Wednesday, July 27, 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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Bad Credit Car Loans: Getting Behind the Wheels With Bumpy Credit

A car with bad credit, just like any other car, will give you the ride you want. Okay, they might not be served on a platter but if you need a car…. but they are worth the ride. Customers suffer from bad credit circumstances do not mean they are bad people. It only means things happened! And every loan lender that is providing you with bad credit car loans do understand that. With car loans for bad credit you not only get the car you want there are added surprises on the runway.

Chances that you are getting Bad credit car loans are extremely bright. Banks, credit unions, finance companies all are providing loans for bad credit. People who would not qualify for bad credit car loans just five years ago can now easily meet the criteria.

When a borrower has bad credit, it will be a good start to begin with credit report. Every borrower is assigned credit score based on his performance with previous loans. It is a three digit number that most of the lenders use to evaluate the risk while lending you car loans. Each one of the credit bureaus – Equifax, Experian and Trans Union will have a copy of your credit report. Most lenders use Fico score which ranges from 300-850. Fico score 580 -500 and less means bad credit. This means you are heading for bad credit car loans. Now knowing your credit score is important for many lenders can take advantage of your ignorance.

Okays, assuming that you do know your credit score – let’s talk about bad credit car loans process. There is not much difference, yet there is a significant difference. Interest rates and down payment is the place where real difference shows. Interest rates with bad credit car loans will be higher as is the case with any bad credit loan. So there is no escaping that. Interest rates for Bad credit car loans [] would vary with credit score and will range from 5%-26%.

Down payment depending on the severity of the bad credit can range from 20%-50%. Bad credit car loans are short term loans. A down payment is a good way of negotiating bad credit car loans interest rates in your favour. Even small down payment can open some seriously good options for bad credit borrowers. Bad credit loan term will range from 2-5 years. Extending it further won’t be beneficial in financial terms.

Not every loan lender will be offering bad credit car loans but there are lenders who are ready to take the risk. You will find many lenders offering bad credit car loans. Therefore, it becomes necessary for you to search. There are many lenders who would make false claims. Look around for interest rates and terms offered. Compare the various bad credit car loans and then opt for the best one.

The best way to protect your investments is knowledge. An uneducated lender will always pay more for bad credit loans. First know the real cost of the car you want to purchase and add the dealer’s profit. This will be the bad credit car loan amount you will be applying for. Make sure you can afford it. Just because you can get bad credit car loans doesn’t mean you have to take it. If you have hesitations regarding repayment refrain from borrowing until when financial condition is better.

With Bad credit car loans there is an added benefit. Bad credit car loans are a great tool to rebuild credit. If make no faults with your bad credit car loans then they can actually improve credit. Your performance with bad credit car loans is bound to shine in your credit report if it is good.

Many borrowers who think that with bad credit they have no options and have to take whatever they are offered. This of course is not true. There are many options available with bad credit car loans. Therefore look around carefully. You will find that the search is worth it. You will save a lot in the long run. Plan ahead when you are looking for bad credit car loans and you are bound to find a bad credit car loan that places you behind the wheels you want.

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ID Theft Prevention and Recovery Service: Are You Protected?

Identity theft is the fastest growing consumer crime in the United States. According to the Federal Trade Commission, approximately 9.3 million individuals are victimized by the crime every year, so it’s no wonder that more and more people are turning to ID theft prevention services to safeguard their identities. But consumers aren’t the only ones at risk. Any size business, whether a giant corporation or a small business, must be vigilant to protect themselves from ID theft.

ID Theft Prevention Service Vs. ID Theft Insurance Vs. Credit Checks:

Identity theft experts agree that using an ID theft prevention service is the most effective way to protect against ID theft, but note that consumers and companies can also take matters into their own hands by using common sense to protect their identities. Some preventative measures include keeping copies of credit card information in a safe place, obtaining their credit reports from the three major credit bureaus once a year, and implementing credit freezes.

Some ID experts also recommend purchasing ID theft insurance, but the benefits of an ID theft prevention service far outweigh the benefits of ID theft insurance. The insurance covers some of the expenses to deal with the aftermath of identity theft, but it does nothing to prevent it. Even the National Association of Insurance Commissioners states that ID theft insurance “cannot protect you from becoming a victim of identity theft and does not cover direct monetary losses incurred as a result of identity theft.”

Instead of insurance, consumers, corporations, and small businesses should invest in an ID theft prevention and recovery service that is proactive and provides comprehensive protection against ID theft. There are many competing identity theft prevention services out there, and not all of them offer the same level of service.

The Most Effective ID Theft Prevention and Recovery Service:

The Identity Advocate has been researching the best of the best services for preventing ID theft and what to do if it happens to you. We believe the most proficient and comprehensive identity theft prevention and recovery service in the marketplace is Entrust America. It is the only ID theft protection company with a 100% track record of recovering stolen identities over the past five years of providing ID theft prevention services to corporations and consumers alike.

One of the most unique things about Entrust America is that the company has a proprietary partnership with law enforcement nationwide. The company’s network of law enforcement professionals recovers identities and ensures clients across the entire United States get back to pre-theft status. As law enforcement professionals they also have the ability to get fast and accurate results that would be nearly impossible for victims to achieve on their own. In addition to providing ID theft protection and recovery services, Entrust America pursues and assists with the prosecution of ID theft perpetrators.

Entrust America’s ID theft prevention services include:

• A 24/7 hotline for members to call if they suspect they have been a victim of ID theft. Most competitors do not offer round-the-clock support. These on-call identity theft specialists quickly determine whether a fraud has occurred and, if so, which of the over 40 different kinds of identity theft have been committed.

• Overnighting an ID Theft Resolution Kit that includes forms to be submitted to the IRS, DMV, Social Security Administration, and the three credit reporting agencies. An identity theft affidavit and forms specific to the type of ID theft are also included.

• Reporting the identity theft to members’ local authorities and creditors, requesting that creditors cancel existing cards and issue new ones, and placing a security freeze on members’ credit records that lasts for seven years. Other ID theft prevention services only place a credit freeze on records for 90 days (if they offer this service at all).

• Contacting members with status updates whenever there is activity on the case, and following-up with creditors to ensure that they properly repair the members’ accounts.

• Recovery specialist who are all law enforcement professionals. They have the time and expertise to immediately launch a full investigation into the identity theft, completely reverse damages, and bring the identity thieves to justice.

• 100% recovery of members’ identity to pre-theft status. No other ID theft prevention and recovery company has a better track record of reducing the likelihood of a member’s identity being compromised. Entrust America gives members total peace of mind.

These are just a few of the many ID theft prevention and recovery services Entrust America provides its members. Learn more about Entrust America and the comprehensive services the company provides consumers and corporations to prevent and recover from identity theft by visiting

Entrust America is the only ID theft prevention service endorsed by The Identity Advocate, a leader in the education, training, consulting, and investigation of ID theft. Visit or call 310.831.4400 for more information.

Linda Vincent, R.N., P.I., is an identity theft, medical identity theft, and healthcare fraud prevention expert specializing in medical consulting and investigations. She is the president of The Identity Advocate, which teaches corporations, professional practices, and consumers how to stop identity theft, medical identity theft, and healthcare fraud. Visit or call 310.831.4400.

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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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