Free Credit Report -vs- Free Credit Score

Most people believe that their credit report is the most important document to keep an eye on. Well..Yes and No. Sure, it’s an important first step to perform, i.e. getting your free annual credit report. BUT HERE’S THE UGLY TRUTH: When it comes time to get that auto loan or mortgage loan, most lenders will go straight to your credit SCORES and NOT your credit reports. Your credit report only provides the raw data that goes into figuring out what your score is. Your lenders may or may not even bother taking the time to peruse through your credit report to see what factors affected your scores

BUT HERE’S THE PROBLEM:
Annualcreditreport.com does NOT provide your credit scores! You have to purchase them individually from the 3 major credit bureaus in order to see them.Your scores do NOT come free with your annual credit report.

But once again, it’s your SCORES that ultimately determine whether or not you’re considered creditworthy for that loan you’ve applied for. Your SCORES are what’s used to set your loan interest rates for mortgage loans, auto loans, personal loans, etc. The better your score, the lower your loan interest rates and monthly payments. So it’s vital to check both your free annual credit report AND your credit scores as well. With the former, you can obtain these files for free once an year from annualcreditreport.com. For your credit SCORES, there are various free credit score trial offers available here:

Free Credit Score Comparison Chart
Name Ratings Credit Scores You’ll Receive Credit Bureaus Monitored Trial Period Other Benefits
free credit score

All 3 Scores:
Experian
Equifax
TransUnion
Experian
Equifax
TransUnion
Free 7-day Trial Free 3 Credit Scores. 3 Bureau Monitoring
freecreditscore

Single Credit Score Experian
Equifax
TransUnion
Free 7-day Trial Free Credit Score. $1 Credit Report. 3 Bureau Monitoring
myscore

Single Credit Score Experian
Equifax
TransUnion
Free 7-day Trial Free Credit Score. 3 Bureau Monitoring
myscore

Single Credit Score Experian
Equifax
TransUnion
Free 7-day Trial Free Credit Score. 3 Bureau Monitoring

THIS NOTICE IS REQUIRED BY LAW. Read more at FTC.GOV. You have the right to a free credit report from AnnualCreditReport.com or 8773228228, the ONLY authorized source under federal law

freeanualcreditreport

So why do these trial offers exist?

Simply put? So you can try out their services (credit monitoring or identity theft prevention) and see if you’ll like it. After the free trial period, many individuals will continue with the paid membership because they’ve experienced and liked the benefits of the service. Ofcourse, many will simply cancel the service during the free trial period. But they at least get to see their 3 credit scores for free. (*For detailed price comparison of such credit monitoring services, visit this site for the best credit monitoring service).

Average Credit Score

Consumers and borrowers from around the country all have different credit scores. When using FICO, this score normally ranges from 300 to 850 and is an indicator of your reliability when paying back loans. Lenders use this number to quickly gauge whether or not they should give you a loan or line of credit. While it’s not an in-depth look at your credit as a credit report, your credit score is still a highly important number. The higher the score, the lower risk you are to a potential lender. This goes beyond just seeing your 3 credit reports or your free credit reports from all 3 bureaus.

When looking at your credit score, please also keep in mind that different lenders use different scoring models. The most common is FICO and this is used by the 3 main credit bureaus – TransUnion, Experian, and Equifax. This number, as mentioned above, ranges from 300 to 850. However, there are other different credit scoring models which use a different number range. Some may go 501 to 990 and others go 360 to 840. When looking at your credit score, it’s also important to know which scoring model was used. Since FICO is the most commonly used, that is what this article will focus on.

In America, the average FICO score in 2014 was around 690. This is much higher than even a few years back when the average scores were in the 685 range. Some say the current trends are showing consumers becoming more financially responsible.

If you are looking for your score online, you are probably wondering if your score is good enough to get a loan to buy a new car, house, or even take out a new line of credit. Your free annual credit score isn’t really free however. But there are free trial offers available for it.

You are probably also curious how your score stacks up against others in your age or income bracket. Let’s take a look a closer look at the numerical value of your score in a quick breakdown:

Below 649 is normally considered a poor, but usually repairable score. You either have a lot of unpaid debt or you have no credit at all. You may have trouble getting a loan. You most likely will not be able to purchase a new car or home with this score. It must first be improved. If your score is low, try a secured credit card to rebuild your credit. Additionally, begin paying back old debts.

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650-700 is considered the “average” range. You most likely have some debt which exceeds your ability to pay off. You still may have trouble getting a loan within this score range, so first try paying off your debt. Most lenders will not issue you a loan or line of credit with this score. You may be able to get a basic credit card.

700-749 is considered a good score. You may have a little debt, but you are paying it off in a timely manner. Most lenders will be happy to work with you as this score range shows you are a reliable person. Most credit card companies will approve you at this level as well.

750-850 is an excellent credit score. With this score, you will be able to get an auto loan, home loan, and use the best credit cards with the best rewards. Opening a line of credit will be easy. Lenders will be more than happy to offer you loans. Once you reach this score range with your credit, maintaining it will be key to the rest of your financial health in the future.

How to Avoid the Risk of Credit Score Damage Caused by Maxing Out Your Card

Putting a lid to the expenses you make on your cards is a big step to raising your score and preventing damage on your credit report if you’re to have a good rating. Judging from my present and daily experience of asking consumers questions, I’d say that a great number of people are still yet to find out the exact factors that puts them into financial trouble. Unfortunately, these troubles start from somewhere and one of the sources is the plastic money carrier given to us by banks and other companies.

The principle used by bureaus to calculate how much points they should deduct from your total free credit score gov (freescorereportgov.com) when using your card is based on the balance ratio formula. It is always expressed to the hundred. What I mean by this is that the total limit given to you on your card is considered at 100 percent. This is then compared against how much you’ve expended. If it is discovered that you’ve been spending close to the limit or you’ve been extravagant enough to max out your card, then you can be sure that you’re planning a financial suicide. Or in figurative terms, you’re on gradually on the brink of bankruptcy. Your card-provider interprets this to be financial desperation and thus report it to the bureaus.

The safe and positive option which will help you avoid the risk of damage to your file and also add good extra points to your total is to stay within the 20% zone. This is what I consider the “comfort zone.” For instance, if your total is $ 50,000, keeping your expenses below $ 10,000 will ensure that you’re building a good score gradually.

In any case, you’ll find the option of acquiring a restoration kit for the removal of other damage-causing accounts useful. This will be the point where you begin repair work on your file. Fixing your file is worth the effort when the benefits are considered, even if you’ve got a few negatives for your [linkoptimizer:1].

Visit do-it-yourself-credit repair or credit repair services to learn more on raising your credit score 200+ points to get approved for car, home and credit card loans.

10 Questions to Ask About Your Free Annual Credit Report

10 Questions to Ask About Your Free Annual Credit Report

In a world where spending is reduced and budgets are smaller than ever, the credit score can often be forgotten in place of everyday life events. Many consumers are hit with the reality of a lower than average score when they try to apply for new credit in some form. Keeping track of your history is important for establishing new credit, maintaining current low interest rates and keeping a hold on your worthiness. When choosing a free annual credit report (free credit report gov com), there are 10 questions many consumers have about these reports.

1. What is a free annual credit report? The Federal government ensures every consumer can watch their rating by forcing the three main credit agencies, Equifax, Experian and TransUnion to offer one free report each every 12 months.

2. Who are these credit bureaus? Credit bureaus are businesses that collect credit information based on the reports of their partners. These partners can include mortgage lenders, banks and utility companies to name a few.

3. How is new information reported? The lender keeps in contact with the bureau via computer. The lender chooses how often to report the status of the loan, but every 30 days is the most common report time frame.

4. Are all three reports the same? Each of the free annual credit reports will be different. Not every lender chooses to report account status to every bureau. In some cases, the credit score will differ greatly between the three which is why a combined, or average, score is often taken into account.

5. Who can see my free annual credit report? Only you can request the free file. However, in certain cases, others can see your credit information. If a consumer gives permission for a loan check to be run, the credit file will be accessed. Courts of law also have permission to access the credit file with due cause.

6. How long are files kept in regards to lender reports? The files in a credit history can stick around for as long as 10 years. Tax liens are shown for up to 15 years. Good reports normally remain on file for a minimum of seven years and requests for information drop after two years.

7. When is the first free annual credit report available? From the age of 18, a credit history will be available for every social security number in the United States. Often, these first reports have little or no information and may come with a lower than average credit score because no credit history has been established.

8. How often should I check my [linkoptimizer:1]? Three files are available every year. One from each credit agency. While a minimum of one request a year is suggested, the consumer can choose to run one report every four months if they switch credit bureaus each time.

9. How is information on a credit file changed? If a problem is found on a report, the consumer will need to file a complaint. Once proof is found that the problem is not at the fault of the consumer, it can take 30 to 60 days, or more, for the information to be fixed.

10. Will be credit score be lowered by claiming the free annual credit report? No. When a consumer requests their own credit file, there is no affect on credit score.

11. Will the credit score be lowered by claiming the ­Free Annual Credit Report? No. When a consumer requests their own credit file, there is no affect on credit score.

For more information please visit ­Free Annual Credit Report [http://freeannualcreditreportz.net].

Article Source:
http://EzineArticles.com/?expert=John_Alton

Free Numerology Report – The Science of Numbers and How figures influence Our Lives

If you are just getting started off with numerology then you’re at the moment beginning to understand the rules. I would recommend getting a free numerology report since this will help you find out the common definitions and philosophy of numerology.

Numerology is the study of figures and how they relate to people, locations and activities. You as you have numerous number assigned to you. Your beginning day, personal protection quantity, telephone number and address are a few examples. The question is do these numbers have value in shaping your lifetime. Many believe numerology figures do reveal several things and also by acknowledging this could easily streamline your lifetime significantly.

When you are getting a free numerology report among the first set of figures reveled for you will be your life path quantity. This quantity is easily produced from your beginning time. It’s very easy to determine everything course quantity yourself. The life span road quantity signifies an over-all plan of your life. Here you discover possibilities and challenges that lie ahead for you personally. I do believe associated with the life path quantity as a road chart of my life. This quantity will provide me path to adhere to but we nonetheless intend to make just the right choices and remain regarding proper road or I become lost.

Whenever I very first got a free of charge numerology report we though this would be like a bunch of predictions for my life. It is really not; it’s a lot more like suggestions for you that’ll make life more standard and enjoyable. The near future is not set in rock along with the option of following your life path quantity and rise to great potential.

Wish to know what your Life route Numbers shows about yourself? Make sure to use the Free Numerology Report provided from this web site. Here you could find just how a numerology calculator determines any numerology figures and their particular meaning.

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Hong Kong PolyU Design Annual Show

This year, I was fortunate enough to attend the Hong Kong Polytechnic University (PolyU)’s School of Design Annual show. The school recognized that design is no longer a “one-way street” and that the underlying theme for the show would be “Response”. This was chosen to emphasize communication and interaction in the making of good design. Here are some interesting design concepts I came across:

Satisfact10n by Amy Ling

Satisfact10n provides not only tips to make traditional Chinese cooking easy, but also the knowledge in its ingredients’ nutritional values. It is a platform where customers can exchange cooking tips and health knowledge. It aims at continuing the affinities carried in a traditional Chinese grocery store where the personal relationship between the shop owner and the customer is treasured.

Loner Lamp by Lai Cheuk Kee

The Loner Lamp is an interesting concept exploring themes of loneliness and companionship from the creative mind of Cheuk Kee. Where your typical lamp turns on when you switch it on, the Loner Lamp only lights up when you hold onto the handle. Once you put it down, it ceases to light up until someone else picks it up again.

CAP by Amos Woo and Sharon Ng

“CAP” is a pinhole camera which uses recycled paper to make its body and the skeleton. This project aims to remind people about the need to pay attention to the Earth’s resources. “We want people to be impressed with the possibility of paper molding by making a pinhole camera. We designed (the camera) to use the most simple mechanism in taking pictures,” say Amos and Sharon.

Adding to their eco-initiatives, the pinhole camera actually has another extension where a plastic bottle can be used as a tripod for long exposure photos. “We also designed a joint for the camera to adapt to plastic bottles selling on the market as a tripod for the long exposure of photos. This came from our own experiences as pinhole camera users. We believe this can really help users as they can have a tripod easily from the plastic bottle from their hand,” added Amos and Sharon.

Foldabox by Rachel Wan & Mandy Wong

Many people would prefer dining out, rather than bringing their own lunchbox to work as it may cause many troubles such as leakages of juice, bringing multiple bags, and time wasted in lining-up for the microwave oven. For these reasons, the FOLDABOX set was designed especially for office ladies, bringing them a warm, convenience and new eating style.

The Design Concept is as follows:

The FOLDABOX set includes an Induction Cooker and a foldable lunchbox. The IC cooker can solve the time wasting problem in lining- up for a microwave oven as users can use it to reheat the lunchbox at their own desk. With the special folding design, it can be folded such as a piece of paper is folded. Users can fold it to a smaller size storing inside their bags after use.

You may find photos of the PolyU students’ designs at Vidafine.com.

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How to Survive An Affair – Free Step-By-Step Report and Review

You’ve come to this article, and you’re reading this because you want to know how to survive an affair and rebuild your relationship to that healthy state once again and keep it there and/or make it even stronger. You’re not alone. Read on for a review and how to get your free report.

This program, How to Survive an Affair was developed by Dr. Frank Gunzburg, a LICENSED psychologist that has specialized in helping couples deal with cheating and infidelity for over 30 years. With this proven system, you will learn that, as impossible as it may seem, there is hope.

In this step by step program, you will learn the following:

How to cope with the initial shock of discovering the affair (page 12).
You will learn about the nine most common questions you will ask yourself after you’ve found out (page 13).
You will learn how to heal yourself from the onslaught of negative thoughts (page 26.)
You will learn a visualization technique for overcoming obsessive images in your head (33.)
You will learn seven keys to unlocking love and respect for yourself (page 35.)

These are to just name a few!

For the cheating partner, you will learn the following:

How cheating is defined (page 41).
You will learn healthy ways to process your emotions (page 46).
You will learn six paramount rules for ending an affair (page 50).
You will learn about the work you need to do to rebuild the trust that has been destroyed (page 52.)
Will your partner ever trust you again? You’ll find that out on page 56.

These are ONLY a FEW of the key issues that you will discover and learn and put into practice in Dr. Gunzburg’s program.

As a life coach, I encourage people to set and obtain goals in different areas of their lives and to move forward in a positive way. This in-depth program is paramount for dealing with the actual problems and issues and also gives steps to heal and move forward and not repeat negative behaviors. It doesn’t just dwell on the issue and blame it on a childhood event or events, for example. It provides action steps that you can take now.

So many people have gone through this program and have an even healthier relationship.

This comprehensive program will teach you how to heal as a couple and provide steps to move toward healing. There is so much more to learn, and I’ve only touched on the tip of the iceberg with the program in this article.

For more information on How to Survive an Affair and get your free step-by-step report, start healing and rebuilding your relationship HERE.

This article was originally posted in Ezine Articles.

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Debt Consolidation Loans- Credit to pay off all your Debts

There are many bills which go on pilling up due to lack of funds. Then at a certain period the person has to clear them off but it is not possible due to lack of cash. At such time Debt consolidation loans can facilitate you with instant funds.

Debt consolidation loans are important device worn by the customers to organize their fiscal debts. It is advanced against refuge. They are secured as well as unsecured credits. These credits are fit made to ensemble the customers interests.

The amount borrowed by the client depends upon the collateral. It reduces the outbound payments and integrates all the clients finances into one manageable credit. The cash granted is efficient to deal with all the expenses. The interest rates are dependent on the clients financial status.

They are used for tackling consumer debt. The lenders do not require for a disburse slip the basis being they insist for security collateral, which is the only testimony; they have to keep trail of the borrowers. The property the borrowers keep as collateral has to be tax-free or else it is not qualified to the lenders as collateral. As the name projects, these credits are vacant online.

Debt consolidation loans do not avail of any obligations. These hold no restrictions as to how the client uses his or her credits. There are also wide number of websites that make provisions for these funds through the online method. Therefore, it becomes very convenient for the borrower to mail his details and acquire a good suitable deal within a small gap.

The processes are simple and do not require any kind of paperwork which saves time and effort. Bad creditors can avail this credit without any issues. These are available to tenants and homeowners as well. These offer the facility of using credit cards as well.

 

Antonio Vargas has been associated with finance world. His articles provides useful knowledge to find the various types of loans through debt consolidation loans bad credit

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Rothbury, Northumberland – House to Many Delightful Yearly Celebrations

The city of Rothbury in Northumberland sits alongside the River Coquet and boundaries the Northumberland nationwide Park. Much like various other small cities in Northumberland, Rothbury enjoys a continuing movement of visitors contemplating walking trips and outdoor getaways.

Town of Rothbury can trace its roots back once again to around 1100 AD; the Anglican cross in the middle of town is its oldest reminder of pre-conquest times. In 1204, the city had been turned over to the Lords of Warkworth. In 1291, Rothbury became a booming market town, working in cattle and wool trade. Much like other nearby cities, Rothbury also enjoyed wide range from sales of crafts and timber doing work.

Service to Newcastle, Rothbury’s closest neighbor is present via coach. No longer does Rothbury take pleasure in the train solution that once served its townspeople. As soon as the local racecourse closed in 1965, a large part of tourism dollars vanished. Rothbury proceeded to thrive, nonetheless and now enjoys an amazing place in the cycling and walking tourism industry.

Every year, Rothbury is home to several festivals and bazaars that draw crowds from far and wide. Rothbury is a tremendously household oriented city, pleased with its heritage and tradition. Might 25th, visit the Rothbury Food and Craft Festival and savor treats from regional pubs and restaurants. You’ll pick up some amazing treasures handcrafted by local Rothbury artisans. There was many entertainment for the youngsters, too.

Nestled near to the edge of Scotland, Rothbury clings tight to its ancestral origins. Whenever you visit Rothbury, enjoy cycling, fishing, kayaking and a great deal of walking activities. The city of Rothbury houses a large number of bed and break fast inns. You will end up charmed because of the local people and their passion for making brand new buddies. Do not skip the annual conventional Music Festival. See performers from about society perform within quaint Northumberland city.

For accommodation in Rothbury go here list of Rothbury accommodations.

Very Bad Credit Loans: Poor Creditors Must Grab the Opportunity

If you have harms linked to funding and entail currency then you must take the facilitate of Very Bad Credit Loans. An individual with horrific pecuniary score must take the gain of this finance moderately than borrowing from your associates and family, which is really discomforting. These funds are chiefly made vacant for the people who have the nastiest circumstances of their economic surroundings.

Very Bad Credit Loans will help the awful credit scorer to get hold of a relaxed currency along with satisfactory era for settlement. These proceeds can be used to suit many of your desires such as you can pay your bills which are pending, some of your debts can also be cleared, or if not you can use this wealth to restructure your credit reputation good as before.

The hopeful can seize the lead of these funds in two forms. The two types are secured form and unsecured form. However, overall fondness depends on the borrower regarding, for which kind he should go for. If the applicant prefers to go for a secured form of loan, he will have to present some of his possessions to the lender as guarantee. In addition, if the borrower goes for unsecured form he would not be inquired to give any collateral instead, the borrower can avail cash free from pledging belongings.

Online mode is the harmless and the greatest method to gain money. The borrower has to surrender the filled claim form along with his mandatory essentials. This form after getting the hand of the lender goes for substantiation and this proof makes clear that whether the person is definite for getting the loan or no.

Online way accumulates your time of giving a stopover to the lenders place numerous times and there is no paper certification compulsory to avail this money. This fund gets positioned in the bank account of the candidate on its permission.

Tom Dikkin is a well known author and has been writing content for Loans for bad credit . His content is worth reading as it gives you an insight about different aspects of loans for bad credit & bad credit loans instant decision . Please visit For more info http://loansforbadcredits.co.uk/

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Why Conferences and Annual Meetings Are NOT Evil

Thanks to the media vilifying a few apparently out-of-control jaunts by corporations who had to be bailed out, many companies are now reconsidering their own meetings and conventions. Meetings are being portrayed as frivolous expenditures when people are being let go.

I say – STOP THE INSANITY!

If we keep buying into all the doom and gloom the media is generating, this recession will last forever. I find myself on the verge of panic until I actually compare the numbers and see that I’m ahead of last year. I read the projected worldwide unemployment figure and think I should make a “Will Speak for Food” sign and stand by the side of the road.

We have to get a grip. Here’s what I know:

1.) Sound business practices before the recession are still sound businesses practices. We weren’t holding meetings and conferences because we wanted to throw money away. We were holding them because they WORKED! Employees felt rewarded. Skills were updated and sharpened. New ideas and big deals were put together in the corridors between sessions. Conferences and meetings MADE US MONEY!

2.) We need these meetings more than ever. What message is sent to an already overworked and underpaid workforce when the annual recognition event is cancelled? How about these: We’ve given up. We didn’t fire you, yet. Why train you? We’re probably going under. Hold your regular event and you say: We believe in you and our organization. We pursue excellence. We have not yet begun to fight.

3.) People need to come together. Most of the organizations I speak for only bring everyone together once a year. This is the only time they get to see all of their co-workers, the only time they hear from upper management. And you are going to do away with this??? We should probably be meeting MORE in these tough times not less. E-mail and the teleconference are not good enough. You want to motivate your troops – get in front of them in person. Bring them together. Technology is a great thing, but it can not replace face-to-face interaction. You want to save money or build a team?

4.) Conferences and company meetings provide things that are vital – information, training, reward & recognition, a sense of affiliation & belonging. If you cancel them, how will you provide these things? If you competitors continue to send their people to conferences and hold meetings, what will that mean for you in the long run?

5.) DO NOT PANIC! I have heard that one of the state governments I work with has cancelled all conferences through 2010. State conferences include training for school teachers and child nutritionists as well as police, fire and EMS workers. I don’t know about you, but I would like these people to have the most current information available. And why give up this early in the game on 2010? Why give up at all?

6.) Spend wisely. I’m not saying you shouldn’t be wise in your spending. You may re-examine what happens at these events and the per capita expense. But let these decisions be guided by your good judgment, not worry over media blather. For example, if you have always taken your people to a top resort, before you decide to meet in the CEO’s backyard, consider what that location means. Do your people regard the event as a major perk – and thus a benefit that you would be taking away? Some of the events where I speak are held in posh places and that is the ONLY time many of the attendees get to go to such a place. They feel special and honored and it increases their company loyalty. Getting them off site also encourages them to be more creative and to leave behind the daily distractions. Before you slash the budget, consider all the ramifications.

7.) You know best. You know your organization better than anyone in the media or any outsider. You know what works for your people and what doesn’t. Have faith in your knowledge and experience. If you lose good people or don’t get good results, think anyone will sing your praises because you saved some money?

8.) Would you rather have 15 poorly trained, unmotivated employees or 10 highly trained, fired up employees? I don’t think I need to say more.

Denise Ryan, MBA, is a Certified Speaking Professional, a designation of excellence held by less than 10% of all professional speakers. She is a blogger http://motivationbychocolate.blogspot.com

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