|
Recommended Personal Budget Category Percentages Debt Settlement Truths - Answering the Critics A Review of LifeLock ID Theft Protection Service Will I Owe the IRS Tax on Cancelled Debt? How to Negotiate a Lower Interest Rate on Your Credit Card
3 Huge Tips to Reduce Credit Card Debt |
|
|
Although it's free, (it should be!) the site itself is fairly easy to navigate, but the process of getting your reports is not as simple. Annualcreditreport.com does not collect you reports for you. It sends you off to the three agencies websites through links and merely keeps track of which ones you've been to. Once at an agencies site, say Equifax, you follow the links to your free report, then follow the link back to annualcreditreport.com, which send you to the next one. This is very confusing in my opinion. Another beef I have is that you get very little assistance at the agencies websites. I guess I should have expected this, since you are not a "paying customer". Isn't it standard procedure that when you sign up for access to something online that you get an email with your username and password? Not the case here. I lost my access information and had to call Equifax to get it back. The others sent welcome emails, but never included any information on how to return an view your report. They warn you to print the report right then an there (big bold letters), giving you the impression that you will never see it again. They are partly right. I got around this by saving my report into an html document (in IE, File, Save As...). But I also figured that if you go back to www.annualcreditreport.com, you can go thru the same motions as before to see your report at each site. You can view the report for up to 30 days. |
Getting your credit report each year and reviewing it for errors and inaccuracies is a central part in maintaining good credit and getting out of debt. Never let a year go by without it, as lingering errors could be costing you money in terms of getting better interest rates on mortgages and car loans. Dispute errors and inaccuracies that you find and you will be on your way to better credit score.
Related Articles:
Good Credit Rules!
Having good credit is one of
the most important building blocks to financial independence.
Learn how getting good credit can help your life.
Follow these tips to
maintain a great credit score
Here are a bunch of tips and suggestions that will put your
score at the top and keep it there.
Learn valuable information
about credit reports
Find out about what could be on you credit report, types of
credit reports and how to get them for free every year!
How to avoid credit repair scams
By knowing what's out there, you can save yourself a ton of
money, headaches and time. Picking the right credit repair
strategy is critical to your financial future.
Improve your
credit score by disputing items on your credit report
By disputing erroneous, inaccurate and
unverifiable entries on your report, you can drastically improve
your score and save hundreds and even thousands of dollars in
interest.
A common question - Is
Credit Repair Legal?
Read my thoughts on the legal and
ethical implications of credit repair.
Get your free Annual
Credit Report
Read my review of
www.annualcreditreport.com and learn how to get your reports
free.
Do It Yourself Credit
Repair
Remove unwanted marks
by disputing them yourself. By applying some basic
techniques and using recent legislation to your advantage, you
can have adverse entries removed much sooner.
Sample Dispute Letter
Use this sample letter format to dispute
items on your credit report.
Playing the Balance Transfer Game
Using balance transfers to avoid high interest rates can work,
but watch out, you could pay for it in the long run.
Your Debt-to-Income Ratio
learn how this important number can play a big part in your
ability to secure a loan.
|
Most Popular Pages |
Personal Money Management Basics
|
Did You Know... |
49% of adults, and 66% of US high school students got F's on a national test on their knowledge of basic economic principles.
|
Food for Thought... |
"I'd rather go to bed without supper than rise in debt."
-Ben Franklin.
