How to check your credit report free
If an individual applies for a credit card and is rejected, he or she should find out the reason why through a free credit report, Darway said.
Under federal law, everyone is entitled to get one free credit report per year from each of the three primary national credit reporting agencies — Experian, Equifax and TransUnion. [...]
It’s so easy to get into debt
Credit is an important instrument for life and creates a “financial resume,” making it essential for consumers to establish their credit history.Amie Darway, program manager for the Consumer Credit Counseling Service of North Central West Virginia, headquartered in Clarksburg, said the first step a person can take to start establishing credit is to set up [...]
What Is A Credit Union?
Credit Union National Association
A credit union is a cooperative financial institution, owned and controlled by the people who use its services. These people are members. Credit unions serve groups that share something in common, such as where they work, live, or go to church. Credit unions are not-for-profit, and exist to provide a safe, convenient [...]
Pay Down Your Mortgage Faster
For those of us born into a family of modest means, the decision to buy a home isn’t an easy one. First, there’s the burden of taking on long-term debt in the form of a mortgage. Then there’s the stress of accumulating enough cash to make a down payment. Then there’s moving expenses, furnishing the [...]
How to stop Pre-approved Offers?
To stop every company from accessing your credit report and to stop those mailings you can call 1-888-5OPTOUT or visiting http://optoutprescreen.com.
OptOutPrescreen.com is a centralized service to accept and process requests from consumers to “Opt-In” or “Opt-Out” of firm offers of credit or insurance. OptOutPrescreen.com is a joint venture among Equifax Information Services, LLC, Experian Information Solutions, Inc., Innovis [...]
Battleing Identity Theft
For the first time, everyone in America can now do something to prevent identity theft.
On Nov. 1, the nation’s three credit bureaus gave all U.S. consumers the ability to shut down access to their credit reports, making it almost impossible for a stranger to get the data needed to commit financial identity theft. The process [...]
Lowering your credit card interest rates
You are going to be kicking yourself for not trying this sooner once you watch this story. If you have a phone and five minutes, you have the key to deflating your credit card interest rate.
Before you ring it up at the register, ring up your credit card company and ask for a lower rate. [...]