The best web-site that I’ve found for viewing all three of your credit reports would be; annualcreditreport.com. By going to the site, you can enter in your information securely, and you get re-directed to the actual credit reporting agencies main web-site. The sites are secure and extremely understandable. You can view each report at the click of your mouse, and save them to your computer for printing later, or to save as a file, so that you can view and print the next time you have a spare minute.

Another web-site that greatly helpful – and I’m sure you’ve seen the commercials – is; freecreditreport.com. they offer you the chance to view your credit reports for free and also to check on your credit score. The only set back is that you have to pay for a trial membership, which is okay as long as you remember to call and cancel the trail membership before your credit card gets charged. While this may sound like to much of a hassle, it’s actually nice to use this service, because they offer credit tracking and other advantages, so if you decide to keep the membership you gain the extra benefits of being able to learn more about your credit and how everything you do affects it.

Keep in mind that you can always call and request a copy of your credit report from Equifax, Experian and Trans Union. They are required to send you a free copy of your credit report once a year. If you request a copy an more than that, it will cost you between $5.00 and $10.00 extra. But keeping a copy of your report can be helpful and viable to learning and understanding your credit and credit history throughout the year.

]]> http://fixedcredit2009.com/the-best-places-to-get-a-free-copy-of-your-credit-report/feed/ 0 http://fixedcredit2009.com/avoid-credit-repair-scams/ http://fixedcredit2009.com/avoid-credit-repair-scams/#comments Mon, 11 May 2009 23:17:18 +0000 admin http://topcreditrepairadvice.com/?p=133 Credit repair companies find ways to alter the actual services that they will provide. Leading you to believe that the process they undertake will actually make your credit score better. That is far from the truth. Don’t believe them. Hold your cash. With a little self-discipline you can repair your credit yourself. Inquire about debt repayment. It will take time, but the overall process will save you headaches down the road.

Companies like these are non-reliable. They don’t do the work that you’re paying for and half the time, they split with your money leaving you to fend for yourself. Paying these companies the money you can use to pay off your debt is a risk that should be evaluated very carefully. Promises of buying a home, a car, insurance or your job is not the risk you will want to take.

There are warning signs you can look for if you are inquiring about any of these types of companies:

They want your cash before you see any work being processed

They hold information about self-help credit repair options

They want you to stay clear of direct communication with credit bureaus

Have you create an EIN (Employer Identification Number) instead of using your own SSN (Social Security Number)

Prosecute yourself by creating a whole new person (you will be liable for fraud allegations)

If you commit any fraud act by applying for any type of government application with false information, you’re subject to pay heavy fines and could incur prosecution involving jail time. By no means assess fraudulent acts of this nature. You will only create a bigger problem instead of fixing the problem.

There is nothing that you can do to remove accurate negative imformation from your credit report. However, you can amend any false transactions or errors and dispute such actions. This is free and backed by the Fair Credit Reporting Act.

]]> http://fixedcredit2009.com/avoid-credit-repair-scams/feed/ 1 http://fixedcredit2009.com/how-do-i-repair-my-credit/ http://fixedcredit2009.com/how-do-i-repair-my-credit/#comments Mon, 11 May 2009 23:08:38 +0000 admin http://topcreditrepairadvice.com/?p=127 Your credit is like your identity, it sticks with you where ever you go. You can’t hide or run from your credit. Maintaining a good credit can be real hard to do nowadays. You establish credit when you apply for that exciting brand new, never been used credit card. You very first credit card has so much potential. You find yourself thinking about all of the things that you can do with that card. You can also establish credit by applying for a loan. This could be at a bank, for school or anything that requires you take out a loan. Again, the sound of “yes, you’re approved” is exhilarating for you already know what you want to do with you new found wealth.

On the flip side of establishing your credit, credit cards must be paid back to the lending banks. Interest rates can make a phenomenal difference in the amount you have to pay back. Loans also have to be paid back. The same applies when it comes to dealing with interest rates. Anytime you apply for items or service that requires monthly payments, your credit will always be involved. Understanding credit scores, beacons, points and scales can help you manage your credit better, and in the long run, give you the ability to apply for any credit application and get “approved”.

However, for those of you who have treated your credit like a penny on the ground, credit repair options are available. There are numerous ways to repairing your credit.

· Consolidating all of your monthly payments into one payment

· Consulting a credit repair agency for credit repair advice

· Contacting an attorney to dispute negative transactions on your credit

· Take out another loan to payoff past due bills and then using the consolidating method to manage future payments

· Writing a letter to all credit reporting agencies letting them know of your economic hardship (if you use this method, do not apply, buy or accept any monthly payments that you may incur until you get a response from them)

Knowing what do to in order to repair your credit is the first step to finally being free of debtors calling, getting past due statements in the mail and lowering your credit score even further. It takes time to repair your credit depending on the severity of your credit score. But it is not impossible to attain. You can repair your credit.

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