compare credit report – transunion experian equifax

January 26, 2011

Free Credit Help!

Filed under: Finance — Tags: , , , , , , , , , , , , , , — admin @ 6:44 am
Jon Living asked:




Credit is a delicate subject that most people find hard to understand. We are here to provide free information and allow the consumer to do their own research. Consumers are provided the opportunity to join the conversation the creditors and bureaus are having about them. Consumer reporting companies are their to report negative information about the consumer to allow creditors to charge a higher interest rate.

The information in your credit report affects whether you can get a loan or insurance or even a job. As consumers you are allowed one FREE copy of your credit report yearly, obtain your yearly report and make sure everything is reporting accurately about you. If you notice negative or inaccurate information tell the consumer reporting company Trans Union, Experian, Equifax in writing, what information you think is inaccurate. Include any paper work that support your position. It is totally FREE to dispute the inaccurate or out dated items on your credit report.

The credit card industry has changed a lot since the global slow down, it’s a new ball game out their, the consumer is on the batting plate. We have more control than ever over our credit score. The Consumer Credit Protection Laws that allow the consumer to check and repair their credit if any negative or inaccurate items are reporting against you. Credit repair is legal do not allow any one to fool you, you might not need professional help.

1st step check your credit
2nd step investigate your reports your trade lines that are old or inaccurate.
3rd step repair your credit send dispute letters to all three major credit bureaus.
4th step is start living your dream and being financially free.

Creating a formula of how long it would take you to reach your goals is most important thing. How much is your debt? Divide by your annually income equals how long it would take you to pay off your debt.

Martha

January 8, 2011

Credit Repair Self Help Tips

Filed under: Good Stuff — Tags: , — admin @ 6:49 pm
asked:




Jimmy

October 3, 2010

How to Compare Credit Cards on the Internet

Filed under: Finance — Tags: , , , , , , , , , , , , , , — admin @ 7:33 am
Nick Makaryk asked:




It always helps if you look at all the options that are available to you before you make your final decision. This is also true whenever it comes to choosing a credit card that you are going to use and when you compare them, you will begin to notice a few differences that are somewhat standard in the industry. These will help you to be able to decide which one you’re going to use, as there are some that are going to be more beneficial to you than others. Here are 3 things to look for whenever you compare credit cards that will help you to make this decision.

One of the first things that you should look at are the terms that are available. These are going to vary widely among the various card issuers, and you would be surprised that some of them are not going to be very attractive at all. This goes far beyond the simple interest rate and whether there is an annual fee attached to the card, although this is certainly something for you to consider. There are also things, such as grace periods which will help you to be able to pay the card without having to pay interest as well as any other fees that may be attached to the card.

Another thing to look at whenever you compare them, is to look at the rewards that are attached to the card itself. Many people use these cards, just because they are able to get the rewards and they pay the balance off at the end of the month in order to not have to pay anything back. Perhaps the one you have will offer you money back at the end of the year, or it may reward you with points in some way or another so that you can get airline flights or perhaps trade the points in for physical items. Regardless of which of these offers you choose, make sure that they do not expire as this makes it much more attractive.

You can compare credit cards on the Internet, and find one that is going to be perfect for your regular use. Whenever you do it in this way, you would be surprised with the number of differences that you are able to find. Make sure that you take your time in making your decision, however, as you will probably carry this new card for many years to come.

Peggy

September 1, 2010

Compare Cash Back Gas Credit Cards

Filed under: Finance — Tags: , , , , , , , , , , , , , , — admin @ 11:16 am
Susan Slobac asked:




Gas cash back credit cards can help the commuter save money. This type of reward card can be used at all types of service stations, and with some card offers you are also given rewards on purchases that are not for gasoline. If you spend a lot of time on the road, whether for work or pleasure purposes, gas cash back credit cards offer rewards that you will be able to use.

Every offer for cash back credit cards is slightly different, so it pays to read the terms carefully to make sure that the card will best meet your spending needs and qualify you for the specific rewards you want. The APR and fees are another consideration that you will need to weigh against the rewards offered.

Some credit cards with cash back on diesel fuel offer tremendous introductory fuel savings. Chase offers a card that will reward you with rebates of over five percent on all of the fuel you purchase for the first ninety days of using the card. It does drop the percentage after the introductory period is over, as most cards do.

Other Cash Back Gas Credit Cards [http://www.consumercreditoutlet.com/card/gasrewardsoffers.html] will offer you rewards when you shop for gasoline at certain fueling stations. This might be a great card for you if you fuel up at the same station, or same brand of stations when you travel away from home. Some of these cash back credit cards will also offer an introductory incentive by doubling your rewards for a period of time.

Certain credit cards with cash back on diesel fuel also provide you with the benefit of counting purchases of auto maintenance as part of your eligible purchases for rewards. It is important to note that even though these cards offer a higher amount of cash back for gasoline purchases, most of them also offer cash back rewards or points for all other types of items you might buy.

There are certain oil companies that offer credit cards, called house cards, that can be used to make purchases only at that company. The beauty of the gas cash back credit cards is that these cards can be used anywhere, not just for gasoline buys, and you will still get cash back rewards. This offers the consumer a great deal of flexibility and choice of shopping where you wish to shop.

With any gas cash back credit cards that you are offered, it behooves the consumer to carefully read the terms of each card offer, so that you understand what the introductory APR is and when the grace period is over what the percentage will be. You will also want to consider that you earn the best rewards when you can pay off your balance each month rather than carrying a balance over from month to month, so keep that in mind to make sure you will receive the rewards you want to earn.

Debra

July 12, 2010

Rebuild Your Credit With A Prepaid Credit Card

Filed under: Finance — Tags: , , , , , , , , , , , , , , — admin @ 1:46 am
Joseph Kenny asked:




It can be pretty tough when your credit is bad and it is next to impossible to get credit when you need it. Most major credit card companies will not talk to you, and a lender – well, forget about it. There is a way, though, out of the tough situation with a prepaid credit card. Here is what you can do with a prepaid credit card to help rebuild your credit score.

Need A Bad Credit Rating

One of the best things about a prepaid credit card is that it was designed for people with bad credit. In fact, that is one of the qualifications. There will not be any check on your credit rating, or your employment. Anyone can get one of these credit cards, but you will need to deposit a cash amount equal to the credit limit you want. This lets you know that it operates on a debit basis – no actual credit is given.

Get A Card That Reports To A Credit Bureau

Not many prepaid credit cards actually report to a credit bureau. That is, however, the kind of card that you want to get. While others make having cash handy, it really will not help you (or anyone with bad credit) in the long run.

Watch The Fees

Prepaid credit cards often come with a number of fees. You should compare one card with another in order to get the fewest fees. In order to get a prepaid credit card that reports to a credit bureau, you will probably have to pay an annual fee – could be as high as $100.

Look For Benefits

Most prepaid cards do not come with any benefits, but some do. You can get points, like on a regular credit card, that are useable for a few benefits – like free phone time, and more.

No Credit Card Abuse

Another good thing about these credit cards is that you can never go over your limit, or have to pay any late fees or interest. (Hey, this is sounding better all the time). This means that if it reports to a credit bureau, that it would be impossible to get a lower score than what you may already have with this kind of card.

Easily Put Cash On Your Card

Most prepaid cards will allow you to easily put credit on it from just about anywhere. You can even put your paycheck onto it by Direct Deposit.

Use It Like A Credit Card

A number of these prepaid credit cards can be used in the same way as a credit card. You can set up automatic bill payments, purchase things online, or over the phone. If you want this feature, however, be sure that the ad says that you can do this.

Like any other credit card, you will want to compare features and fees in order to find the best prepaid credit card for your needs. While most of them are similar, the fees vary widely. Since no qualifications are needed, why not get the best?

Vanessa

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