Free credit report

Free credit reports have never been easier to get. You can still go the traditional route and pay for them, and then wait to get them in the mail. Or now you can get them online instantly and best of all for free. Now you can get access your credit history anytime you want and anywhere you want.

Your credit report list your credit history. They track every single payment you’ve made or haven’t made on things such as credit cards, mortgage payments, car loans etc. When you payments are late or worse if you forget to make any payment on any form of credit it shows up in your credit reports.

This can become a major issue when you are seeking new credit such as getting a new credit card, buying a car or house or even for things such as renting an apartment. By getting your free credit reports, you can make sure that there are no errors and that you will not be denied what is yours. Remember your credit reports can affect major elements of your financial future so it pays to be informed, and accessing your free reports can never affect your credit rating. And, if you do find an error in any of your credit reports we can help you fix-it.

In the United States there are three major credit reporting agencies or credit bureaus: TransUnion. Equifax and Experian.

Free credit report

    Free credit report: 3 credit scores

    Credit reports are based on information relating to an individual's place of residence, place of work, when they pay their bills, credit card loans and repayments and other information related to financial transactions. Credit reports can be accessed for free from the three national credit bureaus; Equifax, TransUnion, and Experian. You can access one free report every year from the bureaus all at once or you can space them out.

  • Different financial institutions use different (and often a combination of) bureaus to determine your financial credibility before giving you access to credit.
  • It is possible to have enormous variation between agencies. Hence it is important to regularly check to make sure you are not accidentally in credit rating trouble because of some administrative error.
  • Just checking your credit score reduces it a bit. Do not try it too often.

Free credit report

    Free credit report: FICO Scores

    FICO scores are so-called because they were introduced into the market from the Fair Isaac Corporation (FICO) which came up with the software. 90% of top lenders use the FICO score to make decisions on who to lend to and who not to lend to. These scores are deduced only from information contained in consumer credit reports from the bureaus. They are arrived at by comparing this information to the patterns seen in past credit scores with the aim of estimating a consumer's future credit risk.

  • 35% of your FICO score is about your payment history. It is all about whether or not you have liens, settlements, repossessions, foreclosures and so on.
  • 30% is about debt burden, in other words, the loans you already have and that you owe to financial institutions.
  • 15% is length of your history, or how long agencies have been collecting information about you.
  • 10% is about the types of credit that you used. Good variation of types of credit help with the score.
  • 10% is searches: if you are trying to get loans and companies are running your credit, this is where the information is stored.

The website was set up by US federal government and it will let you get a free credit report every year.

Free credit report

    Free credit report: The good & the bad

    Base FICO scores range from 300 to 850. High scores represent a lower risk and that's what every consumer should aim for. While the majority use this score to arrive at lending decisions, different lenders have different strategies. This includes the level of risk that they deem acceptable for particular credit products. There is no set cut-off score and lenders consider other factors to arrive at the final situation.

  • Although used to predict risk of default, this is not really the case, especially if lenders themselves are reducing tolerances and are guilty of looking the other way just to make numbers.
  • Having multiple credit cards and even raising a card's limit is a way to improve your ratings

Free credit report

    Free credit report: Questioning your credit score

    Ideally, your scores from the three credit reference bureaus should be the same. However, this can only be so if you request the reports at the same time. This is because your information keeps changing as you pay off debts, bills and conduct other transactions. If there are errors in the reports, you need to write a report to the bureau concerned and let them know about it. Incorrect information can affect your score negatively so it is important to take action to correct it.

  • You must question errors as soon as possible. The longer the error stays, the worse the damage.
  • Some employers check your credit and errors may influence employment decisions by mistake.

Car loans

It is more and more common for people to buy a car on credit. You see more and more ads for cars and the cost per month. But is it really a good choice to borrow money to purchase a car? And which loans are available?

Borrow Money Fast

We have all run into abrupt financial problems such as a trip to the emergency room, broken car or forgotten bills. In such cases, you need to get access to cash and fast. You can have money in your pocket like almost immediately with personal loans and credit card advances. You can also ask for a loan from your credit union or bank, but this takes a bit more time. Before you accept cash from your first willing lender, take a few minutes and think, especially if you have bad credit or no credit. The chances of getting high interest rates from fast cash are high.

I need 1000 dollars now for free

I need 1000 dollars now for free

People need 1000 dollars now for free? How to Make 1000 Dollars Fast? It may depend on how resourceful, smart and hardworking you are! You may need it for an emergency, to start a new business or just because you want 1000 dollars now for free. It all depends on the effort you are willing to put, resources you have and the time you are willing to spend to get 1000 dollars now, but the truth is it is definitely possible to get 1000 dollars now for free. People are making $1000 EVERYDAY out there, so why not you?

What is The Cheapest Way to Borrow Money Short Term?

There are many reasons why you might need to take a loan. You might borrow money when it’s profitable i.e. you earn more with the borrowed funds than what you pay as interest. Also, you might borrow money because you do not have any other option. Borrowing money is not an easy process as you can end up using up all your money on high bank charges and interest rates. The following are some effective ways to borrow money:

Cheap Personal Loans without income proof

Cheap loans, cheap equity loans, cheap home equity loans, cheap mortgage loans and cheap student loans without a cosigner are available online as well as through various financial institutions in every main street in the USA, UK and Australia. Similar offers for fast cheap loans can also be found via online vendors, including cheap payday loans online and cheap refinance loans online. Remember that what seems cheap at a first glance could become too expensive for you to carry in the future.

Can you get a loan without a job?

Can you get a loan without a job? If we are talking about taking a loan with a bank, then the answer is yes: you do not have to have a job that provides you a regular paycheck. With that said, you need to either have a source of income of some kind, some collateral such as your car, or another person that will cosign the loan for you. These are the only realistic alternatives to get a loan without a job.