Monday, May 30, 2016

Check Your 3 Credit Scores Online Instantly for FREE!

Do you know what your 3 credit scores are? Well you should because lenders, banks, credit card companies all use your credit scores (NOT your credit report!) to determine your creditworthiness. Your credit reports only provides the raw data that’s used to compute your scores. It determines what your loan interest rates will be and whether you’ll be approved for a loan. But did you know your free govt credit report (i.e. annual credit report) does NOT include your scores? You have to pay to see them from each of the 3 credit bureaus.

But through these free trial offers below, you’re able to see them for free. Based on customer feedback, we rate these as the Top 5 free credit score offers out of the many other free trial credit score offers you’ll see on the net.

Our Rating:
Scores Available: All 3 Scores – Equifax, Experian, TransUnion
Trial Period: 7 day free trial

No wonder this offer tops the list as the very best one. They allow you to see ALL 3 CREDIT SCORES! – Equifax, Experian, and TransUnion scores. Not too many of the free trial offers you’ll see on the net will provide this comprehensive view. Since lenders, banks, creditors, etc view your scores, it’s important to see your scores. And you don’t know which score your lenders will pull to access your creditworthiness. So it’s nice to see them all. Rememebr, it’s your SCORES that banks, etc, utilize to gauge your creditworthiness. It determines your loan interest rates, being approved (or denied credit) for a loan, etc. View Offer

Our Rating:
Scores Available: One Credit Score
Trial Period: 7 day free trial

Go Free Credit will show you your free credit score. Also conveniently view your credit report for $1. It saves you from having to jump thru hoops to see them like you normally have to with your annual credit reports! They also monitor all of your 3 credit reports for free as well. Get instant access to your credit score by registering for free. Simply click the button below to begin. Within minutes, you will be viewing your score from the comfort of your own computer. View Offer

Our Rating:
Scores Available: Equifax, Experian, TransUnion (choose one)
Trial Period: 7 day free trial

With My Free Score Now, you can view your scores from one of the 3 major credit bureaus – Experian, Equifax, or Experian. Get a personalized report containing the factors which determine your credit score. They also offer a monthly report which monitors your credit so you can protect yourself from fradulent activity. Get started with your free 7 day trial and view your credit score right now. Simply click the button below to get started and gain instant access to your score. View Offer

Our Rating:
Scores Available: Equifax, Experian, TransUnion
Trial Period: 7 day free trial

With Free Score Connect, your credit score from one of the major report bureaus is just a click away. Just fill out a simple form to register for your free 7 day trial and you will be able to view your scores from their secure website. To get started, click the button below and you’ll be taken to their easy and secure form to request your credit score. Nice benefits and features avialable. Get started now! View Offer


Why Do I Need To Know My Credit Score?
You need a healthy credit score for just about everything these days. Want a credit card? Credit card companies are going to look at at least one of your 3 credit scores before they give you one. Need a loan to buy your first home. You’re going to need a very high credit score. Ready to buy a car? Guess what. They’re going to check your credit score.

Not only do you need a decent credit score just to be considered for financing, your credit score will also determine the interest rates you have to pay. A few points in one direction or the other and you could be saving or paying many thousands more over the course of your loan.

Why You Should See All 3 Credit Scores Instead of Just One
Credit bureaus rely on your lenders/creditors to report the status of your current loans/debt, but sometimes lenders fail to report this information accurately. Nor do they always report this information/data to all 3 credit bureaus. As a result, some people find that their credit scores vary dramatically from bureau to bureau. Let’s say you applied for a loan in the near future, and a potential lender looks at the “wrong score” or all 3 scores…

You should ofcourse obtain all 3 credit reports as well so you can dispute any inaccurate data or information in order to improve your credit score. This will help you get the lower interest rate loans.

Getting Your 3 Credit Scores for Free
Americans are entitled to one free credit report every year. Unfortunately, your free credit report does NOT include your credit score. But your SCORE is what matters when lenders analyze your loan application and to figure out your loan interest rates. This is why we’ve compiled a list of the best free trial credit score providers and reviewed them above. Your free credit score is only a few clicks away when using these services, and a few will provide you with all 3 credit scores. They’ll even conveniently provide you with your credit reports from all 3 bureaus for virtually free (just a $1 processing fee).

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3 Alternatives For Refinancing With FHA Mortgage Refinance!

Do you wish to enjoy or require a few of the money you have actually invested in your property over time or must you lessen your mortgage repayment? Refinance loans permits home owners for a few of the equity from their houses as well as enables you to decrease their particular mortgage payments. FHA home loan Refinance can help you to lower your homeloan payment on your FHA loan and acquire you a lower life expectancy rate of interest.

To start out the refinancing process you’ll need more information. There are below 3 choices of FHA residence refinancing you should think about.

The FHA Cash Out Refinance Alternative

This program are great for you if your home has increased in value as you have purchased the house.

The FHA money Out Refinance option enables you to re-finance your existing real estate loan by getting another mortgage loan for longer than you presently owe. The old home loan is paid down and you’ll have the distinction between the old loan balance and the amount of the brand new home loan in money, therefore the name regarding the choice (Cash Out Refinance).

This option lets you use the built up equity doing anything you wish to accomplish with-it.

FHA Streamline Mortgage Refinance

This option is known as a streamlined refinance mortgage because you can lessen the attention rate on your own existing home loan even more quickly and simpler. Most of time this option will not need an appraisal.

FHA Streamline Mortgage Refinance requires less paperwork for the loan provider thus decreasing the price and also the time needed to shut. A couple of demands for this alternative will be the original mortgage loan should be a FHA mortgage plus the refinancing must eliminate monthly interest payments.

Although you can benefit from FHA Streamline Mortgage Refinance by reducing your monthly payments you cannot obtain money back at closing as if you can utilizing the FHA money Out Refinance choice.

Refinancing A Non-FHA Loan To A FHA Loan Home Loan

If you fail to have a FHA loan it is possible to re-finance it to a FHA Loan Mortgage you could maybe not utilize the FHA Streamline Mortgage Refinance alternative.

When your current home loan is a regular home loan it is possible to re-finance it up to 96.5 LTV (Loan to Value). The Loan-to-Value ratio may be the number of the initial mortgage expressed in a portion to the present appraised value of your home.

This can provide for a sizable home loan in the event that you meet all of the needs.

Utilizing FHA refinancing to re-finance your home home mortgage is normally easier and faster than utilizing other styles of refinancing.

FHA home loan Refinance enables the homeowners make use of the equity in their house for most things such as assistance spending money on their children university training, or take a fantasy vacation, or simply just to repay greater interest debts. Where to find additional information about FHA Refinance financial loans could be the Internet. Available numerous sites that may help you to decide the best option available!

You can start pursuit at FHA Home loan Refinance where you will see information about all sorts of house refinance also tested FHA Loan Suggestions [] if you want to refinance FHA financial loans.

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A Productivity Program That Pays for Itself: Identity Theft Protection

By now, everyone has heard about Identity Theft or perhaps knows someone who has been a victim. While we consider the alarming statistics about this epidemic-like crime and wonder when it will target us – and how we will resolve the situation when it does – pro-active employers are taking steps now to protect their employees from Identity Theft and at the same time, increase their company’s productivity and liability protection.

For a victim of identity theft, the impact is not only felt through their credit accounts and computer security. The most daunting aspect of ID theft is resolution. According to the non-profit Theft Resource Center, the average amount of time it takes a person to address an ID theft incident averages 330 hours – the equivalent of 8 work weeks. Since the agencies that need to be contacted in the course of ID theft resolution keep office hours similar to other businesses, victims must necessarily take time from their duties at work to call, fax, email and otherwise interface with these agencies, banks, credit card companies, etc. – all of this adding up to lost hours in the workplace.

Independent studies have indicated that around 48% of employees take time of work for legal related problems in any 12 month period. The amount of time taken from work solving these problems is an average of 51.5 hours per year. As the average hourly wage approaches $ 24.00 per hour, those lost hours represent a cost of $ 1,236 to the employer for each employee. When the total statistics of annual identity theft are compiled through the national data, the US is experiencing more than 3 billion hours lost in the form of personal days or workday distractions.

Since most of the independent research shows that the majority of Identity Theft takes place in offline contexts – paper records, open file drawers, overheard conversations – pro-active employers are now taking action to fully protect not only their employees, but their own business, customers, vendors and other stakeholders. The solution is remarkably cost-effective and actually pays many dividends for human resources departments and the employees they serve while preventing lost work-hour productivity for the employer.

Identity Theft Protection as a Voluntary Benefit

According to Business and Legal Reports, “…an affirmative defense against potential fines, fees and lawsuits is to offer some sort of identity theft protection as an employee benefit. An employer can choose whether or not to pay for this benefit. The key is to make the protection available, and have a mandatory employee meeting on identity theft and the protection being made available, similar to what most companies do for health insurance…”(Jan ’06)

In his book, The Silent Crime – What You Need to Know about Identity Theft, authors Michael McCoy and Steffan Schmidt write about the benefits of employee Identity Theft protection programs and specifically, about the ID Theft and Legal Services Plan offered by Pre-Paid Legal Services, Inc. and their ID Theft and Restoration partner, Kroll Fraud Solutions, “…the service provided by Pre-Paid Legal… is clearly the 800 pound gorilla in the room on ID theft protection. It would be our recommendation to upper-management and Human Resource Directors to add such a product to the benefit package. Not only would this make a person a more loyal employee, it would save the employer from losing productivity during the weeks and months that employees with identity theft problems are preoccupied with fixing their problems.”

When employees experience a breach of their identity security, the employer is now protected as well because the employees won’t be spending time and money dealing with situation. The employer is protected as well if an employee declines protections and subsequently is a victim of ID theft, because the employer has signed documentation that the employee declined coverage.

The overall effect of Identity Theft protection is diminished if the protective coverage does not include restoration to pre-theft status. Without this restorative clause, employees will still be spending time and money resolving their credit and identity issues.

The best form of Identity Theft protection should include:

Monitoring of all Credit Activity
Monitoring of Personal Information Databases i.e., DMV, SSA, MIB, Post Office, etc.
Monitoring of Minor’s Identity – since all children have Social Security numbers
Restoration of Credit and Identity records to Pre-theft status – acting on behalf of victims

About 4 out of 10 people report experiencing identity theft or know someone who has. Nearly 9 in 10 consumers would consider purchasing ID Theft Protection Services. The rapid expansion of identity theft makes it nearly certain, as does the ease and low cost with which protection can be added. Employers can create a safer atmosphere at the workplace, increase productivity through the reduction of lost work hours and provide an opportunity for employees to secure themselves from potentially disastrous circumstances by tackling this issue proactively.

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What ID Theft protection product does Morgan Wright, Cyber Security Analyst, carry for himself and why? Listen at 2:32 in. It’s the best you can get folks. I can help!
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3 Major Credit Bureaus – Which One Should I Contact?

There are 3 major credit bureaus that have information on your regarding your credit history. Anyone that has ever applied for a loan or credit of any kind has a file at one of the 3 major credit bureaus. Since merchants usually report to only one of the 3 major credit bureaus, you may have to request a free report from all three to get an overall look at your credit report.

To request a free credit report from either or all of the three major credit bureaus, all you have to do is to request a free report online. You can also send the request by mail and you have to provide all your personal information. There are sites that will charge you for a credit report from one of the 3 major credit bureaus, but it is necessary for you to know that by law you are entitled to one free credit report a year. You should contact the credit bureau directly to get your free report.

When you do receive your credit report from the 3 major credit bureaus there are certain sections of this report that you need to pay particular attention to. The first section details your name and address. You should check this to make sure that it is correct. If there are any inaccuracies in this section, you need to contact the credit bureau that sent the report with the correct information.

The next section will give details of your current bills. Each of the three major credit bureaus may contain the same information or one of the three may have different information regarding your credit history depending on which merchants report to that credit bureau. You should also note that you might have an excellent credit record with two of the 3 major credit bureaus and a poor rating with the other.

Check the listing of your bills, the amount of the payment and the due date. If you have been late with a payment or missed one altogether, this will show up on the credit report you receive from the 3 major credit bureaus. You also need to check to see who has been inquiring about your credit history to make sure that no unauthorized person or company has been making inquiries without your permission. When you see that everything is as it should be, then you know that your information is safe with the 3 major credit bureaus. If there are any inaccuracies in the debt information, you will need to contact the credit bureau to start taking the necessary steps to have it corrected.

There are 3 credit bureaus and you need to know about them if you are concerned about your credit report.

To download a free copy of Peter’s Credit Repair book visit Peter’s Website Credit Repair Answers and find out about Credit Bureaus and more, including Credit Repair Services, Free Credit Reports, and Online Credit Repair.

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FBI Reverse Mortgage Warning

The FBI recently released a Fraud Warning that reverse mortgages are being used to target scams involving seniors. This is the real thing, most news stories talk about how the senior is being taken advantage by the lender or loan officer when in fact most of those cases turn out to be that the borrower was talked into putting the funds into an annuity or some other investment. In these cases the borrower never loses money they just limit their access.

In this case the FBI warning points out the real problem is that Builders, Realtors and others talk the senior into buying a house with nothing down and it is really a property flipping scam that enriches the person flipping the property. It is totally illegal and I have had one case where I had to turn a senior and their builder friend into the FBI and the HUD Inspector General. My company has had several other inquires but we can tell very quickly now when it is a scam.

The key strategy is to recruit the senior to become a party to the scam and cheat the lender out of money that goes to the person doing the flipping, the benefit to the senior is that they are told they will end up with the home for free. The scam artist are even running ads and putting on seminars saying that you can get a home for free.

The unfortunate part to this whole thing is that it will give a product that does so much good for so many honest senior citizens another black eye. The reverse mortgage is helping many older American’s to keep their homes and to live more comfortable lives; these types of scams are run by a few and end up creating problems for the majority of people that really need it.

If you know someone that is 62 or older and they are either thinking about getting a Home Equity Conversion Mortgage or you think they could live a more fulfilling life if they got one, help them do some research and find a reputable lender to work with. My firm is in 22 States and of course we would love to help but there are many good quality lenders you can work with. Call a few and see if they will give you specific details over the phone, if they won’t you should keep looking, we give complete quotes and detailed information to folks even if they are in a State we cannot lend in.

I have been in the Financial Services industry since 1979 when I started as a Loan Officer for Wells Fargo Mortgage. Since then I have acquired my Securities Registration, Investment Adviser Representative Registration, Real Estate License, Insurance License and Mortgage Broker License in 22 States.

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