Controlling your Debt

This is a very informative article about Controlling your Debt.

Click here now and read the rest

Making a Budget

Making a financial budget is vital in order to make sure all your commitments are met.

Read the full article about budget's here

Overdraft fees

Ever wondered why banks are forcing consumers to sign up for Overdraft fee protection?

Read the full article here

How Does Bankruptcy Affect My Credit?

Ever wondered how filing for bankruptcy would affect your credit?

Where to pull my Credit Report

Good Morning everyone, I found this great place to pull all three of your credit reports. They have a service called Credit Monitoring Premium, and it's super cheep. They will give you all three credit reports and all three credit scores.

Click the link below to get them!

https://www.usaa.com/inet/ent_logon/Logon

Consumer Web Watch

I found this website I'll share with you. It doesn't really have that much stuff on it but, it did have a decent PDF download.

Here it is, just click on the URL below. It's pretty informative!

http://www.consumerwebwatch.org/dynamic/financial-reports-creditsites.cfm

Credit Bureau Investigations

WOW! Credit Bureau Investigations are full of crap! I actually just ran across this article and I am so glad someone actually put this out there.

That's why Credit Repair is so frustrating and just a pain in the butt.

You have got to read this article

Click Here to read it!

Credit Cards

I found this article on MSN Money. It's pretty disturbing information.
The article is titled: 10 Things Credit Card Issuers Don't Say

Check it out

http://articles.moneycentral.msn.com/Banking/CreditCardSmarts/10-things-credit-card-issuers-dont-say.aspx

Consumer Rights

Consumer Rights is very important and it's a must that you know your rights under Federal Law. Here is a website that you will need to get familiar with. I suggest that you search for FCRA and FDCPA. This will outline your rights under Federal law.

Click here to read more about the FTC and Consumer Rights.

What's in your Credit Report

Hey Everyone,

          I wanted to share a website with you. I don't know if you have ever heard of it but it's called MyFico.
This site has a lot of cool information on it. I go there to find out about stuff this company is up to.

They have this article titled: What's in your Credit Report

It's a really good site. Click Here to check it out!

I know your gonna love this site if you are trying to find out information on credit.

What is a Credit Report

I'm actually new to this whole Credit Report thing. I want to share information that I've discovered in my research.

What is a Credit Report?
Well, a credit report unfortunately helps companies determine if they are going to give consumers a line of credit. There is a lot of information on our credit reports. Most commonly is our name, address and employer. This is the first few little things that show up.

Next, your credit report will show something called public records. These public records are items like Bankruptcies, child support and tax liens. It's more like if you were to go to court over something and a judgment is placed against you.

Next, your credit report will show delinquent accounts. These accounts can be from anywhere.  Normally, they are accounts that "we just forgot about". I say that because when I moved out of my last apartment I really didn't want to pay the final electricity bill. I don't recommend you do that. It showed up on my credit report and I had to negotiate to get it removed.

Then it will display your positive accounts and your closed accounts. I have a lot of closed accounts. Nevertheless, you want as much positive credit as you can get.

Then you'll see your credit score at the end.

So, the question is, What is a Credit Report? In short a credit report is a report that shows how responsible you have been in your financial commitments. It's important to keep the integrity of your credit report.

I hope I was able to explain it enough, if you want a more clearer explanation I ran across this site that had a really good post.

Check it out if you want to! Just click here!

Actually I'll just help everyone out and I'll post all the sites that have really good information.