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Smart Women Finish Rich: 7 Steps to Achieving Financial Security and Funding Your Dreams
The Wall Street Journal Guide to Understanding Money & Investing
The Wall Street Journal Guide to Planning Your Financial Future : The Easy-To-Read Guide to Planning for Retirement
Loans & Mortgages
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Spectrum Lending:Homeowners: Been turned down recently? Refinance
with Full Spectrum today. 4 out of 5 Applicants Get Approved.Click
here now.
- Ameriquest Mortgage: low interest rates; nationwide service
- PremierEquity
low interest loans to those with good credit.
Auto Loans: Easy approval car loan one you know your credit score. Get credit pre-approved in just minutes. Just make sure you check you credit report and credit score. Check your Free Credit Report.
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today for your new or used auto loan
Low rate financing for new and used cards, motorcycles and refinancing..
Insurance
- Need Health Insurance? FREE Instant Quotes
- 4Insurance.com Auto insurance, health insurance, life insurance, home insurance, motorcycle and boat insurance.
Health Insurance
eHealthInsurance Need Health Insurance? Paying too much for your current plan? Everything You Need, All In One Place. eHealthInsurance: Learn, Compare, Apply, and Buy!
FREE Dental Insurance Quotes! NEED Dental Insurance? eHealthInsurance offers a wide selection of quality dental plans, FREE instant quotes, side-by-side comparisons, best available prices, online applications and a knowledgeable Customer Care team to help you find the plan that is right for you.
Auto Insurance
- Auto Insurance: You could be overpaying up to $400 a year on auto insurance. That's why the consumer-centric Insurance News Network suggests you shop around-even if you have a clean driving record. There are other factors that go into your auto insurance premium, such as your age, marital status and, in some cases, your occupation. Different companies weigh these factors differently. So, for example, being single with one company could cost you more than with another. Check it out
Your Credit
You know that a mistake on your credit history can ruin you--it may mean higher interest payments, inability to obtain a loan, a credit card or to buy a house. It may even prevent you from obtaining the job you want--because some employers check credit history.
Thus, it is advised that you check your credit history every 1-2 years. There are a number of ways to obtain your credit report containing your credit history. Actually the "system" usually keeps three different versions of your credit report, but more on that later.
Depending on your eligibility, you may be able to obtain your credit history completely free--for the cost of a first-class stamp. If you're ineligible, you can still get a free credit report, though that would require a little dirty-work on your part. See below for details. If you're ineligible and in a hurry, you would still be able to obtain your credit history for a nominal fee (less than $10).
Who keeps your credit history?
There are three major companies that are in the business of collecting and distributing credit histories on all Americans. If you're an average American, it is very likely that all three companies keep your credit history. They are competitors, which means that each company has a different version of your information. This makes it necessary to obtain reports from all three companies--to make sure that none of them has erraneous information in their files.
A few companies specialize in providing Credit Reporting to consumers. They supply credit reports from all three credit reporting agencies. Some of such companies are:
Free Credit Report and FREE Credit Scores 
- Get a Free Credit Report and Free Credit Score as well as free trial enrollment in TransUnion Credit Monitoring Service . You can also get unlimited access to credit reports from all three credit bureaus, 3 in 1 Credit Report: Get to your 3-in-1 credit report, credit scores, monitoring and analysis. Credit Monitoring - Free for 30-day. Plus get a free trial of Credit Monitoring Service, that offers unlimited copies of your credit history, including credit reports and credit scores. Try TransUnion Credit Monitoring Service FREE 30-day trial when you enroll.
3 Bureau Credit Monitoring with All 3 Credit Scores (Equifax, Experian, TransUnion_. Get 24-hour notice of critical changes to ALL 3 of your credit reports (TransUnion, Experian and Equifax). Unlimited access to your 3-in-1 Credit Report and ALL 3 credit scores. Toll-free access to specialists & up to $25,000 ID theft insurance at no additional cost. Includes unlimited 3-in-1 Credit Reports & Scores! Receive a brand new credit report anytime you want at no additional cost. Reports are easy-to-read with color graphics and free interactive guide. Get 24 hour notification of critical changes to your credit report . Find out about credit report changes including fraudulent activity, new inquiries, new accounts, late payments, & more.
Identity Theft - Protect yourself from identity theft.
Information and eligibility requirements to obtain your free credit report can be found here.
If you are ineligible, you can still obtain a free credit report by following instructions here.
To obtain credit reports from all three companies at once, go here.
If you want to obtain a paid credit report, follow this link.
Summary: Credit Report Ordering
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All
States
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Free
Trial
|
Online
Availability
|
Residents
of California
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Residents
of Connecticut
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| FREE CREDIT REPORT | FREE TRIAL |
FREE TRIAL |
FREE TRIAL |
FREE TRIAL |
FREE TRIAL |
| Free Credit Report and FREE Credit Score | FREE TRIAL |
Yes |
Yes |
FREE TRIAL |
FREE TRIAL |
| TrueCredit |
$
9.95
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No
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Yes
|
$
9.95
|
$
9.95
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* Not available online. Require a request by mail or phone.
Credit Score
Creditors use credit scoring, also knows as FICO credit scores, to evaluate your creditworthiness and to decide automatically whether to extend credit to you or to deny your request. Learn everything you need to know about FICO credit score and how to manage it for better credit history in our popular feature What is a Credit Score?
Dealing with Credit Fraud
Your credit history can suffer greatly if you are a victim of credit fraud or if your credit card is lost or stolen. Learn how to protect yourself against fraud and other detrimental outcomes in our special article suggested by a reader, Credit Fraud and Your Credit Profile
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