Free 3 Credit Bureau Reports and Scores – Reviews

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

Experian
Equifax
TransUnion
Experian
Equifax
TransUnion
7-day Free Credit Scores from All 3 Bureaus in Seconds. 3 Bureau Credit Monitoring.
myscore

Credit Score Experian
Equifax
TransUnion
7-Day Free Credit Score. 3 Bureau Monitoring
myscore

TransUnion Experian
Equifax
TransUnion
7-Day Free TransUnion Credit Scores. 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

Free Gov Credit Report vs Free Credit Score Offers

Everyone is entitled to see their free credit report gov once an year from the government. That’s a given. But what’s left out of this ‘free credit report gov’ equation is your 3 credit SCORES. Problem is, your credit score is in many sense the most important information you want to see concerning your credit. It determines whether you get approved for unsecured credit cards, mortgage loans, auto loans, personal loans, etc. It also determines your mortgage interest rates. So yes, getting your free credit reports from all 3 bureaus is an important start, but ultimately it’s just the raw data or “exam questions” that’s used to determine your “final grade” or SCORE so to speak. Currently you do NOT receive your 3 scores for free from the government. You have to go to each credit bureau, fill out their lengthy app form, and pay full price to see them. Or, you can try out one of the free 3 credit score trial offers (usually offered by credit monitoring or identity theft prevention services).

One of the big attractions of free credit score trial offers is that you often get to see both your scores AND your credit files for free or virtually free ($1 fee) during the trial period. They often have these $1 deals where they’ll obtain your 3 credit reports as well. (Ok, well, it’s not technically free, but I think it’s well worth the $1 fee since you won’t have to jump thru hoops and go thru the lengthy & convoluted application process like they put you thru at annual credit report ;).

So why do these trial offers exist?

Simply put? So you can try out their services (credit monitoring/identity theft prevention). After the free trial period, many individuals will continue with the paid membership because they’ve experienced and liked the benefits of the service. Others will ofcourse simply cancel the service during the free trial period. But they get to see their credit scores for free.

So what’s the best trial offer?

The simple rule of thumb is to find the offer that provides the most information about your credit rating. Some offers provide your free credit score from one credit bureau while others will provide credit reports and scores from all 3 major credit bureaus. Others will sign up for trial offers which provide the longest free trial period. It really varies from individual to individual. The comparison chart and our reviews should help you to decide.

REVIEW:

WINNER: YourScoreandMore – Your Free Credit Scores from All 3 Bureaus
This service provides free access to all 3 credit scores very quickly and conveniently. It’s become one of the most popular method for accessing one’s free credit scores from all 3 major credit bureaus – Experian, Equifax, and TransUnion. Other services might only provide a free credit score from one credit bureau. It’s definitely a nice thing to see all 3 scores since those numbers vary from bureau to bureau. Potential lenders may choose to see your scores from more than one source. There’s also daily 3 bureau credit monitoring for identity theft protection and peace of mind. (more details…)

MyFreeScoreNow — Free 2014 Credit Score
The new kid on the block. Features include Instant Score from one of the credit bureaus. A personalized report of factors affecting your current credit score. Email alerts of significant changes to your credit report. An updated credit score each month. Notice of who is looking at your credit. Worth checking out. (more details…)

MyScore – Free TransUnion Score
Monitor your information from all 3 credit bureaus. Also see your TransUnion free credit score. Up and coming new service. There’s daily 3 credit bureau monitoring for all 3 credit files as well – TransUnion, Equifax, and Experian. There’s a credit hotline to answer any of your questions. (more details…)

CONCLUSION

Seeing your free credit reports from all 3 bureaus is important because it gives you details of your credit profile – your so-called ‘free government credit reports’. But you also need to see your credit score since that’s ultimately the grade you’re getting from all that data. Once again, the 3 credit reports you get from the govt will NOT include your scores. You need to obtain them separately by ordering them directly from the 3 bureaus or via these free trial offers. Most of these sites have learning resources and tips for helping you to raise your credit score. By understanding how to raise a score and what can lower the score, a person can make conscious decisions to better his or credit to achieve the interest rates that are desired. The free credit score seems like a no brainer, but you need to realize these are all trial memberships. You do need to cancel the membership before the free trial ends if you choose not to continue with it.

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What Is Tesco Credit Card?

With the advent of technology, especially in this new millennium technology, this includes managing your money. Gone are the days when people bring cash to the supermarkets or shopping malls or fast food chains. Today people are using credit cards and debit cards for payment of purchases and gift cards and vouchers and points of demand and card transactions. In this vein, many economists and experts predicted that there will be a time when the company will be a cashless society.

One such company is Tesco, which are actually a British grocery store and the third largest international retailer in the world. Tesco Credit Card is a card type that is more attractive and interest rates, among others. Tesco Credit Card has no interest in its first year, so it is a good protector, and can easily earn points as you can get one point for every purchase of 2 euros. These points are converted to a quarterly bonus in which you can use the voucher to buy online or in Tesco stores. Points can also be converted to miles when using Air Miles for your trip; you can also use the 10% discount on your travel insurance.

In addition Tesco Credit Card is safe from fraud security. In addition, advice to the fraud you do not give your PIN, not to provide personal information and update your antivirus and spyware forever. Besides, if you receive fraudulent emails, attach those emails in a new and send it immediately to phishing@tescobank.com or contact their telephone number is 0845 300 4350 for immediate assistance. Even Tesco Credit Card has been praised for its low interest rates and offer; it is undeniable that some complaints of his rough and not empathetic to other consumers are discouraged from using their credit cards. It is then important to conduct research and surveys on their own before getting one.

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Common Credit Score Myths

A lot of credit score myths about fico score ratings get spread around and some of them are just outdated information. Sometimes even lenders can give you the wrong advice and it can get confusing. But the bottom line is bad information can cost you money no matter who you get it from.

Fico score ratings are used for most mortgage lending, which means, you need to know what will hurt or help your credit score points. To make it clear, here are some of the most common credit score myths.

* Checking your credit report will hurt your credit score

Checking your own credit report and credit score counts as a soft inquiry and does not go against your score. However, if anyone else like a lender or credit card company is checking your credit report, this is considered a hard inquiry and will generally knock off about 5 credit score points.

The credit score rating system treats multiple inquiries in a 14-day period as just one inquiry. The system ignores all inquiries made within 30 days prior to the day the credit score is computed. So if you want to minimize the damage from credit inquiries, shop for a loan in that short period of time.

* Closing old accounts will improve your credit report score

Sometimes even lenders will tell you to close your old and inactive accounts as a way for improving your credit report score. In most cases, closing old accounts will actually have the opposite effect with the current credit score rating system.

Canceling old credit accounts can actually lower your credit score because it makes your credit history appear shorter. If you want to reduce your levels of available credit, it’s better to reduce or close new accounts instead. Applying for new credit is more likely to lower your score.

* You need to check more than just FICO score rating

If you ever hear this from anyone, consider it a red flag. All of the three major credit reporting bureaus offer FICO credit score ratings using the formula developed by Fair, Isaac. Even though each one gives the scores a different name you only need a fico score rating from the three major credit reporting bureaus.

At Equifax, the FICO score rating is called the Beacon credit score. At TransUnion, it’s called Empirica. At Experian, it’s known as the Experian/Fair, Isaac Risk Model.

The reason each of the three major credit reporting bureaus will have three different scores is because they don’t all share the same data. So when checking your credit report, just make sure it comes from the three major credit reporting bureaus: Experian, Trans Union and Equifax.

Examine your credit reports from all three major credit reporting bureaus before you apply for a big loan like a mortgage. Fix any errors in all three reports before you shop for a loan because it takes time to correct your credit report.

* Credit counseling will hurt your score

The current FICO credit score rating system ignores any reference to credit counseling that may be in your file. The researchers at Fair, Isaac, the company that created the FICO credit scoring rating system, found that people getting credit counseling didn’t default on their debts any more often than anyone else.

However, any late payments you’ve had with creditors will hurt your credit score. Credit counseling can hurt your ability to get a loan because you probably have had trouble paying creditors.

Some lenders will back away if you are in credit counseling. Others may see it differently, but usually will charge you higher interest rates than if you had perfect credit.

The best way to improve your credit report score is paying your bills on time and paying down credit card debt. Check your credit report regularly for any errors and make sure you don’t fall for these common credit score myths.

Copyright © 2005 Credit Repair Facts.com All Rights Reserved.

Credit scores, on the scale assigned by FICO, range from 300 to 850. Who has an 850 credit score and what canyou do to get one? Less than 1 percent of the po…
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How To Identify Credit Repair Problems

There are great deal of Credit Repair Companies which offers Credit Repair aid for the people that have Bad credits; Even thus, it doesnt imply which they may really support we fix Bad credit promptly. Many instances, it may take some months to find the impact plus expense we many income. In an attempt to receive a loan there are numerous individuals whom receive hopeless and begin looking for those Companies that will do function about their Credit Report plus build it credit worthy.

It is genuine which there are many Companies that act found on the Repair of reports plus enable persons. The lot additional element is also true which there are great deal of Companies that advertize regarding themselves, thus which naive persons is hooked off their nasty earned revenue. These are largely tricks, that mark folks inside despairing need for a loan.

Credit Bureaus or Consumer Credit Reporting Agencies gather or gather information regarding mortals, their borrowing behavior, spending behavior plus repayment behavior. The Credit Bureaus then send this info to loaners. This really is definitely not against any law. Credit Repair demands having obsolete, inaccurate or unverifiable information abstracted within the reports gathered by the Credit Bureaus.

Credit Repair that is strictly legal could better lower interest rates, Credit scores plus protect visitors income. Companies that offer instant Credit Repair may be wastage of time plus cash. These firms may even provide suggestions that are from the courtroom law. Credit Repair that is truly efficient plus legal, is not a waste of time or funds is not instant. The Federal Trade Commission urges which customers should be aware of any Company that delivers instant Credit Repair.

They try to put the Credit files of the people whom have passed away or of the youth that are beneath age group of 18. They also try to put the files of people that are aged plus reside about additional states. They start off by getting their Social safety quantity. The agency steals the information away plus uses it to create a brand-new record for the people.

These companies or businesses come up with catchy plus lofty advertisings that swiftly catch the attention of the people. These are generally very aggressive inside their promise plus design the customer to create a unique account for them, inside that there may be no shadows of the past. This really is totally illegal that most persons are not aware of. The customer should take care of the construct which they dont fall prey to these firms, that are really associated inside certain or the different shape of illegal activity. There are conventional procedures of functioning out found on the Report.

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Discovia plus IDT911 Consulting Form Partnership to Offer Data Security, Analytics, plus Information Governance Services


San Francisco, CA (PRWEB) July 17, 2014

Discovia, a leading provider of electronic discovery plus connected services, has created a strategic partnership with IDT911 Consulting, a leader inside information risk security, administration, plus confidentiality conformity. Together, the 2 businesses usually supply businesses plus their counsel with contacting to aid avoid a damaging breach plus support with incident reaction planning inside the event a breach happens.

“Sensitive business plus legal info has become a useful commodity for hackers plus different thieves, as well as the financial, legal plus regulatory consequences of the information breach is serious. Discovia plus IDT911 Consulting might function together to aid the customers identify the particular vulnerabilities which place their sensitive information plus company performance in danger,” mentioned Discovia Vice President Kris Taylor.

A information breach is devastating to the financial wellness plus standing of the company, along with a clear information safety system is necessary to avoiding a breach. IDT911 Consulting’s seasoned team of experts offer useful, tailored solutions to support businesses plus law companies with conformity, info risk administration, protection, confidentiality plus information breach reaction services. Combined with Discovia’s expertise inside information analytics, forensics, plus info governance, the firms might provide proven protective plus incident reaction solutions to businesses plus their outside counsel.

“Many firms don’t consider a breach reaction program till it is actually “game day,” however by then it’s too late,” mentioned IDT911 Consulting CEO Deena Coffman. “Joining forces with Discovia signifies companies may have access to specialists whom will identify exposure points plus address info protection issues, plus function to safeguard their organization, employees, customers plus their bottom line.”

About IDT911 Consulting, LLC

A subsidiary of IDT911™ (IDentity Theft 911®), IDT911 Consulting offers useful solutions to aid companies avert, make for plus reply to a information reduction incident. The business offers preventative plus breach reaction services to over 600,000 companies inside the United States, Canada as well as the UK. For more info, please see http://www.IDT911consulting.com.

About Discovia

Discovia is a leading worldwide provider of electronic discovery services to businesses plus law companies handling litigation, internal plus ITC investigations, plus HSR Second Requests. Services include onsite plus remote information collections, information minimization, information processing plus hosting, expert application of leading technology-assisted review tools, document review administration, plus document productions. Through its proprietary processes, highly-automated procedure plus great skill, Discovia provides a 99.6 % precision rate, information culling rates of over 95 % for repeat customers, along with a web promoter score of over 60 %. Discovia is the initial eDiscovery services fast to deliver a fixed-price managed service, permitting Fortune 500 business legal departments plus law companies to gain a world-class eDiscovery function without building it internally. More info is accessible at 415-392-2900 or http://www.discovia.com.







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Corporate Social Responsibility 101: Working Wardrobes Offers CSR Tips to Help Businesses Make a Big Impact


(PRWEB) July 15, 2014

The employment experts at Working Wardrobes recently outlined the benefits of businesses having a Corporate Social Responsibility (CSR) plan, and offered tips to help implement one – to make a big impact over the long haul. The Orange County, California-based nonprofit that provides career readiness and life skills services to men, women, young adults and veterans facing difficult life challenges, says that in addition to having a positive impact on the communities in which we live, CSR can boost business too.

“Today, an increasing number of companies measure success by social and environmental impact, in addition to profits,” said Jerri Rosen, founder and CEO of Working Wardrobes. “CSR serves a number of purposes – from enabling an organization to stay compliant with business ethics and the law, furthering goodwill by giving back to the community, or by being environmentally responsible.”

Rosen said that before getting started, businesses should consider the benefits that a solid CSR strategy can bring, including:


    A positive reputation and increased brand awareness.
A recent study1 found that a majority of consumers are willing to recommend companies they believe are delivering on their social responsibility programs. And another study2 found that one in three consumers use social media to share positive information about companies and issues, and one in four use social media to share negative information. In today’s word-of-mouth-world, positive opinions about a company can help boost its reputation quickly and significantly.

    Increased sales and ultimately, enhanced revenue.
Today, CSR is also driving consumer behavior and purchases. If given the choice between two products of similar price and quality, most consumers will switch brands to one that supports a good cause2. Consumers will also boycott a brand if they learn of the company’s irresponsible business practices2.

    Improved recruitment, retention, and overall business processes.
Studies show that employee morale and loyalty increase when the company they work for offers opportunities through CSR initiatives3. And since companies look to hire the most talented employees, and many prospective employees seek organizations to work for based on what that company’s social conscious is, CSR also serves as a tool for employee engagement. Many companies are now encouraging their employees, at all levels, to get involved by volunteering and/or offering pro bono services, and the positive results are tenfold. Employees who feel good about the company they work for tend to be more engaged, which can lead to increased productivity.

    The positive results of making a real impact.
Simply put, affecting positive change is good for everyone involved. When a company helps change something for the better, by way of long-term corporate partnerships, monetary donations, or by offering volunteer services, the community as a whole improves.

Daniel J. McQuaid, President & CEO of OneOC, a nonprofit that accelerates nonprofit success through volunteer, training, consulting, and business services, says that all companies can benefit from implementing Corporate Social Responsibility initiatives.

“CSR opportunities are great for all size companies,” said McQuaid. “Many of our larger employers are already doing a wonderful job addressing our community’s urgent and unmet needs. However, we believe there is significant opportunity for more mid-size companies to follow suit. In Orange County, there are 4,500 companies with 50 to 1,000 employees that have an enormous potential to transform the landscape of our community through implementing giving and volunteering activities. For these companies, mobilizing CSR efforts can be an easy and effective way to build their teams and reap the benefits of being a good corporate citizen.”

McQuaid and Rosen point to the Civic 50, an annual study released by Bloomberg Business, National Conference on Citizenship (NCoC) and Points of Light, which identifies the nation’s most community-minded businesses4. The study evaluated S&P 500 corporations and how they best used company philanthropy and employee volunteerism to impact their employees, customers, and communities. The Civic 50 were evaluated on the following key dimensions:

1)    Make the commitment.

Once a company decides to focus on CSR initiatives, it should commit to putting a plan in place and carrying it out. Buy in from all levels of management is critical.

2)    Invest strategically.

Companies should decide how extensively (and in what ways) they can best apply their resources to give back to, and improve, the community.

3)    Complement your business.

A successful CSR initiative will complement and support a company’s own business interests. Companies should work to identify community engagement opportunities that align closely with their business goals.

4)    Foster the culture.

Companies with success in CSR have done their best to embed the spirit of giving into their corporate culture by incorporating it within company policies. They invite employees to participate in volunteer opportunities within the community, and many companies are now evaluating employee performance in part based on their participation with the company’s community engagement.

5)    Measure the impact.

It’s really not enough to have and implement CSR initiatives. Measuring the impact is vitally important. Gauging the performance of its community engagement allows a company to see where it is successful and where it is making an impact, what it can do to increase or enhance the impact, and what is working and what is not to optimize performance.

“Joining forces with a nonprofit organization is a great way to give back to the community, and finding a like-minded organization that aligns with the company’s mission, goals, or business interests enhances a CSR strategy,” said Rosen.

Jeff Coats, president and CEO of Irvine-based Autobytel Inc., pioneer of the automotive Internet and the company dedicated to connecting automotive consumers with dealers, says his organization signed on to support Working Wardrobes after creating T.E.A.M. ABT (The Employee Advocacy Members of Autobytel), an internal “Good Works Council” to focus its CSR efforts and to identify local charities to support.

“We firmly believe in the employment services Working Wardrobes provides to people overcoming difficult challenges, and we are continually impressed by the improvements Jerri and her team are making in our community,” said Jeff Coats, president and CEO of Irvine-based Autobytel Inc. “Working Wardrobes has served the Southern California community for nearly 25 years, and we’re proud to support its efforts in helping people in need find jobs. We encourage other businesses to offer their support as well.”

To learn more about the services Working Wardrobes provides, visit the nonprofit’s website at http://www.WorkingWardrobes.org, or call (714) 210-2460.

1 Reputation Institute’s 2013 Global CSR RepTrak® 100 study, October 2013: http://www.reputationinstitute.com/frames/events/2013_CSR_Press_Release_FINAL.pdf.

2 2013 Cone Communications/Echo Global CSR Study: http://www.conecomm.com/2013-global-csr-study-release.

3 Society for Human Resource Management, BSR and Aurosoorya Report: http://www.shrm.org/Research/SurveyFindings/Articles/Pages/AdvancingSustainabilityHR%E2%80%99sRole.aspx.

4 Orange County Business Journal 2014 Giving Guide: http://www.cbjonline.com/a1ocbj/supplements/Giving-Guide_1214.pdf.

About Working Wardrobes

Working Wardrobes is an independent nonprofit organization empowers men, women, veterans, and young adults overcoming difficult challenges to confidently enter the workforce and achieve self-sufficiency. The organization provides career training, job placement assistance, and professional wardrobe services in an environment of dignity and respect.

Since 1990, Working Wardrobes has grown to serve over 75,000 men, women, veterans, and young adults overcoming difficult challenges including alcohol and substance abuse, prison re-entry, homelessness, catastrophic illness, and traumatic financial losses. It assists CalWorks recipients, clients of social service agencies, and individuals in 60 shelters or programs in Orange County, Los Angeles, San Diego, and the Inland Empire. The Working Wardrobes social enterprise model serves as an example of self-sustainability to organizations nationwide.

Working Wardrobes’ current board of directors includes (in alphabetical order by last name): Derek Benson, Union Bank; Jodi Chavez, Accounting Principials; Anna Conrekas, US Bank; John Dickson, QBE North America, Inc.; Mandi Dossin, DGWB; Eric Eng, Experian; Harry Humphries, GSGI, Inc.; Bob Hurley; Stephen Kelley, Health Essentials, LLC; Michelle Koontz, Fluor; Darryl Martin, Sentinel Offender Systems, LLC; Emily Reynolds, ADP; Jerri Rosen, CEO, Working Wardrobes; Parker Schweich, Dorsey & Whitney, LLP; Jeffrey Shepherd, Hughes Marino, Inc.; Kim Shepherd, Decision Toolbox; Rich Shugg, Autobytel, Inc.; Carrie Swanson, The Boeing Company; Sandy Theriault, UPS; Patrick Tillich, Park West Landscape, Inc.; and Mike N. Vo, Law Offices of Mike N. Vo.

About OneOC

OneOC, formerly Volunteer Center Orange County, is a nonprofit 501c3 organization committed to accelerating nonprofit success through volunteer, training, consulting and business services. Serving Orange County, California, OneOC provides support and solutions to more than 650 nonprofit organizations and community initiatives each year. Building on a 52-year history of mobilizing volunteer action, the organization announced its new name on September 15, 2010 to signal the expansion of its integrated service offerings to help nonprofits become as effective and efficient about their mission as they are passionate. OneOC is affiliated with Points of Lights Institute and HandsOn Network, enabling participation in national community service initiatives and connection to a larger movement of change. For more information, visit http://www.OneOC.org.







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Working at Experian Data Quality

A day in the life of an Experian Data Quality employee. Learn what it is like to work at Experian Data Quality. Hear about our culture, our core values and w…

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In Moody's US college credit ratings, downgrades far outnumber upgrades

In Moody's US college credit ratings, downgrades far outnumber upgrades
Howard University's credit rating by Moody's Investors Service fell this month for the second time in the past year, largely because of concerns about money troubles at its hospital. But the historically black university in Northwest Washington has …
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Tampa utilities get stellar credit rating
TAMPA — Tampa's water and sewer departments got their credit rating bumped to the highest offered by Fitch, one of the three firms that evaluate companies and governments on their creditworthiness. Fitch gave Tampa's biggest utilities a rating of “AAA.
Read more on Tbo.com

Fitch raises bond rating for Tampa, but .4 million shortfall looms
The boost from "AA+"' to "AAA" is the second since 2011. A higher rating allows the city to hold down costs by borrowing money at lower interest rates. Mayor Bob Buckhorn welcomed the upgrade, saying economic stability at City Hall helps the local …
Read more on Tampabay.com

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Credit Report Secrets: Do You Know What They Reveal?

If you’ve ever applied for a credit card or loan, you’ve probably had your credit report reviewed by the lender. Your credit report has a huge impact on your financial future, so it’s well worth your time to be sure that you understand what your credit report says about you. Even if you’re not interested in obtaining credit, your credit report can impact other areas of your life. Potential employers view your credit report to assess your trustworthiness as an employee. Landlords frequently check the credit reports of their tenants before allowing them to sign or renew their lease.

So whether you knew it or not, your credit report can have a major impact on your quality of life. With this said I’m sure you can now see that there is a benefit to obtaining and then verifying that the information on your credit report is accurate and true.

You can request copies of your report from the three major credit bureaus: Equifax, Experian, and TransUnion. A recent amendment to the federal Fair Credit Reporting Act requires each of these national consumer-reporting companies to provide you with a yearly free copy of your credit report upon your request.

Basically, your credit report is a summary of how you pay your bills; repay loans; how much credit you have available; what your monthly debts are; and other types of information that can help a prospective lender decide if you are a good credit risk.

Your credit report is made up of several sections. The first section contains personal identifying information such as your name, current and previous addresses, social security number, telephone number, birth date, and your current and previous employers.

Your bill paying history with banks, retail stores, finance companies, mortgage companies, and others who have granted you credit is one of the most important parts of your credit report. Public records that might indicate your credit worthiness, such as tax liens, court judgments, and bankruptcies are also included in the section detailing your credit history.

Your credit report includes a comprehensive listing of all credit granters and other individuals who have received a copy of your credit report. In addition, lists of companies that have received your name and address in order to offer you credit are also included in your credit report.

Most credit bureaus allow both the consumer and the creditor to make statements if there is a dispute about something on the report. If applicable, your credit report will include these dispute statements.

Your credit report does not include bank account balances, race, religion, health, criminal records, driving records, or annual income. You’ve probably heard about a FICO credit score as well. Credit scores are based on formulas that use the information in your report, but they’re not considered part of your credit report.

Problems with your credit report will result in you either being denied credit or receiving a higher interest rate. Red flags on your credit report include excessive applications for additional credit, a short credit history, a high debt ratio, and late payments to previous creditors. In most cases, negative information will stay on your report for seven years. However, bankruptcy information stays on your credit report for ten years.

To help improve your credit report, always remember to close unused accounts, pay your bills on time, never use all of your available credit, and don’t apply for unnecessary credit.

Keeping an eye on your credit report is important but can be scary the first time. This tutorial will show you how easy it is to use Annual Credit Report.com…

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Clayton Homes Releases Financial Tips Infographic for Homebuyers


Maryville, TN (PRWEB) June 12, 2014

With the housing market on the rise again, people are taking advantage of the opportunity to purchase homes. However, prospective homebuyers have a lot of factors to consider first. Clayton Homes, the nation’s largest home builder*, understands this and is providing budgeting and buying tips to consumers in order to ensure the decision to buy is the best next step.

“Buying a new home does not have to be a difficult or stressful process,” said Kevin Clayton, CEO of Clayton Homes. “By planning in advance and following some simple financial tips, families will find the journey to homeownership much easier and very achievable.”

Some factors to take into account before entering the purchasing and financing stage of home buying include:


Budget— A good way to prepare for increased monthly housing expenses is to calculate what the increased amount will be and begin saving that same amount each month to prepare for the transition. Doing this and also calculating your current debt-to-income ratio will allow one’s lifestyle to transition in a way that can accommodate a new payment. Tools like a free online affordability calculator can help with this by predicting the amount of the new monthly payment.

Credit Score— A homebuyer’s credit score is one factor that will determine the type of loan and the interest rate that they may qualify for. Pulling a credit report can help make sure there are no errors that might affect financing. If there are errors on the credit report, homebuyers can work on having them corrected prior to applying with a lender for a loan.

Debt— It is important to reduce delinquency appearing on a credit report. Of course, it helps to have a report without any history of late payments, but the most important thing is to not have delinquent balances prior to getting pre-qualified.

Prequalification – Check with a financing company about prequalification options. Prequalification can often be done online and at home. Having an estimate from a lender about the available financing amount is a good way for the homebuyer to stay within their budget, even before home touring and browsing at the Home Center.

View the fun and helpful “Homebuyer’s Financially Fit Road Map” infographic.

About Clayton Homes

Clayton Homes has built more than 1.5 million homes since 1956, winning multiple awards for design and construction. Through its affiliates and family of brands, Clayton Homes builds, sells, finances, leases, and insures manufactured and modular homes, as well commercial and educational buildings. As the nation’s largest home builder*, Clayton Homes is a vertically integrated Berkshire Hathaway company whose purpose is opening doors to a better life, one home at a time.

*Largest homebuilder in 2012 as of 7/26/2013, based on a comparison of the number of manufactured homes sold to the number of site-built homes sold as reported by builderonline.com and the number of manufactured homes shipped as compared to all other manufactured home manufacturers as reported by the Manufactured Housing Institute.







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SEAL Innovation, Inc. Adds Seasoned Company plus Aquatics Leaders to its Board; Expands Series B Financing Round following Raising $2 Million


Raleigh, NC (PRWEB) June 25, 2014

SEAL Innovation, Inc., a wearable development start-up commercializing an innovative swim protection monitor, announces which seasoned company plus aquatics leaders Jan Davis plus David Fox have joined its board of directors.

“We are ecstatic to have Jan plus David join the board plus aid guide SEAL’s development throughout a important stage of the development,” mentioned Dr. Graham Snyder, SEAL’s co-founder plus Chief Executive Officer. “Their collective company, finance plus aquatics background plus experience is key to the achievement,” he added.

Jan Davis brings to SEAL over 25 years of experience leading development plus transformation for start-up technologies, advertising plus info businesses. She currently serves because President plus Executive Committee associate with Triangle Angel Partners plus advisory board associate with Launch Place Seed Fund, 2 funds which invested inside SEAL Innovation.

In addition, Jan holds advisory plus board associate positions with several firms including GSP, Spring Metrics, Three Ships, Market Vue Partners plus ShowingTime. Her before experience involves President plus Chief Executive Officer of ShopperTrak RCT Corporation, Organization Unit President at TransUnion, Inc. plus co-founder of the venture-backed database advertising fast. Jan received a B.A. inside English Literature plus M.B.A. within the University of North Carolina. “I am honored to serve found on the SEAL board,” Davis mentioned. “I have worked with numerous technologies firms over time, as well as the SEAL SwimSafe™ has ideal possible to supply both social value plus financial benefit. I look forward to using SEAL’s board plus leadership to bring this innovative technologies to market,” she added.

David Fox, Goldman Sachs’ Managing Director plus Southeast Region Head for Private Wealth Management, furthermore serves because a nationwide consultant with all the firm’s institutional customer solutions company. An accomplished competitive swimmer, he earned a gold medal inside the Men’s Freestyle 4x100m relay at the 1996 Olympics plus 4 gold medals at the World University Games. David attended plus swam at North Carolina State University where he received a B.S. inside Civil Engineering. During his collegiate profession, he claimed 7 ACC championships, 1 NCAA nationwide championship as well as the NC State Alumni Association Athletic trophy. After retiring from competitive swimming, David earned an M.B.A. within the University of North Carolina.

“SEAL SwimSafe™ may dramatically alter the danger dynamics inside swimming protection,” Fox believes. “I look forward to its release plus to the journey ahead with all the Board plus broader SEAL team,” he added.

The Board expansion coincides with SEAL raising almost $ 2 million inside interim financing. The firm has extended its Series B financing to raise at smallest an extra $ 2.5 million to accelerate geographical, marketplace segment plus product line expansion.

About SEAL Innovation, Inc.

Creating an great swimming experience with innovative wearable technologies to heighten self-confidence plus enhance protection, enjoyment plus performance defines SEAL Innovation, Inc. The business created SEAL SwimSafe™ for swimmers of all ages. If it detects a swimmer inside possible distress, the SEAL band used by the swimmer triggers a significant strength noticeable, audible, plus vibrating alert thus which rescue could start instantly. The SEAL SwimSafe™ was tailored to complement plus better parental plus lifeguard vigilance; understanding to swim; plus secure center shape plus administration.

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