have to do to build positive credit history is quite minimal. And since you are making regular payments on credit that has been extended to you through this special program, the debit card issuer will then report the payment activity to the three major credit bureaus and voila – you’re building positive credit history!

Recommended Credit Building Programs

A great example of a free credit building program available through a debit card is the one offered by AccountNow®. When you sign up for an AccountNow® Prepaid Visa® or MasterCard®, you can enroll in a free service that reports your bill payment history to a national credit reporting agency, PRBC®. After enrolling, you can start building or reestablishing your credit history debt-free simply by paying your bills on time! blockquote Updated March 15, 2010: For a limited time, AccountNow® is offering a $25 bonus to new customers who sign up for direct deposit! /blockquote Find more details on the AccountNow®, Prepaid Visa®, or MasterCard® Prepaid Cards visit our prepaid debit card section or check out our credit card guide .

Can Credit Card Companies Garnish My Wages? #free #credit #card #report

#credit companies

Can Credit Card Companies Garnish My Wages?

A credit card companies can garnish your wages if it gets a judgment against you. Learn how to avoid this.

Credit card companies may garnish (take) your wages just like most other creditors. However, in order to take part of your paycheck, the credit card company must first sue you in court and obtain a judgment. There are steps you can take to avoid a wage garnishment if you are delinquent in your credit card payments.

Learn when credit card companies or debt collectors can garnish your wages to collect on delinquent credit card debt, and what you can do to protect your paycheck.

Delinquent Credit Card Debt

When you get a credit card, you physically or electronically sign an agreement to make monthly payments. This agreement constitutes a legal contract. When you fail to make these payments on a timely basis, you breach this contract. The credit card company has various options to try to collect the debt. One of those is to sue you and garnish your wages.

Beware of interest, late fees, and penalties. When you stop paying on your credit card, the debt begins to mount. Unlike most other debts, credit card debts build up quickly when you default on the underlying agreement. The agreement you signed no doubt includes excessive late fee and penalties when you miss a payment. Those amounts get added to your principle balance and the credit card company reassesses the interest rate on the total sum owed. What was once a $10,000 debt can easily balloon into a $25,000 debt.

When Credit Card Companies Can Garnish Your Wages

Credit card companies cannot garnish your wages without first suing you in court and getting a judgment. That means that if you are behind in your payments, the company or debt collector cannot start a wage attachment unless you agree in writing to the garnishment.

In order to get to your wages, the credit card company must file a lawsuit, obtain a judgment, and then send the wage garnishment documents to your employer. State law requires your employee to comply with those documents or else face court sanctions. To learn more about how this works, see Nolo’s Lawsuits for Credit Card Debt .

Major credit card companies often sell your delinquent credit card debt to debt collectors. Debt collectors buy the debt for a fraction of what you actually owe. Debt collectors then try to collect the debt by getting you make voluntary payments over the phone, Internet, or through the mail. The debt collector can also sue you in court. If it gets a judgment, it too can attach your wages.

How to Protect Your Wages From Credit Card Issuers

If you are in danger of having your wages garnished by a credit card company or debt collector, there are steps you can take to avoid garnishment of your paycheck.

Settle the debt.

Often times the credit card company is willing to accept a settlement in lieu of going through the courts to garnish your wages. This allows you to avoid a lawsuit and wage garnishment. To learn more, see the articles in Managing Credit Card Debt. )

Review state exemptions.

In some circumstances, states allow you to protect a portion of your wages – these are called exemptions. When you receive the wage garnishment notice, find out if your state’s laws allow you protect a portion of your wages. You can file a document in state court claiming the exemption and the judge will decide whether it is valid or not. You can learn more about claiming an exemption in Nolo’s Wage Garnishment Attachments area.

File for bankruptcy.

Bankruptcy immediately stops garnishment of your wages for a credit card debt. However, filing for bankruptcy affects many aspects of your life and should not be taken lightly. In many cases, you should not file solely to stop a garnishment. To learn more, see our Credit Card Debt Bankruptcy area.

Can I get a home loan with a 575 credit score and a discharged bankruptcy (about 2 yrs old) on my record? Willing to put 10 to 15% down – Trulia Voices #free #credit #report #score

#how can i get a free credit score

Can I get a home loan with a 575 credit score and a discharged bankruptcy (about 2 yrs old) on my record? Willing to put 10 to 15% down



Trevor Curran. Mortgage Broker Or Lender, Great Neck, NY

We see many credit reports with low credit scores (anything less than 620), and often many scores in the 500 s. This is BAD credit. If you are one of the folks affected by this terrible economy, you have a low credit score and you have a dream of buying a home, here s some simple advice for you.

It is unlikely you could be approved for mortgage financing with that credit score at this time.

Beware of any mortgage professionals promising you an approval with such a low score. Wait on buying a home. I recommend you take the time to resolve your credit issues.

First, settle any outstanding debt. If you owe money on collection accounts, charge-offs and/or judgments, make payment arrangements and get these accounts paid promptly.

Next, begin rebuilding your credit. If you have current accounts with good payment histories, or even some previous late-payment-blemishes, make sure you continue to pay those accounts on time. If you do not have any existing credit accounts then you ll need to establish several in order to create a viable credit history.

I have found that CONSUMER ACTION is an excellent resource for objective advice on all things credit related. You ll find free and sincere advice on everything from settling collection accounts to rebuilding credit to building credit from scratch on their website.

Beware of anyone offering to repair your credit! The Federal Trade Commission issued a stern warning last year that such offers are scams. Find more from the FTC HERE.

The best way to buy a home is to have a decent credit history combined with sufficient Income and Assets for a home purchase.

The best way to have a decent credit history is to settle negative outstanding obligations and pay all your bills on time for at least two years.

Trevor Curran

NMLS #40140

*If you thought my answer was helpful, please give me a “Thumbs Up” or “Best Answer.” Thanks!

0 votes Thank Flag Link Mon Dec 2, 2013

5 Best Cash Back Credit Cards #credit #report

#best credit card

5 Best Cash Back Credit Cards

Wise Bread Picks

Many people prefer cash back rewards to other credit card perks such as frequent flyer miles. Cash has the advantage of being simple to understand and universally accepted. Unlike points and miles, cash can earn interest when unused and are not subject to the constantly changing terms and conditions of corporate loyalty programs. (See also: How Cash Rewards Credit Cards Really Work )

My family is a perfect example of how you can use credit cards to receive cash back. Using our cards for day-to-day purchases, we may spend as much as $2,500 with them each month. When we are not looking for travel rewards. we use a card that returns 2% on all purchases in order to earn an additional $50 a month in cash back. That equals a return of $600 each year that we can add to our discretionary spending or apply to our savings.

Just one word of caution cash back credit cards should only be used by people who can pay their credit card balances in full and on time. To do otherwise virtually ensures that you will owe more in interest and penalties than you will ever receive as cash back.

The Top 5 Credit Cards Featuring Cash Back Rewards

Once you have decided to earn credit card rewards in the form of cash back, you should definitely consider my favorite cash back rewards cards.

Discover it – New! Double Cash Back your first year

Discover it offers 5% cash back in categories that change each quarter up to the quarterly maximum when you sign up, plus 1% cash back on all other purchases. As an exclusive offer to new cardmembers, Discover will double all the cash back you’ve earned at the end of your first year automatically. Besides being a great cash rewards credit card, it offers free monthly FICO credit scores on statements and online. Their new Freeze It SM on/off switch allows you to prevent new purchases, cash advances and balance transfers in seconds by mobile app or online. There is no annual fee.

As a sign-up bonus, you can get 0% intro APR for 6 months on purchases and 18 months on balance transfers. The 18 months 0% APR for balance transfers is one of the highest offers available. Then a variable purchase APR applies (currently 10.99% – 22.99%). A 3% fee applies to each transferred balance.

Click here to apply for the Discover it Card

Citi Double Cash Card

The Citi Double Cash Card from our partner Citi stands out from other credit cards offering cash back rewards in that you earn cash back not once, but twice on every purchase. You get 1% cash back when you buy, plus another 1% cash back as you pay for those purchases. No need to wait until you pay off a purchase to earn the additional cash back you’ll get it whether you can pay in full or over time, as long as you pay at least the minimum amount due. Unlike many other cards, the Double Cash card has no category restrictions, no enrollments in rotating categories, and no limits on the amount of cash back that you earn. There’s no annual fee, either.

There is a 0% Intro APR on Balance Transfers and Purchases for 15 months. After that, the variable APR will be 12.99%-22.99%, based on your creditworthiness

Click here to apply for the Citi Double Cash Card today!

Capital One Quicksilver Cash Rewards Credit Card

Don’t want to bother with rotating quarterly categories? The Capital One Quicksilver Cash Rewards Card will get you 1.5% cash back on all purchases. There is no limit to the amount of cash you can earn, and no minimums to redeem the cash back. The cash back doesn’t expire, either! You can get cash back in the form of an account credit, check, or gift card. There is no annual fee.

There is currently a sign up offer of $100 cash bonus after you spend $500 on purchases within the first 3 months. There is also a 0% intro APR on purchases and balance transfers until July 2016. (After the promotional period, there is a 12.9%-22.9% variable APR; a 3% fee applies to each balance transferred.) This card comes with the Capital One Credit Tracker, which allows you to easily monitor your monthly credit score anytime, anywhere for free! Plus, you get 20% statement credit on all Uber rides purchased with this card through April 2016.

Click here to apply for the Capital One Quicksilver Cash Rewards Card

Blue Cash Preferred Card from American Express

The Blue Cash Preferred card offers the highest cash back you can get for groceries. Get 6% cash back at US supermarkets (up to $6,000 per year in purchases), 3% at U.S. gas stations and select U.S. department stores, and 1% on other purchases. Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit. There is a $75 annual fee.

As a sign-up offer. you can get $150 back in the form of statement credit after you make $1,000 in purchases with your new card in the first three months. You also get 0% APR on purchases and balance transfers for the first 15 months. After that, your APR will be a variable rate, currently 12.99%-21.99%, based on your creditworthiness and other factors. Terms and limitations apply.

Click here to apply for the Blue Cash Preferred Card from American Express today!

Upromise World MasterCard

Upromise World MasterCard offers several ways to earn cash back. Get 5% cash back on eligible online shopping through their portal, 4% at thousands of participating Upromise Dining Restaurants, up to 3% cash back on eligible gas purchases from Exxon or Mobil, 2% cash back at movie theaters, and 1% on everything else. There are no caps. You also have various options on cashing out your rewards — contributing to a Upromise 529 College Savings plan, depositing to a Sallie Mae High-Yield Savings Account, making a payment towards a Sallie Mae services loan, or redeeming a check. There is no annual fee.

As a sign-up bonus, you can get $25 cash back with your first purchase, and a 0% APR on balance transfers and purchases for the first 12 months.

Within the credit card industry, the term “deadbeat” is used as slang to describe customers who always pay their balances in full and on time. These customers don’t provide the banks with any profits from interest payments or late fees, but they are still valued customers due to the merchant fees their spending generates and their impeccable payment history. If you are a proud member of this group, and you have no interest in travel rewards, you should be using one of these cards that offer the maximum cash back for your spending.

Back to the Credit Card Guide

Editorial Note: Any opinions, analyses, reviews or recommendations expressed in this article are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by any bank, card issuer, airline or hotel chain.

Can You Build Credit Without Social Security Number? #credit #reports

#check my credit score

Build credit without Social Security number?

Dear Credit Card Adviser,

My son and his family recently moved to the U.S. after living abroad for 11 years. His wife does not have a Social Security number. Can she qualify for a credit card? Are there other actions she can take to boost her credit history?

More On Credit:

“credit cards”

American Express accepts several forms of identification: Social Security, taxpayer ID, a foreign driver’s license or a foreign-issued passport. Citi doesn’t require a Social Security number, but applicants who don’t have one may be asked to show a government-issued ID at the closest Citi bank branch.

Your daughter-in-law also can be added as an authorized user on many credit cards without an SSN.

Now, let’s look at her credit history. Unfortunately, your daughter-in-law’s foreign credit history can’t be transferred to the U.S. But she can start building one here even though she doesn’t have a Social Security number. It’s best to have one, though, to ensure her credit information is recorded accurately, says Maxine Sweet, vice president of public education at Experian.

“Name and current address are the minimum requirement, but we strongly encourage the lender to provide the SSN, date of birth and previous address if it was within the last two years,” she says. “That additional information can be very important in helping us match the account to the correct consumer.”

TransUnion also builds credit histories on individuals without a Social Security number. Equifax didn’t respond to emails asking about their minimum identification requirements for a credit report.

Getting a Social Security number isn’t easy. Generally, only immigrants OK’d to work in the country by the Department of Homeland Security qualify for an SSN, according to the Social Security Administration website. There are exceptions, so contact the agency for more information.

Listen to audio

You can “party in the USA” but not before building up your credit score.

If you’ve just moved to the U.S. you’ll find that having a line of credit is required for quite a few essential transactions. Depending on the creditor, you may need a Social Security number to apply. Creditors like Capitol One and Chase require this number on their credit card applications, while Discover and Bank of America will also accept a taxpayer ID number, issued by the Internal Revenue Service. If applying with American Express you can get by with a foreign driver’s license, or a foreign passport.

Unfortunately, any foreign credit history you have can’t be transferred to the U.S. So, to start building credit, use the same method young adults do: Secured credit cards! Secured cards require an upfront deposit, usually around $500, to act as the credit limit. It will take at least six months’ of credit activity for you to receive a FICO credit score. Keeping your credit history clean will help you achieve your American dream, whatever that may be.

Now, here’s a potential problem you probably didn’t anticipate: Your son may have a hard time getting a credit card. too. If your son didn’t maintain any open or active U.S.-based credit — such as a mortgage, credit card or other loan — while he was abroad, a lender probably won’t be able to pull his credit score. He may not even have a U.S. credit file anymore.

A U.S. credit report from Experian, Equifax and TransUnion is based on payment history on mortgages, car loans, student loans, personal loans, credit cards and other loans he got here. If he doesn’t have any activity on these types of accounts in the past year or so, his credit report has gone stale, says John Ulzheimer, president of consumer education at

“At that point, the credit report will cease to be scoreable under any credit score criteria,” he explains. Credit scoring models need recent activity to calculate a credit score. No activity, no credit score. No credit score, no new credit in most cases.

That’s not all. The credit reporting agencies don’t maintain credit files indefinitely. By law, negative credit information must fall off credit reports after seven years. Bankruptcies disappear after 10 years. Sounds good, right? But Ulzheimer says credit reporting agencies will eventually drop the good stuff, too. After 11 years, your son’s credit history may have vanished.

Your son should see if he has a credit report. If he does, he should give it a thorough read and make sure there aren’t any errors. He can pull his credit reports from each of the bureaus for free once every 12 months at If he finds he has little or no credit history, he will need to start building credit again the same way a young adult does: through a secured credit card or as an authorized user.

Secured credit cards require an upfront deposit to act as collateral against the line of credit. The deposit equals the credit limit, and it’s placed in a money market account or certificate of deposit while the account is open. Typical deposits run between $300 and $500. The problem is that you need at least six months’ worth of activity on the card before a FICO credit score — the most widely used score out there — can be created.

This is where you, as a parent, can help out, if you have good credit history. Adding your son (and daughter-in-law) as an authorized user on a credit card (or two) will immediately populate his credit file with the card’s payment history. That means he’ll have a calculable credit score, too. He’ll be able to apply for credit in his own name and build from there. Good luck to the whole family!

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Ask the adviser

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No Credit Check #secure #credit #card

#no credit check credit cards

No Credit Check

We don’t know why you’re interested in articles about services for people who don’t want to go through a credit check. We think that’s your business. We do understand that people have made mistakes, and we don’t think people should suffer for them. So we’ve provided resources and articles for people interested in going through life with no credit check. Enjoy.

One piece of advice warrants mentioning right here on the home page, and it applies to just about every page of our site. Pay cash for anything you can.

The best way to go through life without having to get a credit check is to be debt-free and frugal.

We do provide information about getting loans, financing, and credit cards even if you have bad credit or no credit, but your first route should almost always be to cut back on your spending.

Some of the subjects we cover on this site include how to rent a car without a credit card, how to get student loans without a credit check, and what to do about a mortgage or a home loan if you have iffy credit.

We also include information about buying cars at used car lots, finding signature loans, and even getting satellite television without credit checks.

Unsecured Loans – Apply Online NOW – Instant Decision – Bad Credit OK! #usbank #credit #card

#unsecured credit cards for bad credit

Your pending fees, creditors, and running costs are probably slamming hard at your doorway? You possess a rented house and no automobile? Well before all those deficits knock you off, take a deeper breath and slow down. Unsecured Loans are just for you. They are the financial loans that could be borrowed with no need of mortgaging and without pledging any kind of collateral to the loan service. Then, it can come as an assistance to you where you may be provided with advances even if you hold no collateral.

While there is no guarantee with the loan company, it gets to be a bit more risky for the finance company and therefore the amount of interest fees considering the unsecured loans is quite higher. But this anxiety can be avoided, as you re being assigned with these financing options at competitive charges by bringing the buyers and the lenders together at one place. The financial loan is decided on the foundation of one s own income as a way to facilitate you to refund the advance at a certain time.

Your advance could get approved:

• On the premise of a person s income data files

• Amount of the cash advance between $1000-$25000

• The payment in most instances is between six months to ten years.

• Borrowing products can be availed also by the consumer with a poor credit scores, because of:

Defaults and so forth.

Get unsecured loans on easy conditions for just about any intention which may include big event, buying of new automobile, debt consolidation, christmas break or college.

Attain the loan suited to your budget by completing a fairly easy online application and you will be given a free estimate for unsecured loans. Since these loans do not ask for any security and are actually available against your salary, it just becomes evident that all those borrowing options are available to you for a smaller time period if you contrast them with secured loans.

5 Cheap Payment Processors to Help You Take Credit Card Payments #black #credit #card

#cheapest credit cards

5 Cheap Payment Processors to Help You Take Credit Card Payments

Business owners can expand their horizons by accepting credit cards. Credit cards may be accepted in a store front or on a website or blog. Many blogs charge companies to place a link (even if it’s within the copy) on the blog, and other blogs simply need to accept payments for services they provide. Here are five cheap payment processors for in-store payment processing and online payment processing curated by some of my favorite folks at, a UK based website designed to provide help in choosing a card based on your personal circumstances.

1. is an affordable payment processor which is commonly used for retail stores, restaurants and of course Internet businesses. The company offers low rates and dependable service. works with processing banks to negotiate the best possible rates available. There is no risk to sign up for, and clients can cancel at any time without any penalty.

Rates: The discount rate is 2.04 percent, and the per-transaction fee is $0.24. These fees are some of the lowest in the industry. The set-up fee, license fee and application fee are free. The annual fee and the check-by-phone fee are also free.

2.    Flagship Merchant Services

Flagship Merchant Services is affordable and reputable. The company has been recognized by numerous authority publications in the industry. Customers are not required to sign a lengthy contract. Most merchants sign up for a month-to-month service. Clients have nothing to lose by trying the service because there is no termination fee associated with the account.

The account can be canceled if the business suffers financial difficulty or if business owners prefer another credit card processor. This particular payment processor does not have a specific mobile application nor can it accept international credit cards.

Rates: Rates start from 0.38 percent.

3.    iTransact

iTransact is one of the most affordable credit payment processors. Business owners can use the Perl-based shopping cart called RediCart. RediCart is designed to accept credit cards, EFT payments and checks.

Only three small PERL scripts are required to install this cheap payment processor on the website. The header and footer HTML pages are included for quick set up. Cart contents can be tracked with the customer’s IP address.

Rates: There are not any per-transaction or usage fees associated with this payment processor. All payments can be processed through a SSL server. The application is available free of charge.

4.    National Bankcard

National Bankcard is another reputable payment processor in the United States. The tool accepts credit and debit cards from customers. The company has an A+ rating with the Better Business Bureau and is known for providing exceptional service. Currently, the company serves retail stores, ecommerce businesses, restaurants and other industries also.

Rates: Rates range from zero percent to $0.25. The services can be obtained without paying a setup fee.

5.    Merchant Express

Merchant Express is accredited by the Better Business Bureau (BBB) and is one of the top-rated credit card processing companies. This company offers numerous solutions for its customers. Both wireless and phone processing are available. Point-of-sale terminals are also offered by this company. Clients have nothing to lose by trying Merchant Express. The company offers a 30-day risk free trial.

Rates: Merchant Express rates are significantly below industry average. For instance, the retail account rates are 1.69 percent, and the retail transaction fee is $0.19. There is no annual fee, no application fee, no setup fee, no programming fee, no monthly maintenance fee, no transaction fee, no shopping cart fee or no overlimit fee.

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Car Finance Bad Credit #a #credit #score #is

#poor credit car finance

Car finance bad credit

Car finance bad credit is here to help. Are you in a situation where you fear walking into  car dealerships, spending hours looking at cars and when you make your ultimate decision you hear the dreaded words, sorry, your loan has not been approved . And that s only the start! You then need to consider attempting other car dealerships only to be told the same thing, and each time these claims for credit are being recorded in your credit history.


So, if you are concerned about your credit history after a period of misfortune then perhaps it s time to look at the options for obtaining car finance without accumulating more negative ratings on your credit history. Things are looking up already, regardless how many times you ve had a go at getting car finance, you ve just stumbled on the site who have helped countless number of drivers get behind in the drivers seat after a quick and easy approval process. Read more about car finance bad credit here


–  Craig, Manchester:

I ve gotten a some credit problems after my business went bust in 2009 but car finance bad credit managed to get me a great deal with a very fair credit limit. That allowed to finally get my the vehicle I wished to have. The approval period was quite short. I needed to wait 3 hours. Well, it was actually awesome. I would like to thank James and Euan for their customer service. They know well what they do. I have been always updated on time. I have no reason not to recommend. Every time when I drive my lovely car, I am thankful for the staff and its service. Keep going, guys!  

– Christina, Edinburgh:

Car finance Bad Credit made my dream come true. Thank you James, you were awesome. I received  great customer service and I have been assisted by him through the entire application process. Within 4 days, I had my Mini

More on Bad Credit Car Finance there are many companies that offer this solution, but choosing one you can trust is really important that you get the facts first.

We focus on results and your ability to pay.  Find out more on the link above where it says bad credit car finance .

Canada gets a new credit bureau #mortgages #for #bad #credit

#credit bureau canada

Canada gets a new credit bureau

By all appearances, most Canadians greeted, with a big yawn, the announcement that Experian, a global provider of consumer credit information to businesses, has decided to expand operations here. News editors played down the story and those who did report it gave it low priority.

But, although credit bureaus often operate below the radar, they play a huge role in facilitating the financial dealings of millions of Canadians. So, it’s worth paying attention when a new player enters the fray, as Experian did several weeks ago, when it acquired the Canadian operations of Northern Credit Bureau.

Like its primary competitors Equifax and TransUnion, Experian helps lenders make more informed and reliable credit decisions by providing them with information about the personal finances of the millions of consumers whose profiles are maintained in the company’s databases. The relatively open market for this type of information is a big reason that consumers can get pre-qualified for credit products ranging from an online loan to an on-the-spot car lease, seemingly without much verification being done.

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Big opportunities from expanded borrowing

According to one of its key executives, Experian sees significant opportunities in the Canadian market. Consumer borrowing levels have increased substantially in recent years, says Hiq Lee, the company’s executive vice-president of credit information systems. With total consumer debt now exceeding total personal disposable income, financial institutions, credit grantors and retailers need better alternatives for data and tools to manage their businesses.

Experian already had a foothold here through its Experian-Scorex subsidiary, which provides scoring and software tools to Canadian lenders. However, the Northern Credit Bureau acquisition, which brings to 13 the number of countries in which Experian operates a consumer credit bureau, gives it a solid base from which to build its domestic credit reporting business.

Not surprisingly, the increased globalization of consumer and financial markets is a big reason for the London Stock Exchange-listed company’s move into Canada. Our international customers were asking us to provide them with services throughout a number of countries and Canada appeared to be a good fit, says Tony Canapini, Experian Canada’s country manager.

Like all of Canada’s major credit bureaus, Experian, which collects credit information about consumers from businesses and then resells it to clients ranging from retailers to financial services organizations, generally operates below the radar of most consumers. But according to Canapini, the company’s move into Canada will be good for consumers.

Although consumer borrowing levels have gone up here in Canada, debt isn’t necessarily a bad thing. It is if it’s managed poorly, however, smart borrowing can give consumers access to products which they would otherwise have to wait a long time for, says Canapini.

Does Canada really need another credit bureau?

According to one consumer-affairs activist, it remains unclear as to what advantages the entry of a new player into the Canadian market will bring. Do we really need another credit bureau here? asks Jannick Desforges, a lawyer with Quebec-based Option Consommateur. Credit usage is already fairly widespread. In fact, many consumers have borrowed too much. Is it really a good thing to make it easier for people to borrow more?

Desforges is also unimpressed with the credit bureaus’ claims that they are striving for better accuracy. Numerous studies ranging from those by Consumer Reports in the United States to Prot gez-Vous here in Quebec show that errors are widespread in the information collected by credit bureaus, he says.

We are already telling consumers, particularly those who are having trouble with their credit planning, that they are entitled to a free copy of their credit report and they should request a copy from all of the bureaus each year, says Desforges. However, if there is another player in the Canadian market, consumers will have to keep track of three credit reports instead of just two.

This would probably suit credit bureaus just fine. Both Equifax and TransUnion sell services that enable consumers to monitor changes in their own credit profiles for a monthly fee. Experian offers a similar product to its U.S. customers and is thinking about making the services available to Canadians too.

The bottom line is that although Canadians as group tend not to focus too much on the operations of credit bureaus, there is a lot going on beneath the surface. Credit bureaus clearly bring a lot to the table in terms of speeding the granting of loans, which in turn speeds economic growth.

Yet, for many consumers, especially the increasing number of those who are loading up on debt, it remains unclear whether the benefits exceed the costs. As a result, at a bare minimum, keeping abreast of industry developments is more than worthwhile.

Peter Diekmeyer is a freelance business and economics writer.

— Posted: Nov. 20, 2006

Capital One Credit Cards, Bank, and Loans – Personal and Business #credit #check #canada #free

#capital 1 credit card


Please enter your five-digit ZIP Code

Attention Homeowners:

Banking, Credit Card, Auto Finance, and Home Loan products and services are offered by the Capital One family of companies, including Capital One Bank (USA), N.A. and Capital One, N.A. NMLS ID 453156, Members FDIC .

All entities are separate but affiliated legal entities of Capital One Financial Corporation, each is responsible for its own products and services.

Securities are offered by Capital One Investing, LLC, a registered broker-dealer and Member FINRA /SIPC. Advisory services are provided by Capital One Advisors, LLC, an SEC-registered investment advisor. Insurance products are offered through Capital One Agency LLC. All are subsidiaries of Capital One Financial Corporation.

Securities and services are: Not FDIC insured Not bank guaranteed May lose value Not a deposit Not insured by any federal government agency

Credit Tracker is currently not available to customers of our Spark or partner cards.

Capital One – Credit Tracker #3 #major #credit #bureaus

#capital 1 credit card

Credit Tracker Help

Your free Credit Tracker score from TransUnion is a good reference point for your current credit standing. This informational/educational score is not used for credit or lending decisions.

Starting with your first visit, your score is updated once per calendar month when you check the Credit Tracker site. Please note the “Next Update Available” date on the Credit Summary page.

Your Credit Tracker score is based on the TransUnion New Account Model. The model utilizes information in your TransUnion credit report, which may include your bill pay history, amount of available credit, number and age of open accounts, recent credit activity, etc. Credit Tracker provides an educational score courtesy of TransUnion, one of three nationwide credit bureaus, and uses only credit report information from the TransUnion database.

Businesses can pull your credit score from major credit bureaus in a number of situations including decisions about lending to you and at what rate. Businesses believe that how you’ve handled credit in the past predicts how you will handle credit in the future. Unlike the credit scores used by businesses, your Credit Tracker score is intended for consumer informational purposes only.

Generally, seven years, but some public records like Bankruptcy can stay on your report for 10 years.

No, Credit Tracker is only available to the primary cardholder.

For more information about your credit score or report and ways to improve your creditworthiness, you can visit: .

You can receive a free credit report once every 12 months from each of the three nationwide reporting agencies at .

Go to to access your full credit report. If you find errors, you should contact the credit bureau that reported your score and the creditor. Your full credit report will provide more details on how to dispute information you feel is incorrect.

Cancel credit expert #score #your #credit

#credit expert cancel

How to cancel credit expert, how to use it correctly in the first place and how to find better alternatives

I cancelled Credit Expert!

As most people will be aware, there are three credit agencies currently in the UK; Experian. Equifax and CallCredit. These agencies offer a range of services from supplying your statutory credit report to their more expensive services namely Credit Expert, Equifax Credit Score and Credit Compass respectively.

Whilst I have tried all of these services, I have found one particularly difficult to work with and hard to get out of – Credit Expert. (You can see in this press article I’m not the only one – here ). The main problems are that your account is set-up to be paid by CPA (continuous payment authority) and you have to phone a higher rate phone line to cancel – no online form, no email and no postal address.

This means that if you do nothing then money will be taken out of your account forevermore and if you phone the company you may well have to talk for quite some time at your cost to get out of the service.

So how do you cancel Credit Expert?

Well the best idea is to set up the account in the correct way initially, thereby saving you the hassle. If you go to this page on the excellent ‘Money Savings Expert’ ( here ) you’ll find links to some great pre-paid cards. If you get yourself one of these cards, but don’t actually leave any money on it, you’ll be able to sign up for services like Credit Expert without any risk of them taking any money from you. Of course, when they don’t get their money, they’ll call you and you’ll be able to cancel on their bill, not yours.

Alternatively, I have seen 0115 935 6662 and 0800 561 0083 listed as free (or local) rate alternatives to credit experts higher rate number – this number has been known to change though so I can’t guarantee it’ll work. Give it a try.

Let’s say that you’ve already signed up without a prepaid card and you want to find a way to cancel Credit Expert without having to go through the long and expensive phone call. Luckily, the EU has dictated that you can cancel any CPA by contacting your bank – you don’t have to even tell the supplier. Give them a call, or send them a secure message through your internet banking instructing them to cancel any CPA for Credit Expert. You’ll be happy to know that if your bank does pay them after you’ve informed them then they have to refund you.

Of course, some readers may be concerned that the monthly identity protection insurance that’s included may well be a great benefit that’s lost if you leave. This is not the case as this insurance typically covers the cost of sorting out the mess, not the amount of money that has been fraudulently taken. If you are the victim of fraud then the first thing you should do is contact ActionFraud on 0300 123 2040.

If you are using your credit report as a way of improving an already poor score then ask yourself why do you need to pay £7.99 per month to prevent fraud when any fraudster couldn’t get any more credit than you could?

What are the alternatives then?

The problem I have found with my credit report is that if I use Credit Expert I score 996 points – that’s just 4 from their maximum. If I use CallCredit however I score in the bottom 20%. How does that work? Initially it made me question whether I should use credit scores at all as there is such a significant discrepancy. Then it made me wonder if I could justify spending £45 per month signed up to all three agencies to make sure they were all improving.

In the end, I found which creates a credit score from all three agencies. It is simple, accurate, and should you wish to sign up to a paid service (I have), just £19.99 for three months. That’s 69% cheaper than Credit Expert over a year. What’s more, they’ll even let you sign up by direct debit so you can cancel at any time. I do love it when companies offer a great product in a sea of naff ones.

Either way, I hope this guide will show you how to cancel Credit Expert – there really are better options out there.

Car Title Loans #national #credit #report

#poor credit car loans

Title Loans with TitleBucks

If you have a bad credit history and need a fast and easy way to get some extra money, a car title loan with TitleBucks is a perfect option for you. Based on the value of your vehicle and your cash need, TitleBucks will work with you to determine the how much cash you can get – up to $10,000!* Your car is your credit and is used as your collateral, so it doesn’t matter if you have good credit, bad credit, or no credit at all, you can keep driving your car and turn your title into bucks with TitleBucks!

Getting a car title loan

TitleBucks has made the title loan process fast and easy!  To be approved for cash today, stop by any of our 150+ convenient locations or fill out our short online title loan application now. Be sure to bring the required items with you to ensure the process of getting your cash is short and simple: a clear (or lien-free) car title and a government-issued ID.**  Our friendly customer service reps are ready to help you get the TitleBucks title loan that you need.

Title Loan Benefits

  • All credit types accepted.
  • Simple and fast approval process.
  • Cash in hand in about 30 minutes.
  • Car insurance is not required.
  • Get cash on any make, any model, and any age vehicle.
  • You get to keep driving your car during the loan.
  • Easy monthly payments

* Maximum loan amount in Illinois is $4,000. Maximum loan amount in Tennessee is $2,500. Maximum loan amount in select Texas stores is $1,340.

** Proof of income is required in Illinois and South Carolina.

‡ Signature and personal loans are offered by an affiliate of TitleBucks and are currently only available in Georgia and Florida. Account approval requires satisfaction of all loan eligibility requirements, including a credit inquiry, and, if applicable, motor vehicle appraisal.

– TitleBucks of Virginia, Inc. d/b/a TitleBucks is licensed by the Virginia State Corporation Commission, license number VTL-37 .

– TMX Finance of Virginia, Inc. d/b/a TitleBucks Loans of Virginia is licensed by the Virginia State Corporation Commission.

– In some locations in Texas, TitleBucks will act as a Credit Services Organization to assist you in obtaining a loan. Your loan may be made by an unaffiliated third party Lender. Please see store associate for details. Please see Important Texas Disclosures .

– In GA, TitleBucks offers Title Pawns.

Anthem offers 2 years free credit monitoring, ID theft protectio – 13 WTHR Indianapolis #newegg #credit #card

Anthem offers 2 years free credit monitoring, ID theft protection

INDIANAPOLIS – Anthem is offering free credit monitoring and ID theft protection for customers affected by their recent data breach.

Hackers broke into an Anthem IT system in what may be the largest data breach at a health company, with up to 80 million affected. Those affected are currently covered or have received coverage from Anthem in the past. The information includes names, birthdays, social security numbers, street addresses, e-mail addresses and employment information, including income data, according to Kristin Binns, Anthem’s vice president of public relations.

  • VIDEO: Anthem data breach fallout (Your Money with Elaine Bedel)

Binns insisted no credit card, banking, or financial information was compromised, nor is there evidence that medical information like claims, test results or diagnostic codes were targeted or obtained.

Anthem has not yet determined exactly how many customers were affected. The server that hackers broke into contained the information of more than 80 million people, but it is possible not all of those were compromised.

The company is still compiling a list of potential victims and will start sending out letters soon.

Since the hack, some people are calling for tougher laws requiring tougher security measures.

The federal government is looking at new rules, But an Indianapolis attorney who handles intellectual property and cyber issues urged caution.

“There’s already a patchwork of state laws and most of the states have their own data security and security breach laws already,” said Jeff Kosc who specializes in information technology law. “And the proposed federal standard would actually be lower than some of the, So while you cover the gap to get to the states who don’t yet have something in place with respect to certain others it would actually lower the bar.”

He said it’s not just about big companies like Anthem.

Small and medium size businesses also have to toughen their cyber security, even if it means bringing in an outside expert.

Attorney General FAQ: What to do now?

Tom Gorup of Rook Security says customers should “absolutely” be concerned and continue to watch their credit score.

“This isn’t a one-year, two-year, or even five-year issue. This is a lifetime issue. Your social security number, your phone number, personal address. It’s all going to be available to these attackers for the duration that they decide to hold onto them,” Gorup said.

There are things Anthem customers can do to protect themselves.

“The credit watch that Anthem will be offering to those who have been compromised. Take advantage of that. In the meantime, you should be watching your credit score,” Gorup said.

He says it is going to take sweeping reform and more secure coding practices that hackers can’t get into to prevent future attacks.

Anthem has created a dedicated website with information for customers, AnthemFacts . The Indiana attorney general’s office is also offering a free credit freeze .

Car Loans #best #credit #report #site

#bad credit car loans

How To Make The Best Choices

Shopping for a Car

For most people, buying a car includes looking are many different makes and models, making a selection, negotiating the purchase price and financing that car or truck. The experience can be exciting, or it can be stressful. The excitement comes from finding the car or truck that’s right for you, with the features and style that match your needs and personality. From the test drive to the “new car” smell, even if it’s only a new car to you, this part of the shopping process can be the most enjoyable.

Then there’s the financing and price negotiation, dealer add-ons and mountains of paperwork. Since 1919 when General Motors Acceptance Corporation (GMAC) was founded to help sell GM cars, people have used loans to buy their cars. Financing might come from a bank, credit union or other direct lender, or it can be handled through the dealer. And if you finance through the dealer, more negotiation is required to get the most favorable deal. It’s easy to become impatient and frustrated; however, with proper planning and a good strategy, closing on a purchase can be stress-free.

How Much Should You Spend?

The first step of buying the right car, with the best auto loan, is coming up with a budget. Start by calculating the total amount available for the car. Many financial experts recommend that you spend no more than 20 percent of your annual income on this purchase. For example, if your annual take-home pay is $38,000, the total annual amount you should spend is $7,600 or $632 every month. Before maxing-out your budget, it’s important to note that this figure should include the cost of interest. insurance, sales tax, registration and other fees required at closing. If the insurance, tax and registration cost $200 per month, then the final monthly payment needs to be $432 or lower.

Additional costs include:

Once you determine an affordable monthly payment amount and down payment, you can start shopping for vehicles in your price range. Financial experts recommend a 20 percent down payment and a 4 year financing period, although your needs will likely be different. Our auto loan calculator can help you find these amounts.

Consumer Protection

Lenders are regulated by the Federal Trade Commission and have certain rules they must abide by. These laws are designed to protect consumers from unscrupulous practices and insure that financial transactions are understood before being entered into. Many states have stricter consumer protection laws as well.

Current Federal Laws

Auto Loan Basics

Like all loans, car loans come with a variety of terms and conditions that affect the minimum monthly payment and total amount of the loan. These terms and conditions include the length of the loan, interest rate and down payment amount.

Term Length

The term length is simply the amount of time required to pay back the loan. Some consider a four-year term ideal. while others choose longer periods. Most lenders offer standard 3 year (36 months), 4 year (48 month), 5 year (60 month) terms and 6 year (72 month) terms, although it is possible to find terms that extend for up to nine years.

Longer term lengths offer lower monthly payments, though usually at a higher interest rate. Shorter terms offer the lowest interest rates but monthly payments are higher.

Interest Rate

The interest rate is the key factor in determining the total cost of the loan. Rates are based on the credit-worthiness of an individual, which are reflected in the credit score and credit history. Current income, loan amounts and other variables are used in the approval process. Larger down payments can impact the loan amount and interest rate, as can the institution offering the loan. Consumers looking for the best rate should shop around to find the best rates.

Down Payment

The down payment is the amount of the purchase price that is paid up front. A 20 percent down payment is recommended, although not required. People with the best credit may qualify for 0 percent down payments offers.

Many consumers pay their down payment by using the trade-in value of their car or truck.

Car Loan Financing Options

Consumers have many options available when shopping for a car loan. Customers with good credit have more options than those with poor credit. If you do not know how your credit is, visit our credit report page and order your free credit report. The higher your credit score. the less you’ll pay in interest. If you have bad credit. options are still available.

Auto loans are secured loans. which means they are secured by collateral (in this case, the vehicle). If the loan is in default, the car, truck or other vehicle can be repossessed. Because of this, secured loans have lower interest rates than unsecured loans.

Financing Options

Dealer Financing. This option is available through the dealership and may include offers from both prime and subprime lenders. Many dealerships and automakers have their own lending institutions and sometimes have special financing rates for certain vehicles.

With dealer financing, loan applications are evaluated electronically through a credit report analysis. Loan applications are then offered to a variety of lenders who will make offers to buy that loan at a certain rate (buy rate). If the dealer is offering incentives, these will be factored in before the offer is made.

Dealer financing can be advantageous; however, if there are no buyer incentives or special offers, borrowers may find better rates from banks or credit unions. If your credit is subprime, subprime lender may be selected. Subprime loan can lower your credit score if a direct loan is available from a prime lender, it might be the better offer.

Direct Loans. Direct loans (also referred to as personal loans) are made directly to consumers by banks or lending institutions. Credit history and credit scores are considered for loan approval, but other factors are included as well. Banks that have relationships with their customers might be more flexible in the offers they extend to these customers.

Credit Unions. Direct loans are also offered through credit unions. The major difference between banks and credit unions is that credit unions almost always have lower interest rates (and fees) than banks, making their loans more favorable to borrowers. Credit unions occasionally offer special rates or partner with local dealerships to offer incentives for their members. Many credit unions are now open to the general public.

Navigating the Application Process


One way to save a great deal of frustration is with a pre-approval letter from a bank or credit union. This letter notifies the dealership that you’ve been pre-approved for a certain loan amount and you don’t require dealer financing. Not only does this take the pressure of dealing financing away, it gives you and the sales-person, a pre-determined price to work with.

The pre-approval process is the same as that for a regular loan, with the exception that the buyer has to provide the purchase details after signing.

Documents needed

Lenders will need the following documents and information to process a loan application:

  • Valid identification (State-issued driver’s license)
  • Proof of residence
  • Proof of income
  • Credit report
  • Current auto insurance
  • Vehicle information

For pre-approval letters, lenders ask for the type and style of vehicle you are shopping for. Detailed information about the car is required once the car is purchased.


After the car is chosen, the loan is agreed upon; various legal documents have to be signed. Reading and signing the papers may take as long as an hour, but when everything is completed, the keys are handed over and you get to drive the car home.

Cash advance with No Credit Check #credit #check #australia #free

#cash advance no credit check

We provide emergency cash payday loans and payroll advances to qualified borrowers. There are no credit checks and you can count on us to process your cash til payday loan quickly so you can get on with life!

Something unexpected can come up and really cramp your financial situation.

A payday loan can help you avoid costly bank charges and the NSF fees from everyone in the neighborhood if your checks bounce. A cash til payday loan or cash advance can help you protect your credit rating by avoiding missed payments. A cash advance just allow you to make necessary purchases if you run out of cash before the end of the month. We truly understand what can happen and are glad to help you out until your next paycheck arrives.

We re here to help you obtain a cash til payday advance through our sponsors and can have it in your checking account the very next business day.

Are you having problems getting approved for payday advance loans because of past credit problems? We specialize in assisting customers with bad credit and good credit get the unsecured personal loans they need, quickly and hassle free! Don’t let your past prevent you from getting the things you want in life!

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With just a few simple keystrokes you will obtain the cash you need in less than 24 hours!

We guarantee all your person information be kept confidential

911 Cash Til Payday utilizes the Thrawte secure service. Their encrypted servers are the most secure on the internet. You can rest assured that your information is safe going to 911 Cash Til Payday, and they will never resell your information or email addresses.

Card Options for Bad Credit #boeing #credit #union

#credit card for people with bad credit

Card Options for Bad Credit

Having a history of bad credit isn’t a good scenario. Yet, the majority of Americans are overburdened with credit debt and many carry the debt for several years. The debt may be in the form of credit card debt, a car loan, a student loan, or a mortgage. Regardless of the type of debt, most are dealing with an increasing amount of it every month.

If for some reason, someone is unable to repay these debts within a pre-determined period, he may find himself with a limited number of options for dealing with the problem. After all, not many lending institutions are willing to lend money to someone who has a dubious repayment history. But there are card options out there for people with poor credit or even outright bad credit.

Reasons for Falling Behind in Debt

In the majority of cases, people don’t fall behind with their debts on purpose. Instead, events occur during the life of an individual that may cause this. Unforeseeable events like a devastating natural disaster, for example, can ruin the long-term financial plans of a person or a family. Take the victims of Hurricane Katrina. What could they do after they lost all their property? It’s highly probable that only a few fortunate victims had adequate insurance coverage to cover the extensive damage, but what about the rest? Should they be condemned and tossed out of the credit system, unable to use credit until they have proven that they are credit worthy again?

Something like proving your worth after a terrible and unforeseen tragedy could take years, or even decades, to accomplish. Yet, it really doesn’t make sense to leave such a large group of people out of the credit circuit, particularly if they are truly willing to repay their debts.

Taking Advantage of Special Needs Credit Cards

Fortunately, this market niche is seen as a business opportunity by many financial institutions that are willing to invest in it. And this isn’t a small group of companies either. As a matter of fact, there are numerous financial institutions that are quite eager to offer credit to those who aren’t able to obtain it through the normal channels.

First PREMIER Bank’s Gold MasterCard

One such credit card product is the First PREMIER Gold MasterCard issued by First PREMIER Bank. This financial entity has won several awards during its existence. According to its advertisements, its sole purpose is to serve its clients – even in the hardest times. Although the card has a low APR and is perfect for individuals with a bad credit, it has several fees that are not commonly found in traditional credit cards. For example, there is a fee of $29 for setting up the account, another monthly fee of $6, and an annual fee of $48. All of these fees and charges are in place in order to help protect the bank because of the higher probability of repayment default on extending credit to those considered to be a much greater credit risk.

New Millennium Bank’s Platinum Visa or MasterCard

The motto of the New Millennium Bank is “. a new age in banking service,” and they are really doing whatever they can to make this possible. This community bank offers the Platinum Visa or MasterCard credit card, with an APR of 19.5%, an annual fee of $59, and several other side benefits – something that isn’t very common in the kind of market.

First Bank of Delaware’s Imagine Gold MasterCard

Finally, there is the Imagine Gold MasterCard. Issued by the First Bank of Delaware, this card is available with an APR of 19.5% and an annual fee of $150. They offer a guaranteed $300 credit line and make credit increases as you establish your repayment history over time.

These aren’t the only companies that are available in the market. There are several more out there that are willing to help an individual with poor credit. Although the previously mentioned ones are among the best, it is possible to obtain credit cards with similar benefits and possibly even lower fees and corresponding APR’s. Just take the time to shop around and be aware of your credit score so you can find the most suitable card for you and your needs.

Looking for more articles and general information on credit cards for bad credit? We’ve provided more articles, tips, advice and additional credit cards for bad credit resources below:

    Closer Look at the Eufora Prepaid Card – Eufora has earned a reputation as one of the pioneers in the prepaid credit card industry. Not surprisingly, the Eufora Prepaid Credit Card won the Top Rated Card for 2003 by Card only two years after it was introduced into the market. One of the main reasons the card won the prize was the fact that it offered three different types of benefits. Bankruptcy and Credit Cards – There are several different types of bankruptcy classifications for individuals and organizations. Each one is designed for specific cases and made for protecting determined persons or companies. But for some reason, many consumers still receive a flood of credit card offers from credit card companies even after filing for bankruptcy. How is that possible? Repair Your Credit Rating – Credit cards are the most accessible form of credit that one can obtain from a bank. But combining easy access with irresponsible credit card use can lead to a seriously damaged credit rating for consumers. If you have damaged your credit rating from credit card indiscretions, do not despair. There is life after credit woes.

No fee credit cards – No annual fee credit – Cheap credit deals! #free #online #credit #report

#no fee credit cards

Cheap Credit – No Annual Fee Card is an independent, advertising-supported web site which is compensated by the credit card issuers whose offers appear on the site. This compensation may impacts how and where the credit products appear on our site, including, the order in which they may appear within credit product lists. does not review or offer all available credit products.

Review an array of credit cards with no fees available and apply online.

When will you be free

Credit Card’s APR, %

An annual fee is generally charged for simply having a card. This fee can be billed on monthly or yearly basis. If your score is near to perfect, you will face no difficulties when searching for no fee deals. Major US issuers offer a great number of no fee applications to reliable borrowers. But if you’ve got limited credit, to find a no fee deal can be a challenge for you.

No annual fee applications provide a great way to get cheap credit and save money each year. Now that there’s a severe competition among banks and companies, online deals with no annual fee are quite common. Even borrowers whose score rating is not that favorable can find no annual fee offers for their needs. If you are a disciplined customer and pay the whole amount of balance in full each month, then a no fee credit deal will bring you the most benefits.

Take your time to review top no fee online deals, and you will see that the absence of a fixed annual fee is not the only benefit of these cards. All advantageous credit applications come with no yearly fee, including top rated balance transfers, deals with exclusive rewards schemes, low APR offers, and others. Plus, most no fee deals offer valuable additional benefits to their holders, such as car rental insurance, warranty coverage, travel accident insurance, not to mention zero liability protection against unauthorized charges and generous rebates on popular items.

Among the no fee applications, you can also find deals with a 0% APR and low ongoing interest rates on purchases or balance transfers or on both. These online offers give a great chance to customers with an excellent score rating to save a fortune when making new purchases or transferring their balances onto new low interest rate cards. Reduce your expenses and boost your savings with no fee credit offers!

When choosing the right credit card application for your financial needs, it makes sense to compare the deals on offer. It is estimated that those borrowers, who make a comparison when reviewing the offers, save a lot of money on interest, as they choose the most beneficial online applications for their financial needs. Compare the no annual fee deals and make your choice! Apply for the card with which you will forget about fixed yearly charges!

Before submitting your online application, make sure you can qualify for no fee deal you have chosen. For this, you need to know your FICO score. If your rating is high, the chances are you will be approved within seconds. Review top no annual fee deals and apply online!

CBC News – Moody s downgrades 6 Canadian banks #credit #cards #no #credit

#credit rating canada


Related Stories

Moody’s Investors Service has downgraded the long-term credit ratings of six Canadian banks, including Toronto-Dominion, Bank of Nova Scotia, Bank of Montreal and CIBC. National Bank and Desjardins were also downgraded.

“High levels of consumer indebtedness and elevated housing prices leave Canadian banks more vulnerable than in the past to downside risks the Canadian economy faces,” David Beattie, vice-president at Moody’s said in a note.

Canadian consumer debt has risen to a record-high 165 per cent of disposable income in the third quarter of 2012, up from 137 per cent in mid-2007. Bank of Canada governor Mark Carney has repeatedly warned about these levels, but they remain stubbornly high.

Canadian banks ‘soundest in the world’

Finance Minister Jim Flaherty was quick to reiterate his confidence in Canada’s banking system.

“For five years in a row, the World Economic Forum has ranked Canada’s banking system as the soundest in the world,” Flaherty said in a statement, adding that even after the downgrades, “Moody’s rating of Canadian banks continues to be among the highest in the world.”

TD, Canada’s second-largest bank by market capitalization, had its pristine top-level Aaa rating dropped to Aa1, while Bank of Nova Scotia and Desjardins were dropped from Aa1 to Aa2. BMO, CIBC, and National Bank of Canada were dropped from Aa2 to Aa3. The outlook for all six banks remains stable, and their short-term credit ratings were re-affirmed.

Royal Bank of Canada, Canada’s largest bank, was the only one of the Big Six banks to be unaffected by the downgrade.

The downgrades echo those made by S P in December, which lowered its ratings for six Canadian banks including Bank of Nova Scotia and National Bank.

Cheap Credit Report: 3 Places To Get A Free Report And Score #get #credit #scores

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Cheap Credit Report: 3 Websites You Can Get Free Credit Reports And Scores

Recently I ve been searching around the net for ways to get a cheap credit score and report.   After doing all of the research, I came up with three possible sites which give you your credit report for cheap and in some cases, your score for free as well.

Before I get started though I should mention that although these sites may mention your score and report, they  don t represent your real number but a close approximation.   Your real score is kept by the Fair Isaac Corporation, or FICO.  These sites are just a great place to get a cheap credit report online.

The cost for getting your score will be around $8 each.  By law, you are allowed to receive your free reports every 12 months but the score isn t included.  Also, if you want to view each report you will have to jump through a few extra hoops and sign up for each credit bureau.

With Quizzle it s altogether different.  Unlike the last site, Quizzle only requires you to sign up one time and you are done.  With Quizzle you get a lot more than just a report.

First, you get your credit report and score.  However, the score is only based on one of the three reporting companies, Experian.  In fact, Quizzle gave me a higher credit rating than of the other two.

Finally, best thing about Quizzle is that it tracks more than just your credit score and report. It also tracks your home value, helps with your mortgage options, helps with budgeting, and also helps you set up an emergency fund or in Quizzle s terms, a Rainy Day Fund.

As you can see there are many advantages to using Quizzle.

First off,  you will be able to see your cheap credit reports, and in this report I noticed my score was different than my Quizzle score but not too far off.  In fact, Credit Karma will give you a snapshot of you score and show you even where you fit in as the national percentile, your local percentiles, age percentiles, and by your email address.  For me I was in the top 75% percentile on the national average.  Pretty cool.

Lastly, the thing I like best about Credit Karma is the Credit Score Simulator.  Here you will be able to test ideas on your credit score such as if you were to buy a new car.  How would that affect your score?  Or if you would refinance your home, how would that affect your score?

You can test a ton of ideas here, everything from going through bankruptcy, to collections, to adding more credit to your credit cards, to closing  a credit card, to allowing one account go overdue by 30, 60, or even 90 days.

When it comes to Credit Karma this is definitely one tool you ll want to play around with.

Which Website Should You Use

In my opinion of all three of these sites I wouldn t simply use one.  I would use all three.  This way you can get several different views of what others are saying about your credit situation.  In fact all three sites showed me a different credit score.

What sites do you use to check your credit score and report?  Leave a comment and tell us about it.

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In most cases the lenders in our network require you to have a job, possess a bank account, be a U.S. citizen or resident at least 18 years of age, and earn a certain amount of money each month. Our lenders understand that everyone makes mistakes and encounters rough times – you may still be approved for a payday loan even if you have bad credit or a past bankruptcy.

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Chart: Compare and find the best gasoline rewards card for you #barclays #credit #cards

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Chart: Compare and find the best gasoline rewards card for you

By Erin Peterson

For most people, the only difference between the gas they buy at the station down the street and the one that’s all the way across town is the price. Because gas is a commodity, retailers work hard to inspire long-term loyalty through perks and rewards.

Gas rewards cards are one way that companies seek to win you over — but not all cards are created equal. Some don’t offer a single reward, while others pile on hefty discounts, rebates, and special deals. Store cards are often the easiest credit cards to get, while co-branded cards (the result of partnerships between retailers and networks such as Visa and MasterCard) often offer better interest rates and rewards than their store card counterparts. Some of the cards hit you with a generous flurry of rewards at first, then choke the generosity down to a trickle.

Which is best for you? That will depend on a combination of factors, including where you drive, whether you tend to carry a balance and the size and nature of the rewards themselves. To find a great card, fill up on the information below — and then fill up your tank.

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Check Your Credit Report #credit #cards #for #no #credit #history

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Check Your Credit Report

Most people are aware that credit reporting agencies and bureaus – such as Experian or Equifax – keep tabs on payment histories. Most people are also aware that they can obtain a copy of their credit report (in most cases for free or for a minimal charge).

However, most people have no idea what\’s on their credit report, how to read it, or how to correct any erroneous information.

In this article, we\’ll take a look at six of the items that appear on a credit report. and show you how to fix any errors you may find.

Personal Information

Is your name, social security number. address and other personal information accurate? If not, contact the credit reporting agency to let it know it has made an error. A lending company would be skeptical of making a loan to an individual whose name and address (as listed in the credit report) are not consistent with the information provided to access the loan.

Note. Discrepancies, no matter how small they may seem to the individual, can cause financial institutions to not approve loans.

  1. Open Account Information

The report will detail all of the individual\’s open credit card accounts. The report will spell out the individual\’s credit limits. whether the person has been paying his or her bills on time, and if there are any balances on the account.

In short, pay particular attention to the accuracy of this information because lenders use it to gauge whether they\’ll make a loan.

Note. Inaccuracies in this section are a major reason for why many loans are rejected.

  • Mortgage Information

    Credit reports also detail information on any mortgages the individual may have outstanding. The reports indicate whether the individual has been late with payments, the account number of the loan and the date of mortgage origination.

    The same information is available for any other loans that the individual may have outstanding including personal loans, home-equity loans. credit lines and other financings originated by a financial institution.

    Note. Again, it is vital that this information is correct because if a lender perceives an individual as being saddled with too much debt (even if the information is incorrect), the lender won\’t approve the applicant for another loan.

  • Collections/Negative Account Histories

    Credit reports will identify whether the individual has any accounts that are in collection and what the status of those cases is. Because this information can adversely impact the individual\’s overall credit score and affect whether they are able to obtain a loan, it is important that it is correct. Credit reporting agencies often offer services that will help you resolve these issues or provide you with general advice and strategies on how to improve your credit score.

    Note. If there are any data discrepancies or misleading data presented, the individual does have some recourse (more on this below).

    If there is a judgment or an award against a person in a court of law (stemming from a personal suit, small claims matter, etc.) those terms will be included on the report. More specifically, this section of the credit report will specify the case number. It will also identify the plaintiff and the defendant by name, give the status of the case (whether it is open or closed), and detail its resolution (meaning the amount that has been awarded).

    Should an individual or some other entity have a lien on your property, that information will also be made available. Specifically, the case number, the court where the lien was established, the amount of the lien and its resolution (whether the lien has been released) will also be detailed.

    Note. This information often causes problems for consumers because the lien may have been satisfied, and/or the judgment reduced or rescinded even if the credit report fails to reflect this. Keep your eyes peeled!

    Bankruptcy information is also available and should be checked as well. Specifically, the report will outline whether it is an individual or a joint bankruptcy (with, for example a spouse). It will also include the amount of assets and liabilities the individual has incurred.

    Note. Incorrect bankruptcy information (especially the date the bankruptcy was incurred) is a frequent source of problems for consumers looking to obtain loans.

    Correct Erroneous Information

    There is a space at the bottom of each section of the credit report where the individual may add his or her personal comments. For example, in a lien situation, the individual might say that the lien was established due to a misunderstanding with a vendor (and/or that it was promptly satisfied). The space may also be used to outline other discrepancies as well. For example, an individual could comment on a situation where the report document inaccurately portrays the individual\’s indebtedness, or if certain outstanding credit card balances listed on the report have been paid off. Finally, individuals may choose to briefly explain why they are in arrears on a certain debt payment.

    As far as correcting information that is factually inaccurate such as the spelling of the individual\’s name or address, a person should present the credit agency with written proofs as soon as possible. If appropriately documented, the credit agency should make the appropriate changes on a fairly timely basis.

    The Bottom Line

    Try to obtain your credit report at least once a year and review it for any inaccuracies. If you spot any errors, have them fixed as soon as possible. You\’ll be glad you did.

  • Citibank to start offering free credit scores to credit card customers; Chase and Bank of America considering the same #sunbelt #credit

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    Citibank to start offering free credit scores to credit card customers; Chase and Bank of America considering the same

    CLEVELAND, Ohio — Citibank in January will become the second major credit card issuer to provide FICO credit scores to customers every month.

    The move, coming more than a year after Discover became the first major issuer to include credit scores with customers’ monthly online statements, signals this will become the norm in the near future.

    Citi is the nation’s third-largest card issuer by amount of credit issued, behind Bank of America and Chase. Both banks said today they’re considering doing the same.

    Cit’s decision is big in a year when federal regulators have been pushing banks to be more transparent to customers. That transparency can help people better understand what influences credit scores, improve their ratings and discover identity theft or other problems.

    The information from Citibank will be provided only online, said Citi spokeswoman Emily Collins. “This is the same score Citi Cards uses in lending decisions and will be available online for free every month.”

    And the scores will be provided only to the 23.5 million customers with Citi-branded credit cards, not those branded with other companies, such as Sears, Best Buy and Macy’s.

    The scores will be provided based on information in people’s credit reports from Equifax.

    Citi said it decided to offer credit scores because “we are always evaluating new benefits that will provide enhanced value to our card members,” Collins said.

    The news is good for consumers, but it’s just one step, said Kathy Virgallito, national manager of community affairs for Apprisen Financial Advocates.

    “Knowing your credit score is great if you have some context to that information,” she said. “If getting the score on your statement prompts you to find out what makes up that score and what you can to do maintain or improve your score, then that’s terrific.”

    Virgallito noted that Discover’s statements include a whole page about credit scores and offer more information for those who register on their website. “If Citi does that, too, it will be helpful to their customers,” she said.

    She added that it’s still important for people to check their credit report directly. “They need to see what’s directly creating their score and to catch any incorrect information or fraudulent activity,” she said. “With those two items (credit score and credit report), consumers are more likely to be ready to look at how they are managing their finances. We think this information is essential to moving forward, particularly today.”

    While consumers have many outlets to get their credit scores, some aren’t accurate and others lead to scams. Both Citi and Discover are using formulas from Fair Isaac Corp. to provide FICO scores, which are the ones lenders generally use. FICO scores aren’t the same as Vantage scores or others people may run across. Discover is using FICO scores based on TransUnion reports. Citi is using FICO scores based on Equifax reports.

    Credit scores can vary among the three bureaus because each bureau could have slightly different information, but the three generally should be within 20 to 40 points of each other. A person’s score can also change slightly from month to month even without any major changes in information on the credit report.

    The White House announced Citi’s plans on Friday and applauded banks that have started giving people their credit scores at no charge on a regular basis. Among the banks doing this besides Discover are Barclaycard and First National Bank of Omaha, as well as Pentagon Federal Credit Union.

    All told, about 70 million Americans now have access to the credit scores monthly, according to the White House. That’s before the Citi rollout.

    Discover came out swinging with this strategy last year, believing it would cause existing customers to be more loyal and lead others to consider moving to Discover if they were looking for a change.

    While providing credit scores is still a competitive advantage, it’s expected to soon become the norm. That could occur in the next year if a few more key players follow Discover’s and Citi’s example.

    At Chase, “we are considering it,” said spokeswoman Christine Holevas.

    Ditto at Bank of America. “It is something we’re evaluating,” said spokeswoman Tara Burke.

    There was no indication from either about a possible timeframe.

    With all of the push toward fairness and transparency after the 2008 financial crisis, banks have been under mounting pressure to play nice with consumers. It could be that banks are moving toward free, actual credit scores for customers before regulators force them to do so, as they did with credit reports a decade ago.

    “I think it might take a few more companies to come on board before it is expected,” Virgallito said, “but our experience here is that credit scores are of great interest to consumers of all economic means. Understanding credit reports and scores is one of our most popular workshop topics.”

    It was 2003 when Equifax, Experian and TransUnion started being forced to provide all consumers with a copy of their credit report once a year at no charge. That requirement was part of the Fair and Accurate Credit Transactions Act was passed by Congress and signed by President George W. Bush.

    US Bank Credit Card Review #student #credit #cards

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    US Bank Credit Card Review

    US Bank Credit Card

    US Bank offers a wide range of cards to customers, from rewards cards, basic credit cards. student cards and cards that help customers to either build up or re-establish a credit rating.

    Examples of Rewards Cards

    The FlexPerks Cash Rewards Visa card offer 0% on all balance transfers for the first 6 months and allows customers to earn a full 1% cash back on all their purchases. There’s no annual fee and the range of APR is from 13.99% to 23.99% variable, depending on the prevailing Prime Rate and the individual customer’s creditworthiness at the time of application.

    The FlexPerks Travel Rewards Visa card doesn’t offer an introductory APR for balance transfers, but comes with no annual fee in the first year; thereafter customers pay $49 per annum. Cardholders can earn one FlexPoint for every $1 they spend. The applicable APR is 13.99% to 23.99% variable, depending on Prime Rate and creditworthiness. Cardholders can earn 10,000 bonus FlexPoints after the first $500 have been spent in net purchases. Award travel starts at 20,000 of FlexPoints, equating to a $400 ticket value, which can be used on more than 150 airlines without restrictions, blackout dates or redemption fees.

    Basic Credit Card

    For customers who don’t use credit cards that often, a basic credit card for emergencies might be sufficient. US Bank offers the Visa Platinum card with 0% introductory APR on all purchases and balance transfers for the first 6 months, an APR of 11.99% to 23.99% thereafter and no annual fee. The card comes with automatic free car rental insurance, allows customers to pay bills online with free online account access, Zero fraud liability and fraud protection for extra peace of mind and customers with an acceptable creditworthiness may qualify for higher credit lines and lower APR.

    Student Cards

    Building up a credit rating and a good financial credit history starts with using a credit card responsibly. Getting the right card to start off with helps students to keep control of their finances and avoids falling into debt. The US Bank College Visa card offers 11.99% to 20.99% APR, comes without an annual fee and allows students to establish a solid financial history in their own name, while at the same time teaching them financial management skills.

    The card can be used to pay bills online with free internet access to the account, worldwide cash access within the established credit limit and offers special savings at hundreds of merchants who participate in the Visa partner advantage program. Partners are well known companies like Sears, Crutchfield, TGI Fridays and, where students with a College Visa card can enjoy discounts of up to 20% or free shipping on Paper Source products for example.

    Optional features with this card are for example the flexible payment options that help students to make payments on time and convenience checks are also available on request, when students need the occasional check to make payments where other payment options are not available.

    Checking a Prospective Tenant – s Credit Report #how #do #i #get #free #credit #report

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    Checking a Prospective Tenant’s Credit Report

    By | Small Business

    It is common practice to check prospective tenants credit reports before approving them for your rental property. This can greatly reduce your risks of accepting troublesome tenants, and can alert you to potential problems before an applicant signs a lease.

    Before you can begin checking a tenant s credit report, you will need the applicant to complete a written application. This written application should include an area for the applicant s Social Security number, which is often necessary to run a credit report.

    You will also need your applicant s permission to perform the credit check. This can take the form of a clause within the written application, or be on a separate form. Your applicants will need to sign this release authorizing you to perform the credit check.

    Credit reports can be expensive, particularly if you have large numbers of applicants. For this reason, many landlords request that the applicant cover the cost of the credit check. Be sure you know which credit report you need, and which service you will use, so you can request the correct amount from your applicants.

    There are many different agencies and services that provide credit checks for landlords. Some require a membership fee, while others charge per report. If you have a large rental complex or a large number of applicants, you may be able to save money by selecting a membership service that offers bulk discounts.

    Tenant Verification Service offers many different services for landlords. You can request a standard credit report, as well as more information on your applicant s credit history, such as any current collections, liens, judgments, or bankruptcies, plus a nationwide criminal records search. provides many of the same services as Tenant Verification, plus many free services. It also offers background and criminal history reports. provides credit reports complete with FICO scores, known credit patterns, and employment histories, in addition to the usual information on liens, account balances, and pending judgments. It also offers criminal reports and an evictions search.

    Experian provides a three-credit-bureau report, covering the top three reporting agencies, including Equifax and Transunion, plus a free credit score. This is very helpful to get a complete picture of an applicant s credit history.

    AAA Credit Screening Services delivers a complete credit report within a couple of business days. It offers full tenant screening, including rental history verification, employment verification for current and previous employment, checking account verification, and criminal record checks, if you so choose. AAA Credit Screening Services also offers Canadian reports. can provide in-depth information on your applicants, including criminal and sex-offender records, work history, and address verification.

    Using a screening service can reduce the amount of time you spend checking into a tenant s background, allowing you to process more applicants and handle your regular property management tasks.

    Anyone can have problems with their credit, and a bad credit report does not necessarily indicate that your applicant is a bad person. He or she may just have gone through a rough period in their life. While it s important to utilize a credit check, do not select your applicants based solely on their credit reports. It can give you valuable insights, but it will not give you the full picture of an applicant.

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    It s Easy To Earn With E-Z Earn Checking!

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    1 All new accounts will be verified through ChexSystems and are subject to approval. $2 Paper Statement Fee will be waived for Members who are less than 18 or more than 64 years old, or have signed up for eStatements by the last day of the month during the statement period. Otherwise, a $2 monthly fee will be applied to the primary savings account. If funds are unavailable in your primary savings, the fee will be transferred to that account from your secondary savings, checking, or money market account. 2 APY=Annual Percentage Yield. Rate quoted 10/27/10 and is subject to change without notice. 3 To qualify, accounts must have 10 check card purchase transactions to earn qualifying rate (does not include ATM transactions). The current qualifying rate of 0.35% APY will be paid per statement period. Non-qualifying accounts will receive a lower dividend rate; currently 0.05% APY. Offer subject to change without notice.

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    All new accounts will be verified through ChexSystems and are subject to approval. $2 Paper Statement Fee will be waived for Members who are less than 18 or more than 64 years old, or have signed up for eStatements by the last day of the month during the statement period. Otherwise, a $2 monthly fee will be applied to the primary savings account. If funds are unavailable in your primary savings, the fee will be transferred to that account from your secondary savings, checking, or money market account.


    All funds in a non interest-bearing transaction account are insured in full by the National Credit Union Administration through December 31, 2012. This temporary unlimited coverage is in addition to, and separate from, the coverage of at least $250,000 available to Members under the NCUA s general share insurance rules.

    The term non interest-bearing transaction account includes a traditional share draft account (or demand deposit account) on which the insured credit union pays no interest or dividend. It does not include any transaction account that may earn interest or dividends, a negotiable order of withdrawal ( NOW ) account, money-market deposit account, and interest on Lawyers Trust Account ( IOLTA ), even if share drafts may be drawn on the account.

    For more information about temporary NCUA insurance coverage of transaction accounts, visit

    FREE Checking with eStatements At Its Best.

    Experience CU SoCal s World-Class Service PLUS access 11,500 more free ATMs than available at the largest bank.

    All new accounts will be verified through ChexSystems and are subject to approval. $2 Paper Statement Fee will be waived for Members who are less than 18 or more than 64 years old, or have signed up for eStatements by the last day of the month during the statement period. Otherwise, a $2 monthly fee will be applied to the primary savings account. If funds are unavailable in your primary savings, the fee will be transferred to that account from your secondary savings, checking, or money market account.Value+ Checking is only available to Value+ Members. Please refer to your Fees and Charges schedule for all applicable fees and charges.

    1 Non-CU SoCal surcharge may be imposed at foreign ATMs and will be disclosed at the ATM.

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    Are you experiencing money problems?

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    Compare Credit Cards

    uSwitch Limited is a credit broker, not a lender, for consumer credit products.

    uSwitch services are provided at no cost to you, but we may receive a commission from the companies we refer you to.

    Frequently asked questions

    How do I choose the right type of card?

    Our tables let you compare across a range of different criteria, but the right card depends on what you want it for. If you have a good credit rating and pay your bills on time, then a cashback or rewards card will give you extras on your spending.

    If on the other hand you have a poor credit file, or don’t have a history of borrowing, a credit-builder or bad credit card will be more suitable. Or, if you have an existing credit card debt it’s balance transfer you’re after.

    What makes one card better than the other?

    Again, it depends how you’re going to be using it. If you have a large debt already a balance transfer card is your best bet. You can then choose to pay 0% for a longer period of time – the balance transfer period – or for a shorter period, but with no transfer fee.

    If on the other hand you’ll be using it for purchases and spending you might want a card offering 0% on new purchases, again, for the longest period. If on the other hand you may have some outstanding balance at the end of the month then a low APR card could be suitable.

    I’ve heard APR is the best way to compare, is that true?

    APR, or annual percentage rate, is a great basis of comparison. It takes the interest rate, adds in any fees, and averages it out over the year. That means the lower the APR, the lower the overall interest rate and fees will be and the less you’ll pay overall.

    Having said that APR can be relatively unimportant. If you’re transferring an existing debt to a balance transfer card then you’ll get a long 0% interest period, so knowing the APR may be less important than knowing how long you’ll pay 0%.

    When you hit the apply button we will take you to a page with more details about the card, as well as a summary box, any terms and conditions, and anything else you may need to know before you get the card.

    What does ‘will I get this card’ mean?

    Our ‘Will I get this card’ button is there to help you decide whether the card is suitable for you. Most cards have a few minimum criteria you need to meet before getting the card, but it’s important to realise that even if you meet the criteria you may not get the card.

    Why might I be rejected for a card?

    One of the key factors determining whether you will be accepted for the advertised credit card is your credit history, otherwise known as your credit report or score. This gives the lender an indication of how likely you are to repay the debt on the card.

    If they think you’re a bigger risk, you may be asked to pay a higher interest rate. You can read more about credit reports in our guide pages.

    Cards on this table are ranked by popularity, which we judge according to how many clicks they get over the past 48 hours.

    Those with the most clicks go to the top of the table, those with the least to the bottom.

    Company Check #truly #free #credit #report

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    Instant access to over 100m credit reports across Europe

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    In this particular financial institution will compute your financial balance, month to month salary, spending and requirements in line with that you competent to Clearing bad credit score attain money.

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    No Interest Credit Cards | 0% APR Credit Card Offers

    For those in search of the very best 0 APR and introductory no interest credit cards. you should first start by comparing interest rates or APR’s on cards. If you tend to carry a monthly card balance, several cards outlined below are considered to be among the top low APR cards available. While the introductory rate on 0 APR credit cards tends to be short term (6 to 12 months), they are undoubtedly a great way to save money right away.

    When choosing to apply for one of these low rate cards, the interest rate or APR on the card should obviously be one of the deciding factors in your card application choice. Because of the comparably lower finance charges, many of these 0 interest credit cards are relatively inexpensive alternatives for consumers. The lower the interest rate or APR, the cheaper the card is to carry and the more money you’ll save. Typically, your credit has to be excellent to qualify for one of these introductory zero interest credit cards, however. So if you carry a large monthly card balance, a low APR can save you significantly, and in some instances can save cardholders thousands of dollars, depending on the life of the card balance.

    The Capital One® Platinum Prestige(SM) card and the Capital One® VentureOne(SM) Rewards Credit Card are two of’s top introductory zero interest offers. With 0% introductory APR (for extended periods) and a low ongoing APR on purchases and balance transfers, these offers are an ideal choice for cardholders looking for competitively low interest rates online. Another great low interest credit card to consider is the Citi® Platinum Select® MasterCard®, offering both a low ongoing APR as well as a 0% introductory APR for up to 18 months on all purchases and balance transfers.

    Looking for more articles and free information on 0% APR cards? We’ve provided more articles, tips, advice and resources below:

      0% APR Credit Card Facts – Almost all credit card companies offer an incentive 0% APR during the introductory months of card membership, usually the first six to twelve months. With these enticing card offers, many consumers just grab the opportunity and forget to look deeper than just the interest rates involved in the first “honeymoon” year. Don’t forget to research the facts about these card offers, including. Lure for Large Card Balances – Anyone with outstanding credit card debt must find the lure of a 0% APR card extremely attractive. Interest free debt is extremely attractive, particularly for people with large outstanding credit balances who fully understand how debilitating interest and finance charges can be. But there are a few things to be aware of regarding 0% APR credit cards. Maximize Your 0% APR Credit Cards – One of the easiest ways to reduce some of your monthly payments might be with a 0% APR card, especially if you currently have a few other cards in which you are paying interest on balances carried over from month to month. Here are a few things you should look for in order maximize your benefits.

    Use of Credit Information in Employment 2013 Legislation #credit #reports #for #free

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    Use of Credit Information in Employment 2013 Legislation

    NCSL Resources

    NCSL Contact

    Updated September 29, 2014

    The chart lists state legislation introduced or pending during the 2013 legislative session relating to the use of credit information in employment.

    Forty-six bills in 26 states and the District of Columbia were introduced or pending in the 2013 legislative session relating to the use the credit information in employment decisions. Out of the total 46 bills, 42 address restrictions on the use of credit information in employment decisions.

    The total number of states that limit employers use of credit information in employment is now 10: California, Colorado, Connecticut, Hawaii, Illinois, Maryland, Nevada, Oregon, Vermont and Washington. Washington enacted legislation in 2007, Hawaii enacted legislation in 2009, Illinois and Oregon enacted legislation in 2010. California. Connecticut and Maryland enacted legislation in 2011. Vermont enacted its legislation in 2012. Colorado and Nevada enacted legislation in 2013. The remaining states allow for the use of credit information in employment decisions.

    NOTE: If you have questions regarding whether an individual employer can use credit information in employment decisions, please contact your state department of labor . NCSL is unable to provide assistance or advice in individual cases .

    No Personal Guarantee Business Credit Cards #arco #credit #card

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    No Personal Guarantee Business Credit Cards

    Are you searching for no personal guarantee business credit cards.  Let me be the first one to tell you that the credit card issuers for these types of cards do not advertise! Only the most creditworthy small businesses qualify and receive a pre approval invitation.

    Some credit cards like the Sam’s Club Discover Business account will waive a personal guarantee if your company has less than $5 million in annual sales or revenues or is less than 2 years old or has fewer than 10 employees.

    Now if you’re designated as a sole proprietorship or partnership then you automatically disqualify and must provide a personal guarantee for this card. That should give you all the more reason to incorporate your business .

    Keep in mind there are high limit business credit cards that will report only to your business credit reports. After establishing a positive record with these issuers you can apply for a second round of funding without supplying a personal guarantee depending on the issuer. But let me remind you that regardless of what you’ve read or heard it takes much more than simply generating a paydex score to qualify for these cards let alone be invited to apply.

    Recently I shared with you the top 10 biggest myths surrounding business credit and the 80 paydex score was ranked #1.

    The reason for this was that an 80 paydex score with Dun Bradstreet is said to be like having a 720 personal credit score. While that may have some truth to it there are some key details that get left out. For example, you can have four positive trade lines reporting with only $200 being the highest credit limit on all four accounts and still generate an 80 paydex score.

    This is because Dun Bradstreet’s rating system requires only four positive trade references but if the four you have are small limits then this hardly qualifies your business as creditworthy in the eyes of these exclusive credit card issuers.

    As result of this misinformation it’s easy to get frustrated and just throw up your hands and say there is no such thing as business credit cards without a personal guarantee. Wrong!

    While the Sam’s Club Discover Business card is just one example not a personal recommendation, I want you to see firsthand that these types of cards do exist.

    It’s not locating the cards that are difficult when you have access to the right source; like my Business Credit Insiders Circle.  We provide these no personal guarantee business credit cards to our members in our business credit builder system .

    The problem lies in getting business owners to understand what it takes to qualify. The other day I received an email from a business owner boasting about his 80 paydex score asking for a list of my no pg business credit cards. The first thing I asked was what types of credit has he established in the company s name and what was the highest limits being reported.

    It was no surprise to hear that he was only listed with Dun Bradstreet and had 5 positive trade lines with the highest credit limit of $2,500. He was definitely not in a position to apply for a no pg card and it was apparent to me that he read from another source that all you need is a strong paydex score.

    This brings me to another point in qualifying for business credit cards without a personal guarantee.  Having only a Dun Bradstreet file is like having only one personal credit file with the credit reporting agencies. Let’s say all you have is a personal credit file with Equifax but have no file with Transunion or Experian. You would never be able to get approved for a mortgage because you don’t have a complete financial picture for lenders to review your creditworthiness.

    Same thing applies to business credit lenders and credit card issuers. You can qualify for a business credit card with no personal guarantee but to be considered a credit worthy business you must establish a strong credit file with the three main business credit bureaus. This includes a good blend of credit like vendor credit lines, a business loan, lease credit and revolving credit.

    Do you have the best small business credit cards for building a creditworthy company while protecting your personal credit?

    Looking to obtain no personal guarantee business credit cards? Become a member of my Business Credit Insiders Circle and gain access to a proven step-by-step business credit building system. A system that provides you access to vendor lines of credit, fleet cards, business credit cards with and without a PG, funding sources and lenders that report to all the major business credit bureaus. Submit your name and email below for details and receive a free audio seminar ($597 value) =  =

    To Your Success In Business and in Life!

    Did This Blog Help You? If so, I would greatly appreciate if you like and shared this on Facebook.

    About the author

    Marco Carbajo is a business credit expert, author, speaker, and founder of the Business Credit Insiders Circle. He is a business credit blogger for Dun and Bradstreet Credibility Corp, the Community, and All His articles and blog; Business Credit,  have been featured in Fox Small Business ,’American Express Small Business , Business Week , The Washington Post , The New York Times , The San Francisco Tribune ,‘Alltop’, and ‘Entrepreneur Connect’.

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    Accurint Individual Access Program

    Obtaining copies of information about you

    Upon request and with proper identification (as explained below), LexisNexis Risk Solutions FL Inc. (“LexisNexis”) will provide individuals with a copy of the Accurint Comprehensive Report or with a copy of the Accurint for Collections Contact Locate Comprehensive Report.

    What types of information are included in the Accurint Comprehensive Report?

    An Accurint Comprehensive Report includes public record, non-public information and publicly available information. View a sample person report.

    Public records are those records created and maintained by government agencies and that are open for public inspection. This includes information such as real estate title records, liens, death records, and motor vehicle registrations.

    Non-public information is information about an individual obtained from a source that is privately owned and that is not available to the general public. Non-public information may include the following data elements: current and previous addresses; Social Security Number; previous names used, such as alias names, maiden names or previous married names; birth date information; and/or telephone numbers.

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    What types of information are included in the Accurint for Collections Contact and Locate Comprehensive Report?

    An Accurint for Collections Contact and Locate Comprehensive Report includes public record, non-public information and publicly available information intended to be used by debt collectors to locate individuals and assets for repossession. View a sample Accurint for Collections Contact and Locate Comprehensive Report.

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    Column A: Identification Documents

    Consumer Credit Counseling Services of Northeastern Pennsylvania #apply #for #a #credit #card #with #no #credit

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    ATTENTION: Veterans, Current Military, Military Families!

    CCCS is proud to announce that we will be teaming up with Marywood University s R- VETS Program offering financial education to Veterans, Military and their families! Our next session will be held Monday, Nov. 23 from 1:00 pm to 3:00 pm! Attend these sessions and improve your personal finances! Learn about shopping for credit, managing debt, ordering and reviewing your credit report and more! Call our Education Department at 570-602-2227 ext. 220 or Ashley Woodward from the R- VETS Program at 570-961-4584 to reserve your seat!

    Fresh $tart to Your Finances is Here.

    Have you experienced difficulty handling a checking account in the past? Are you paying for money orders to pay your bills because you can t open a checking account due to mistakes made with your previous account? Well help is here! CCCS is proud to announce that our new Fresh $tart to Your Finances Program will be starting on Tuesday, Nov. 3 (part 1) and Tuesday, Nov. 17(part 2) from 5:30 pm to 7:30 pm! This is a two session program and will kick off at Penn East Federal Credit Union on Davis St. in Scranton! Call our Education Department at 570-602-2227 ext. 220 or Katelyn McManamon at Penn East FCU at 570-342-2720 ext. 211 to reserve your seat!

    Are you on the Road to Financial Fitness ?

    Attend the upcoming Road to Financial Fitness workshop and find out how to get there! Learn how to create a successful $pending plan, setting financial goals, understanding your credit report, improving your credit and more!

    We will be holding this workshop on Friday, Oct. 30th from 9:30 am to 11:30 am at the Wilkes Barre Career Link, 32 E. Union St. in Wilkes Barre. Please register on-line at Please call Career Link at 570-822-1101 or stop in if you have any questions!

    See you there!

    Framework for Building Your Financial House

    We are very excited to present the Building Your Financial House monthly series! Our first series is quickly coming to an end! But stay tuned because we will be holding another class shortly! This program is incredible! It s fun, interactive and most important YOU WILL LEARN things! This could be the most fun and interesting 90 minutes a month you will spend! If you or someone you know wants to move up in a rental, buy their first home or just want to Build Your own Financial House, come on by! Please call our office to register at 570-602-2227 ext. 217!

    Compare Top Rated Credit Cards Offers and Rates #credit

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    Find the Best Credit Cards

    Looking for a credit card? There are credit cards with low APRs, balance transfer offers, cash back, points, miles, bonuses and more. We can help you find the best credit card for you based on your desired card features, issuer or credit score.


    1 What is the difference between a debit card and a credit card?

    Purchases made with a credit card are charged against a line of credit while purchases made with a debit card are funded by money that you already have in a bank account. Also, credit cards are more likely to have special perks and rewards programs. For example, credit cards may offer travel insurance, price protection and extended warranties on purchases made with those cards.

    2 What does APR mean?

    The APR stands for “annual percentage rate,” which is the standardized annual rate that lenders use to determine how much interest is charged on loans. The higher the APR, the more interest you will pay on your balances — and the longer it will take to pay off the balance.

    The APR that you get on your credit card will vary depending on your credit history, which determines your credit score. A higher credit score is likely to result in a lower APR because you are seen as a more reliable borrower.

    3 Why do some credit cards have annual fees?

    Some credit cards charge annual fees because they have certain features and perks that are not found with other credit cards. For example, airline credit cards usually have annual fees because they offer complimentary airfare, lounge access or priority-boarding privileges.

    Secured credit cards may also carry annual fees because they lend to risky borrowers — applicants don’t need a good credit score to qualify for this type of credit card.

    If you are going to choose a credit card with an annual fee, make sure that the rewards and perks outweigh the costs.

    Consumer Credit Counseling Services of New Jersey – Money Management #joint #credit #card

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    CCCS of New Jersey

    Consumer Credit Counseling Services of New Jersey (CCCS of NJ) has joined Money Management International (MMI). MMI is a national leader in the nonprofit financial services industry, said Sylvine Marabotto, President and CEO of CCCS of NJ. This partnership represents an opportunity to provide area consumers with an even greater diversity of financial tools and resources. Together we re able to reach more consumers in need and provide them with the education and support necessary to overcome their financial setbacks.

    CCCS of NJ has provided New Jersey residents with a range of financial education services, including credit counseling, debt management assistance, and community financial education programs since 1978. For nearly 40 years the financial educators at CCCS of NJ have helped more than 55,000 individuals and families regain control of their finances and pay back over $125,000,000 in debt. Together, the combined organizations will provide consumers with face-to-face financial education and counseling services at nearly 70 branch locations nationwide, with 24 hour a day, 7 day a week assistance available by telephone and internet. Local residents will continue to have access to in-person counseling and education services at CCCS of NJ’s existing location.

    Consumer Credit Report #credit #card #application #form

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    Who Qualifies for Consumer credit report a Revised Mortgage?To get a loan mod, you have to private and inhabit the home where the money is.

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    No Credit Assessment Low Credit Score LoanThe most everyday sort of a low credit score mortgage is a quick payday loan.

    Credit 1 USA – Credit Repair #annual #credit #report

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    Our Credit Repair Changes Lives

    We wake up in the morning knowing that today we will change someone’s life forever. Everyone should be able to pursue their dreams without the worry of shortage, embarrassment of rejection, or fear of losing what they have worked for. Credit repair is more than disputing items on a report, it’s literally the gateway to a better lifestyle for someone. We believe that today that someone is you.

    Your credit influences so much, the car you drive, the house you live in, the schools your children attend, your student loans, the job you have, insurance rates you get, and most of all the money you have in savings.

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    Now, out there, quite a number of loans are Contract sample form for Contract sample form sale for the convenience of obsessive men and women. Keep some of this regular monthly profits away as coverage for emergency situations and unexpected expenditures. People today might take help of online setting to avail dollars as a result of personal loans more than 12 months.

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    Even with carrying out these kinds of steps, a person may discover a problem, in which he or she wishes funds but don’t have enough funds playing them.

    CORE CU #credit #building #credit #cards

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    Access CORE Anywhere Mobile Banking now. Our CORE Anywhere Mobile App is available on Apple, Kindle, or Android devices and replaces our previous mobile/text banking service.

    Photo ID Debit Card FREE!

    In response to the high levels of account fraud in the world today, CORE Credit Union will begin offering free photo ID debit cards with all checking accounts!

    The photo ID debit card provides all the benefits of our regular debit card, plus:

    • Helps prevent others from using your card if it s stolen
    • Identifies you as the card s authorized user to merchants
    • Provides an additional form of photo ID

    Do you have an automobile or RV loan with another lender? If so we want to beat their rate by 2% and put the savings in your pocket. This 2% rate reduction means lower payments and less interest over the life of the loan. On a 60 month $25,000 loan, a 2% rate reduction saves a borrower over $1,372 in interest and monthly payments are reduced by $22 per month. CORE has refinance rates as low as 2.74% APR*. To start saving today, apply online or contact our Loan Department at (912) 764-9846. Refinancing is quick, easy, and there are no application fees.

    Offer good on auto and RV loans currently financed through other lenders. CORE CU auto/RV loans not eligible for refinance promotion. *APR= Annual Percentage Rate.

    Contact 6: Where to find a truly free credit report? #free #credit #reporting

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    Contact 6: Where to find a truly free credit report?

    Please enable Javascript to watch this video

    MILWAUKEE — Do you know your credit score? That number determines whether you can buy a house or get a good car! Your credit report can also show if someone else has hijacked your credit. FOX6’s Contact 6 says there’s one place where you can grab a copy of your credit report — for free!

    Doing a simple web search for “free credit report” will have you navigating between the waves of websites wanting your money, and also pirates – companies trying to catch you.

    Both companies want to get new customers. They realize if you don’t check your credit report, someone could have taken out a loan in your name.

    Last year alone, the Federal Trade Commission said there were around 280,000 stolen identity cases reported nationwide. Therefore, it’s clear that checking your credit report is a good idea, but are and really free, like they say? links up to three credit bureaus — TransUnion. Experian and Equifax. Different creditors report to different credit bureaus, so it’s a good idea to see all three credit scores.

    By law, you get three reports, but you don’t get your three possibly different credit scores because that’s considered proprietary information – special for each company, and each company charges an additional price.

    To just look at a credit report, does not charge. is owned by Experian. Equifax and TransUnion have credit monitoring divisions too, they just don’t advertise as much. At, you get to pick from “Get my two-day free credit report” (meaning the report may come in two days, and you don’t get to see your credit score), or the “Instant $1 credit report and score,” which also signs you up for a seven-day trial membership to monitor your credit.

    It will let you know if any new accounts are opening in your name, or if you have late/missing payments. If you don’t cancel by the end of the seven days, you’ll have a monthly charge of $19.95. is sponsored by all three credit bureaus to fulfill the Fair Credit Reporting Act.

    Contact 6 says is the best source for a truly “free” credit report.

    CLICK HERE to file a complaint with FOX6’s Contact 6.