Welcome to Free Credit Report.
Posted by mrpom in Welcome to Free Credit Report. on April 19, 2011
Are you looking for a Free Credit Report because you are concerned about your credit score, or because you have been turned down for finance? Or perhaps you just want a free credit report to check your FICO score?
Here at Free Credit Report we have the resources you need to get your free credit report right away, and also to help you if you discover that you have a poor credit score and you need to do something to improve it.
We also clue you in on the free credit report scam companies out there and how to avoid them. We have a direct link to the ONLY legitimate free credit report provider right here at Free Credit Report.
“Get Your Free Credit Report Right Here”
Posted by mrpom in "Get Your Free Credit Report Right Here" on April 19, 2011
Firstly a word of warning, there is only one website authorised by the US Government to provide a free credit report. There are sites out there using “free”in their names who are not authorised to provide a free credit report, and there services come with strings attached, like memberships and additional costs.
Some “imposter” sites have URLs that purposely misspell annualcreditreport.com hoping that you will mistype the name of the legitimate site. From some of these “imposter” sites you may be directed to other sites that try to sell you something or collect your personal information without your consent or knowledge rather than give you the free credit report you require. Don’t be fooled by these scam sites, they are not the real deal.
The only legitimate free credit report provider is ANNUALCREDITREPORT.COM.
There are three ways to order your Free Credit Report
1/ Directly from their website www.annualcreditreport.com/
2/ Call them Direct on 1-877-322-8228 to get your free credit report
3/ By mail from Annual Free Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281.
Please bookmark this site and return once you have your free credit report as we have some valuable information for you regarding your Credit Score and exactly what you can do if your credit score is low and causing you financial problems.
Your Free Credit Report Score
Ok, so now you have your free credit report, just what is your credit score, and what does it mean to you financially?
Your credit score is basically a number which is generated by the credit bureaus after assessing your past credit history. This is the number you are looking at on your free credit report. What this number is designed to do is to help lenders determine whether you have the financial resources to pay back money within the given time period of a loan. In other words your credit score is effectively a measure of your credit worthiness.
The credit score number on your free credit report is a critical indicator in your financial future. If you have a good credit score, this is very much an asset that can assure you of a bright and secured financial future. On the other side of the coin a bad credit score is a black mark against you in any financial dealings and will result in either you being declined for finance or much higher than average interest payments.
Your credit score is considered to be the most important indicator of your financial health. The approval or rejection of a loan or credit application solely depends on an individual’s credit score. Often it is a computer rather than a person that assesses your credit score and makes a decision on your finance application.
A recent study undertaken by a major credit reporting company puts the average American’s credit score is 677. What about you, what does your free credit report say about your credit score. If your free credit report tells you that you are in the average range you may be feeling ok about things. BUT did you know that if you improved your credit score by just over 40 points you could save yourself around $100 weekly, or over $5000 per annum?
If your credit score is significantly below the national average, your savings by improving your credit score could be substantially larger.
You may well thinking, that’s all very well, but I don’t have thousands of dollars to spend on attorneys or credit repair companies.
The good news is that you don’t have to do this, in fact if you did you would probably be wasting hundreds of dollars not to mention possibly having to wait years for results.
Please read the next post where I am going to let you in on the Secret of how to Improve your Credit Score yourself very quickly and easily without spending a fortune to do it.
Adrian
Free Credit Report
Free Credit Report ” Insider Secrets of Improving Your Credit Score”.
Posted by mrpom in Free Credit Report " Insider Secrets of Improving Your Credit Score". on April 18, 2011
So you have your free credit report in front of you and your score is a lot lower than you expected, just what can you do about it that isn’t going to cost you a fortune or take forever?
There is a lot of false information around regarding improving your credit score. The prevalent myth is that you cannot effectively do this yourself, and you need professional help.
This myth is spread by the “credit repair companies” and “credit repair attorneys” out there because if people started to believe that they could repair their own credit scores without so called professional help these companies would be out of business.
The reality of the situation is that both ”credit repair companies” and “credit repair attorneys” are notoriously slow at repairing peoples credit often taking years to remove negative items from peoples free credit report when this could have been done in weeks or months. Why do they take so long? It is very simple, federal law prohibits these companies charging you upfront for their services, so they charge you on a monthly basis for “working” on your free credit report, so the longer they take to achieve results the more money they make!
Here is an example of what I am talking about-The best known credit repair attorneys in the United States at the time of writing this, charges a $99 setup fee and anywhere from $40 to $80 monthly to work on your free credit report file. This is a pretty typical fee structure for many of the credit repair businesses out there.
So just how can I effectively repair my credit score myself without wasting my money with these companies? Nobody wants to wade through 300 page e books or complicated books on credit law, so just what is the solution?
I am delighted to be able to introduce you to a brilliant Do it Yourself Credit Repair resource that will help you to repair your own credit in a fraction of the time and at a fraction of the cost that you would traditionally have to pay.
It is called Credit Repair Magic and this brief You Tube Video explains exactly how it works-
The thing that makes Credit Repair Magic so effective is its simplicity and ease of use. There is no need for hours and hours of hard work, it is an easy to operate STEP BY STEP SOFTWARE SYSTEM that takes automatically through all the steps of getting rid of negative items from your free credit report. This is effectively what you would be paying credit repair companies to do for you, but you are achieving the results yourself in a fraction of the time and at a fraction of the cost.
The Credit Repair Magic system takes substantially less time and is a lot more efficient than other credit repair programs because it uses a “self-directed” rather than a “do-it-yourself” approach to getting results. You do not need to compose letters or understand law to get results. Credit Repair Magic’s copyrighted and trademarked point and click software takes you through the steps of the process absolutely automatically. Improving your credit score with Credit Repair Magic is so easy that your child could probably do it.
Credit Repair Magic is the ONLY REPAIR YOUR OWN CREDIT SYSTEM available that actually works on the market today. With this system can quickly and easily get rid of negative items from your Free Credit Report and by doing this you will automatically and dramatically improve your current credit score within a very short space of time.
So, if the credit score on your free credit report is not what you were hoping for, or if you are already experiencing financial problems because of your poor credit score then CLICK HERE today to see the Credit Repair Magic System yourself and start improving your credit score NOW.
PS/ Credit Repair Magic comes with a FULL 60 DAY MONEY BACK GUARANTEE
Adrian
Free Credit Report