If you know or think you have bad credit you really need to get a copy of your credit report. You have probably heard or read about websites offering you your credit report for free. There are quite a few of those around now. Did you know though that you are entitled to a free copy of your credit report every year regardless. This is required by the government. All you need to do is to contact the various credit agencies and request a copy. Now in most instances you won't receive and actual credit score number with your report. Having that number is probably the biggest reason to go through one of those free credit report sites. Here are a few sites to visit if you are interested in getting your report and score.
You Need To Get A Copy Of Your Credit Report
Bad Credit? You Can Still Get An Auto Loan!
Do you have bad credit? Are you looking to get out of your old ride and into something new? I know a lot of people that have poor credit that think they can't get an auto loan. Or they think they will have to have a co-signer and really don't want to have to ask someone. Well in many instances even people with bad credit can Get aproved for an Autoloan now!. Granted you will pay more in interest than someone with stellar credit, but you don't have to get fleeced.
You need to understand that you probably aren't going to go out and buy a brand new luxury vehicle. In fact realistically you should probably be looking at something 3-5 that has already seen the largest share of it's depreciation. You can find some great cars with pretty low mileage in the 3-5 year old category. The nice thing is that if you watch and have a little patience you can get some great deals.
If you are looking to get a "new to you" vehicle it might be wise to get some financing before you head to the dealer. Many times the financing they get for you won't have the best rates or terms you could probably get. If you go in with your own financing in place you can always have them compete to get you better terms and rates. Here are a few places you can check out for bad credit auto loan financing before you go to the auto dealership.
Get aproved for an Autoloan now!
NEED A CAR? We can get you approved!
Apply for an Auto Loan Online - Bad Credit Okay!
Good credit, bad credit, no credit, no problem - get a car loan today
Need a New Computer? Poor Credit - No Problem
Do you need a new computer but don't seem to have the money to buy one. Do you have poor credit? No credit? Well there is a solution for you. You can buy a new up-to-date computer even in your situation. You can even get a great new laptop. Living with bad credit doesn't mean you have to do without things. It doesn't mean you can't buy things. It doesn't even mean you can't get credit. You just have to know that you have to go about things in a little bit of a different way. That is what this website is here for - People like you.
Prevent Identity Theft With A Few Basic Steps
Identity theft is a severe crime that is spreading annually. If you are a victim of identity theft you might spend months, possibly years, attempting to mend a damaged credit history. An extremely ruined credit file could compromise your opportunities of acquiring a new job, a bank loan, insurance or even rental housing. It's even possible to be arrested for a crime you didn't commit if someone else has utilized your identity to break the law.
Unfortunately, several of the means that criminals utilize to snatch identities are beyond your control to shield against. Although it is seldom, even store clerks have been known to take advantage of their position to pass along information to identity thieves. There are a few actions you could take, nonetheless, that can make it more difficult for a thief to swipe your identity.
Protect Your Credit Card Number When Making Purchases
Subsequent to you making a purchase and your credit or debit card has been processed through a credit card terminal, investigate to be sure that the printed receipt disguises every number but the last four digits of your credit card account number (most likely there will be Xs in place of the 1st twelve digits). Some terminals continue to print receipts that show all sixteen digits of an account number, and may even consist of the date the card expires too. After your card is swiped, you are authorized by law to mask the 1st twelve digits of your account number on the duplicate of the receipt that the merchant keeps. Apply any marking pen that can do the task.
When you dine at a restaurant, it is especially vital to be sure that the 1st twelve digits of your credit card number are hidden on your receipt. You may be in the custom of endorsing it and then leaving the restaurant's copy on the table after your meal. A criminal could simply swipe the signed receipt prior to the waitperson coming back around to retrieve it from the table. Don't take any risks.
Do You Really Have To Offer Your Social Security Number?
Another important way that you could protect against identity theft is to withdraw from offering your social security number except under the circumstances that it is definitely necessary. Although you have to give your social security number upon applying for a loan or for a bank account, sometimes a business or an organization will need to utilize it as an identification number, only to identify you in their network. This is a common routine although the law says that social security numbers are not to be maintained as identification numbers. In this situation, use your judgment. There's generally an alternative if you question.
Eliminate Forms That Include Sensitive Personal Information
Invest in a paper shredder and apply it to terminate forms you are getting rid of which include personal information such as credit card numbers, social security numbers, telephone numbers and dates of birth. This is critical to do both at home and your place of employment. Identity thieves are not above sifting through people's garbage to discover valuable personal information that could help them obtain credit in someone's name.
If The Worst Happens
If you do turn into a victim of identity theft, take the following actions without delay:
- Contact your credit card companies, stop your accounts and ask to have new cards sent to you.
- Place a fraud alert on your report with any 1 of the three major credit bureaus. The other two will be informed automatically.
- Put in a police report. You might need it to show to creditors as evidence of the illegal act.
- Put in a complaint with the FTC, which preserves a filing system of identity theft cases used by law enforcement agencies for their investigations.
Fred Hopkins is a 9 year consumer finance veteran, helping people prevent identity theft and protecting their credit. He also posts lifelock reviews, in addition to the wealth of information on http://www.mountaintopmtg.net.
Article Source: http://EzineArticles.com/?expert=Fred_Hopkins
Are Debt Settlement Companies Scams?
Along with the genuinely helpful firms, there are plenty of operations billing themselves as legit debt settlement companies. These debt company scams prey on debtors by promising relieved debt and empty their pockets forcing payment of outrageous fees.
About the AuthorFor starters, scams are a fixture on Internet pages scattered through the net. From 'scamdicapper' sites that 'highway rob' bettors & gamblers of their wager earnings to false charity sites, the best debt negotiation companies are hard to come by.
There are plenty of operations billing themselves as legit debt settlement companies. These debt company scams prey on debtors by promising relieved debt and empty their pockets forcing payment of outrageous fees.
As A Debtor It's Your Job To Be Careful When Getting Out Of Debt
Although hundreds of debt settlement companies scams are reported to the FBI by debtors and investigated by the Federal Trade Commission every day, there are some solid, bona fide debt settlement companies out there. Avoid the sketchy operations of scam companies by becoming acquainted with the best companies for debt negotiation.
Click on the menu choices on the top left for the best debt settlement companies listed at the bottom of each page. Only bonafide companies get rated.
The Debt Reduction Guide lists the internet's best companies known for catering to their debtors, many with a free debt negotiation plan without any obligation to join any service.
As with many businesses and operations, scam companies are as common as taxis in metropolitan areas. Discovering the top debt settlement companies and avoiding debt company scams is best achieved through solid research, thorough review of available resources, and the information splashed onto the pages of this debt negotiation and debt settlement site.
Remember, if you encounter scam companies or aren't sure of their legit status contact your Consumer Affairs or the Better Business Bureau, watchdogs against debt company scams and advocators of legitimate, truthworthy ones.
With a little legwork, sidestepping scam companies will become a dance.
Anne Campbell Helpful experts providing all the usefull advice you'll need for debt reduction, credit card debt elimination, the best online consolidation loans, visit http://www.kdebt.com/
Top 10 reasons to have your Free Credit Score Report
Your Free Credit Score Report is absolutely the most important piece of mind you need to have these days. How are you ever going to know what is being reported about you if you don't have a current copy of your Free Credit Score Report. Maybe you are applying for some type of loan and find out to your surprise that you don't have the credit score you really should have to get the best interest rates. I am going to give the top reasons why you should get a copy every 60 to 90 days. It is to most peoples surprise when they are told NO in regards to the following, or maybe someone stole your identity and you never knew about it. Here are the top reasons.
About the Author 1. To get that new "Dream Job".
2. To get the low interest rate credit card.
3. New Car
4. Identity Theft Protection
5. New House
6. Keep your current rates low on existing credit cards
7. Discover inaccuracies on your Credit Report
8. Because you were denied credit
9. Piece of Mind
10. An educated consumer saves money.
The previous list mentioned is so important because all of these items are part of our every day lives. If you are not on top of your Free Credit Score Report, you may not have got that new "Dream Job". Most employers are now pulling your credit report to determine if you are a responsible person. Your Report will say a lot about your personal life. If you have a history of not paying your bills, your new employer may assume you don't show up to work on time. A Credit Report says a lot about an individual, and that is why most establishments are pulling your in-file. There is talk also about Medical facilities pulling your credit with there credit scoring system to determine the likelihood of you paying back your medical bills. Read more at Dallas Morning News. No matter what you do, or how cleaver we thing we think we are, they will find out your Credit Score.
Identity Theft is also another huge reason to have a current copy. Every 3 seconds someone gets there personal information violated. Once this happens to you it is a major on taken to get cleaned up. All of this could have been avoided if you had monitoring of your Credit Report set up. Believe me I see this all the time with clients of mine, someone stole there credit and they had no idea. I think this article pretty much covers why you should not delay anymore. Get your Free Credit Score Report today with monitoring.
About the Author: Mike Clover is the owner of http://www.my720fico.com . My720fico.com is one of the most unique on-line resources for free credit score reports, Internet identity theft software, secure credit cards, and a BlOG with a wealth of personal credit information. The information within this website is written by professionals that know about credit, and what determines ones credit worthiness.
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