Free 3 Credit Bureau Reports and Scores – Reviews

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 these free 3 credit score trial offers (usually offered by credit monitoring or identity theft prevention services). What’s more, they can conveniently provide your 3 bureau credit reports for virtually free without all of the hassles mentioned earlier (usually just a $1 processing & handlimg fee).

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

7-day Free Credit Scores from All 3 Bureaus in Seconds. 3 Bureau Credit Monitoring.

Credit Score Experian
7-Day Free Credit Score. 3 Bureau Monitoring

TransUnion Experian
7-Day Free TransUnion Credit Scores. 3 Bureau Monitoring

Single Credit Score Experian
7-Day Free Credit Score. 3 Bureau Monitoring

Free Gov Credit Report vs Free Credit Score Offers

As mentioned earlier, 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.


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…)

FreeScoreConnect – Free Credit Score in Seconds
Sign up easily to receive a free credit score. Just answer a few short questions. FreeScoreConnect provides you with the tools you need to access and monitor your financial profile through the program’s credit reporting and monthly monitoring benefits. (more details…)


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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Commercial Movers inside Los Angeles Can Assist Company Owners Save Money Whenever Moving

(PRWEB) September 01, 2014

Melrose Moving Company has introduced a unique website post explaining how to move a company inside Los Angeles at affordable costs.

Los Angeles movers could assist company owners relocate their commercial spaces quick plus simple inside the Los Angeles location. Clients can pick within the following services: packing, unpacking as well as could furthermore buy moving supplies plus insurance.

Moving a company without specialist aid is dangerous, tiring plus pricey. A company owner might not have the time to correctly make the move plus to pack each object. A moving organization inside Los Angeles could handle any relocation with small or no guidance within the customer.

Los Angeles movers is hired online. Clients could learn more regarding affordable moving services inside Los Angeles by reading the newly introduced website post.

Melrose Moving Company is a Los Angeles-based residential plus commercial moving firm. Originally established inside 1999, plus has been thus favored which the owner began other moving firms, including Los Angeles Movers, Movers Los Angeles, plus Los Angeles Commercial Movers, all that are operated by Melrose Moving. The moving organization is certified by the Public Utility Commission (PUC), plus has an A rating with all the Better Company Bureau (BBB). Melrose Moving accepts cash, checks, credit cards, plus Paypal.

For more info, visit

Call now: 1.800.431.3920.

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Credit Rating Agencies – Need For Reform

1. Crisis – Spotlight on Credit Rating Agencies

“Credit-rating agencies use their control of information to fool investors into believing that a pig is a cow and a rotten egg is a roasted chicken. Collusion and misrepresentation are not elements of a genuinely free market ” – US Congressman Gary Ackerman

The smooth functioning of global financial markets depends, in part, upon reliable assessments of investment risks, and Credit Rating Agencies play a significant role in boosting investor confidence in those markets.

The above rhetoric, although harsh, beckons us to focus our lens on the functioning of credit rating agencies. Recent debacles, as enunciated below, make it all the more important to scrutinize the claim of Credit Rating Agencies as fair assessors.

i) Sub-Prime Crisis: In the recent sub-prime crisis, Credit Rating Agencies have come under increasing fire for their covert collusion in favorably rating junk CDOs in the sub-prime mortgage business, a crisis which is currently having world-wide implications. To give some background, loan originators were guilty of packaging sub-prime mortgages as securitizations, and marketing them as collateralized debt obligations on the secondary mortgage market. The agencies failed in their duty to warn the financial world of this malpractice through a fair and transparent assessment. Shockingly, they gave favorable ratings to the CDOs for reasons that need to be examined.

ii) Enron and WorldCom: These companies were rated investment grade by Moody’s and Standard & Poor’s three days before they went bankrupt. Credit Rating Agencies were alleged to have favorably rated risky products, and in some instances put these risky products together for a fat fee.

There may be other over-rated Enron’s and WorldCom’s waiting to go bust. The agencies need to be reformed, to enable them pin-point such cancer well-in-advance, thereby increasing security in the financial markets.

2. Credit Ratings and Credit Rating Agencies

i) Credit rating: is a structured methodology to rank the creditworthiness of, broadly speaking, an entity, or a credit commitment (e.g. a product), or a debt or debt-like security as also of an Issuer of an obligation.

ii) Credit Rating Agency (CRA): is an institution, specialized in the job of rating the above. Ratings by Credit Rating Agencies are not recommendations to purchase or sell any security, but just an indicator.

Ratings can further be divided into

i) Solicited Rating: where the rating is based on a request, say of a bank or company, and which also participates in the rating process.

ii) Unsolicited Rating: where rating agencies claim to rate an organisation in the public interest.

Credit Rating Agencies help to achieve economies of scale, as they help avoid investments in internal tools and credit analysis. It thereby enables market intermediaries and end investors to focus on their core competencies, leaving the complex rating jobs to dependable specialized agencies.

3. Credit Rating Agencies of note

Agencies that assign credit ratings for corporations include

A. M. Best (U.S.)

Baycorp Advantage (Australia)

Dominion Bond Rating Service (Canada)

Fitch Ratings (U.S.)

Moody’s (U.S.)

Standard & Poor’s (U.S.)

Pacific Credit Rating (Peru)

4. Credit Rating Agencies – Power and Influence

Various market participants that use and/or are affected by credit ratings are as follows

a) Issuers: A good credit rating improves the marketability of issuers, as also pricing, which in turn satisfies investors, lenders or other interested counterparties.

b) Buy-Side Firms : Buy side firms such as mutual funds, pension funds and insurance companies use credit ratings as one of several important inputs to their own internal credit assessments and investment analysis, which helps them identify pricing discrepancies, the riskiness of the security, regulatory compliance requiring them to park funds in investment grade assets etc. Many restrict their funds to higher ratings, which makes them more attractive to risk-averse investors.

c) Sell-Side Firms: Like buy-side firms many sell side firms, like broker-dealers, use ratings for risk management and trading purposes.

d) Regulators: Regulators mandate usage of credit ratings in various forms for e.g. The Basel Committee on banking supervision allowed banks to use external credit ratings to determine capital allocation. Or, to quote another example, restrictions are placed on civil service or public employee pension funds by local or national governments.

e) Tax Payers and Investors: Depending on the direction of the change in value, credit rating changes can benefit or harm investors in securities, through erosion of value, and it also affects taxpayers through the cost of government debt.

f) Private Contracts: Ratings have known to significantly affect the balance of power between contracting parties, as the rating is inadvertently applied to the organisation as a whole and not just to its debts.

Rating downgrade – A Death spiral:

A rating downgrade can be a vicious cycle. Let us visualise this in steps. First, a rating downgrade acts as a trigger. Banks now want full repayment, anticipating bankruptcy. The company may not be in a position to pay, leading to a further rating downgrade. This initiates a death spiral leading to the companys’ ultimate collapse and closure.

Enron faced this spiral, where a loan clause stipulated full repayment in the event of a downgrade. When downgrade did take place, this clause added to the financial woes of Enron pushing it into deep financial trouble.

Pacific Gas and Electric Company is another case in point which was pressurised by aggrieved counterparties and lenders demanding repayment, thanks to a rating downgrade. PG&E was unable to raise funds to repay its short term obligations, which aggravated its slide into the death spiral.

5. Credit Rating Agencies as victims

Credit Rating Agencies face the following challenges

a) Inadequate Information: One complaint which Credit Rating Agencies have is their inability to access accurate and reliable information from issuers. Credit Rating Agencies cry, that issuers deliberately withhold information not found in the public domain, for instance undisclosed contingencies, which may adversely affect the issuers’ liquidity.

b) System of compensation: Credit Rating Agencies act on behalf of investors, but they are in most cases paid by the issuers. There lies a potential for conflict of interest. As rating agencies are paid by those they rate, and not by the investor, the market view is that they are under pressure to give their clients a favourable rating – else the client will move to another obliging agency. Credit Rating Agencies are plagued by conflicts of interest that might inhibit them from providing accurate and honest ratings. Some Credit Rating Agencies admit that if they depend on investors for compensation, they would go out of business. Others strongly deny conflicts of interest, defending that fees received from individual issuers are a very small percentage of their total revenues, so that no single issuer has any material influence with a rating agency.

c) Market Pressure : Allegations that ratings are expediency and not logic-based, and that they would resort to unfair practices due to the inherent conflict of interest, are dismissed by Credit Rating Agencies as malicious because the rating business is reputation based, and incorrect ratings may lower the standing of the agency in the market. In short reputational concerns are sufficient to ensure that they exercise appropriate levels of diligence in the ratings process.

d) Ratings over-emphasised: Allegations float that Credit Rating Agencies actively promote an over-emphasis of their ratings, and encourage corporations to do like-wise. Credit Rating Agencies counter saying that credit ratings are used out of context through no fault of their own. They are applied to the organizations per se and not just the organizations’ debts. A favourable credit rating is unfortunately used by companies as seals of approval for marketing purposes of unrelated products. A user needs to bear in mind that the rating was provided against the stricter scope of the investment being rated.

6. Credit Rating Agencies as Perpetrators

a) Arbitrary adjustments without accountability or transparency: Credit Rating Agencies can downgrade and upgrade and can cite lack of information from the rated party, or on the product as a possible defence. Unclear reasons for downgrade may adversely affect the issuer, as the market would assume that the agency is privy to certain information which is not in the public domain. This may render the issuers security volatile due to speculation.

Sometimes eextraneous considerations determine when an adjustment would occur. Credit rating agencies do not downgrade companies when they ought to. For example, Enron’s rating remained at investment grade four days before the company went bankrupt, despite the fact that credit rating agencies had been aware of the company’s problems for months.

b) Due diligence not performed: There are certain glaring inconsistencies, which Credit Rating Agencies are reluctant to resolve due to the conflicts of interest as mentioned above. For instance, if we focus on Moody’s ratings we find the following inconsistencies.

All three of the above have the same capital allocation forcing banks to move towards riskier investments like corporate bonds.

c) Cozying up to management: Business logic has compelled Credit Rating Agencies to develop close bonds with the management of companies being rated, and allowing this relationship to affect the rating process. They were found to act as advisors to companies’ pre-rating activities, and suggesting measures which would have beneficial effects on the companys’ rating. Exactly on the other extreme are agencies, which are accused of unilaterally adjusting the ratings, while denying a company an opportunity to explain its actions.

e) Creating High Barriers to entry: Agencies are sometimes accused of being oligopolists, because barriers to market entry are high, as the rating business is reputation-based, and the finance industry pays little attention to a rating that is not widely recognized. All agencies consistently reap high profits (Moody’s for instance is greater than 50% gross margin), which indicate monopolistic pricing.

f) Promoting Ancillary Businesses: Credit Rating Agencies have developed ancillary businesses, like pre-rating assessment and corporate consulting services, to complement their core ratings business. Issuers may be forced to purchase the ancillary service, in lieu of a favorable rating. To compound it all, except for Moody’s, all other Credit Rating Agencies are privately held and their financial results do not separate revenues from their ancillary businesses.

7. Some Recommendations

a) Public Disclosures: The extent and the quality of the disclosures in the financial statements and the balance sheets need to be improved. More importantly the management discussion and analysis should require disclosure of off-balance sheet arrangements, contractual obligations and contingent liabilities and commitments. Shortening the time period, between the end of issuers’ quarter or fiscal year and the date of submission of the quarterly or annual report, will enable Credit Rating Agencies to obtain information early. These measures will improve the ability of Credit Rating Agencies to rate issuers. If Credit Rating Agencies conclude that important information is unavailable, or an issuer is less than forthcoming, the agency may lower a rating, refuse to issue a rating or even withdraw an existing rating.

b) Due Diligence and competency of Credit Rating Agencies Analysts: Analysts should not rely solely on the words of the management, but also perform their own due diligence, by scrutinising various public filings, probing opaque disclosures, reviewing proxy statements etc. There needs to be a tighter (or broader) qualification to be a rating agency employee.

c) Abolition of Barriers to Entry: Increase in the number of players may not completely curtail the oligopolistic powers of the well-entrenched few, but at best it would keep them on their toes, by subjecting them to some level of competition, and allowing market forces to determine which rating truly reflects the financial market best.

d) Rating Cost: As far as possible, the rating cost needs to be published. If revealing such sensitive information raises issues of commercial confidence, then the agencies must at least be subject to intense financial regulation. The analyst compensation should be merit-based, based on the demonstrated accuracy of their ratings and not on issuer fees.

e) Transparent rating Process: The agencies must make public the basis for their ratings, including performance measurement statistics, historical downgrades and default rates. This will protect investors and enhance the reliability of credit ratings. The regulators should oblige Credit Rating Agencies to disclose their procedures and methodologies for assigning ratings. The rating agencies should conduct an internal audit of their rating methodologies.

f) Ancillary Business to be independent: Although the ancillary business is a small part of the total revenue, Credit Rating Agencies still need to establish extensive policies and procedures to firewall ratings from the ancillary business. Separate staff and not the rating analysts should be employed for marketing the ancillary business.

g) Risk Disclosure: Rating agencies should disclose material risks they uncover, during the risk rating process, or any risk that seems to be inadequately addressed in public disclosures, to the concerned regulatory authority for further action. Credit Rating Agencies need to be more proactive and conduct formal audits of issuer information to search for fraud, not just restricting their role to assessing credit-worthiness of issuers. Rating triggers (for instance full loan repayment in the event of a downgrade) should be discouraged wherever possible and should be disclosed if it exists.

These measures, if implemented, can improve market confidence in Credit Rating Agencies, and their ratings may become a key tool for boosting investor confidence, by enhancing the security of the financial markets in the broadest sense.

List of resources








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Correct Your Pitching Errors

Most golf players always make these 2 errors when they pitching: One is swing error and another is stand in the wrong position. Stand in the wrong position will lead the second error. Most golfers’ front feet are far away from the ball positions when they ready to pitching, so the weight is shifting to their back feet.


This has a great impact on your aiming, your feet will be pointing in the right side (on the left for left-hand players), and the shoulder is too open to the target direction. This kind of preliminary motion make your hand placed in the rear of the ball, and the club face lifted off the ground.


The result of this is you may so easily shot light, and the trajectory will be much lower than expected. This kind of preliminary motion make the swing plane very low, more depend on a rotation of your body rather than your wrist. The ball can not be straight or slice as your expectation.


1, the correct standing position will not only make your the lower part be more stable, but also make you pitching your ball with the pitching wedge in yourx-22 irons at a more comfortable position. When you make a correct standing position, your legs should be relaxed with the feet falling out wards, then pointed at the left side(left-handed players bit on the right) of the target line, make your arms, shoulders and the target line be perpendicular or parallel.


Callaway ERC Hyper Driver , 2009 Callaway Legacy Forged Irons , Callaway X-20 Tour Irons


2, the ball is located in the middle of stations, run a little knees, the body weight transfer to the forefoot. Hand-bit pushed to the front of the ball near the right (left player was close to the left) thigh.


3, in order for the club in the correct swing plane, grip can not be too hard to ensure the club in the wrist driven swing, swing the rod when approaching stopped vertex, so that feeling of pitching hand lever must be gently reaction. We generally recommend players to make their movement began, first turning the stomach, back again target direction, when the club placed after the location in the chest, then swing the club in the same position on the other side stops.


4, and turned to help control the distance, while the wrist to club level with the experience of the feeling of movement from the top down. A good way to practice swing when the ball trajectory pitching – an umbrella on the lawn vertical from right leg (left leg near the left player is about 30 cm.


Now we can concentrate on the wrist and elbow swing. Pay attention not to touch the umbrella. It dose not matter if you touch the umbrella at the beginning time, just help yourself to can try several times until you will not touch the umbrella. Then you can change the position to the other side of the umbrella and practice again. Through to the position of your front foot and umbrella, you can check if your position of backswing is as same as your forward swing.

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ESA Details Top Six Items Stolen During Home Burglaries

Irving, Texas (PRWEB) August 19, 2014

Studies show which burglars usually spend no multiple minute breaking into a house plus fewer than 10 minutes inside. Although they function fast, burglars have a keen eye for useful possessions. The FBI reports which every house burglary victim suffers a typical of $ 2,188 inside property reduction.

To find out that products are probably to be amidst a burglar’s loot, the Electronic Security Association (ESA) looks to a latest research entitled, “Understanding Decisions to Burglarize within the Offender’s Perspective.” The analysis, that is based about interviews with 422 incarcerated burglars, sheds light about what motivates burglars to commit offences. Below are the best six many coveted possessions based on the 2012 research.

6. Clothing plus Shoes

Carrie Bradshaw isn’t truly the only 1 that loves her income dangling inside the wardrobe where she will see it: Americans do, too. According to the Bureau of Economic Analysis, U.S. customers spend a typical of $ 1,700 a year or 2.72 % of their annual money about their wardrobes. Regarding 18 % of burglars reported which they frequently rummaged from victims’ closets looking for clothing plus boots. And, it’s okay when the boots don’t fit; regarding 31 % of offenders mentioned they might invest the money gained throughout a crime to buy dresses (inside their own size).

5. Prescription Drugs

It’s bad enough which 40 % of home guests acknowledge to snooping by the homeowners’ medication cabinets, however, burglars are even worse. Half of the burglars interviewed mentioned which when inside a house, they are found on the lookout for prescription drugs. And, they seldom come up empty-handed. A latest report yielded by Mayo Clinic plus Olmsted Medical Center revealed which almost 70 % of Americans take at minimum 1 prescription drug, over 50 % take 2 plus 20 % take five or even more.

4. Electronics

Additionally to TVs plus stereos, the average U.S. home owns five web-enabled devices plus six percent own over 15 equipment. With many high-tech goods sleeping about the average house, it’s no question which almost 64 % of convicted burglars mentioned which they’ve taken electronics throughout a burglary. Although the simplest equipment to grab are smartphones, laptops, cameras plus pills, ambitious burglars usually pull a flat-screen TV off the wall or aid themselves to a desktop computer.

3. Illegal Drugs

More than half of offenders (51 percent) indicated which their top factors for committing burglaries were associated to their have to get drugs or the funds to buy them. While it’s unclear how countless U.S. homes stow illegal drugs, almost 66 % of burglars told scientists which they stole illegal drugs from victims’ homes. It’s not an exaggeration to state which countless perpetrators weren’t inside their proper minds; around 73 % of respondents mentioned they utilized drugs and/or alcohol whilst engaging inside a burglary.

2. Jewelry

Diamonds can be a girl’s right friend, however they rank next about a burglar’s wish list. From ruby earrings to 14 karat gold watches, jewelry is regarded as the simplest details to market to a pawn store, that makes it a “must steal” item for several crooks. About 68 % of burglars are interested inside getting jewelry throughout a crime plus analysis shows which 78 % really end up nabbing jewels.

1. Cash

Unsurprisingly, an extreme amount of burglars abide by the older adage “cash is king.” While more customers are achieving for a debit or credit card to create purchases, a latest report from showed which 88 % of Americans nonetheless carry cash. Cold, difficult cash is almost untraceable plus convenient to exchange for goods, that makes it the many coveted plus many stolen item throughout burglaries.

The top six many coveted possessions weren’t truly the only tips divulged by the convicted burglars. Find out what house protection measures stop offenders inside their tracks plus that ones they disregard by checking out the whole research at


Established inside 1948, the Electronic Security Association (ESA) is the biggest trade organization representing the electronic existence protection plus protection industry. Member firms install, integrate plus monitor intrusion plus fire detection, movie surveillance plus electronic access control systems for commercial, residential, commercial plus governmental customers. In cooperation with an alliance of section associations, ESA delivers technical plus administration training, government advocacy plus delivers info, information, tools, plus services which members utilize to develop their companies plus prosper. ESA can be reached at (888) 447-1689 or found on the Internet at


The Alarm Industry Research & Educational Foundation (AIREF) is a tax-exempt foundation serving the electronic safety industry below the auspices of the Electronic Security Association (ESA). Through analysis plus knowledge, AIREF delivers relevant info employed by public protection officials, customers as well as the industry to create communities over the country safer. More info is accessible at

Related Credit Monitoring Press Releases

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Secret of credit rating

Channel 4 – Dispatches uncovering the secret of credit rating in UK. Showing that you might be among a large number of people who are suffering from poor cre…

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Study Conducted by Reveals Top 10 Most Generous Nations in the World

Atlanta, Georgia (PRWEB) August 16, 2014

In the past year, took a close look at its records in order to reveal which nation’s immigrants send more mobile top ups to family and friends living in their homeland. The question asked was simple: which citizens living abroad are more generous and kind and express their care by sending a mobile top up back home? is not the only company interested in people’s generosity level. The 2013 World Giving Index states the world became a more generous place than the previous year. The average percentage of people donating money, volunteering time and helping strangers all grew, despite a fall in the rate of growth of the global economy. Fortunately, reports show the same conclusion.

Here is Top 10 countries whose citizens living abroad take care of their family and friends back home by sending them prepay credit for their mobiles:

No. 10: Ghana

Once known as the gold coast, Ghana is the second largest producer of gold in Africa. And the world’s second largest producer of cocoa beans, the main product in chocolate. What’s there not to love and/or miss? customers send frequently top ups to their family and friends back home to popular operators as MTN, Vodafone, Airtel, Tigo, etc, so they could talk more often about their beautiful, blessed country.

No.9: Haiti

The Pearl of the Antilles. People generally miss Haiti, once they visit it, with no relatives residing there, so natives definitely miss the beautiful sights of the island and the natural warmth of its residents. The mobile operators that receive most tops ups are: Digicel, Natcom, Voila.

No. 8: Honduras

With the orchid as national flora of the country and the white-tailed deer as its national fauna, Honduras is a small country with people that still keep close relationships, no matter the distance between the countries they live in. That’s why sending credit to people back home seems to be a gift Hondurans living abroad offer often to their loved ones in Honduras. Their care and love is usually materialised through mobile credit top ups to Tigo and Claro.

No. 7: Nigeria

Either they want to talk about the latest Nollywood movies or just share memories or current developments, calling seems the easiest way to stay in touch. Consequently, Nigeria qualifies in Top 10 most generous nations on as MTN Nigeria & Airtel Nigeria receive a high amount of tops ups send from abroad.

No. 6: Cuba

The largest island in the Caribbean, Cuba is also the most generous one. El Cocodrillo, as Cubans often affectionately refer to Cuba, due to its form, ranks 6 in top. Cubacel recharges are definitely one of the most famous token of appreciation send by Cubans living abroad.

No. 5: Nepal

The ”Never Ending Peace and Love (NEPAL)” is not influenced by the distance, and sending top ups to Ncell and Nepal Telecom helps Nepalese living outside their mother country keep a vivid memory of the amazing landscapes, charismatic mountains and wonderful people back home.

No. 4: Mexico

The whole world is grateful to Mexico for introducing chocolate, corn, and chilies to the world. Gratitude, for more other reasons, also feel Mexicans that left their mother country towards the dear ones at home. This gratitude translates into frequent mobile recharges to Telcel, Movistar Mexico or Unefon, that further translate into long hours of catching up.

No. 3: El Salvador

Either they miss and want to try pupusa recipe or just find out what’s new at home, calling is a must when it comes for Salvadorans that want to keep a close relationship with the people in the home country, even when away. Therefore, they are awarded the bronze medal on’s Top 10 most generous nations.

No.2: Jamaica

Get up, stand up, stand up for… the silver medal, which goes to Jamaica. Longer calls make home feel closer. So does helping people back home return calls or just call more often, by sending them mobile recharges to operators as Digicel and Lime. And Jamaicans seem to have understood this very well!

No.1: The Dominican Republic

The golden medal and’s greatest appreciation for what family and friends mean for them, even when thousands of miles away, goes to… the Dominican Republic. The country of beautiful women is also the country of beautiful people. And generosity seem to be a natural character trait since the highest number of tops to Claro, Orange, Viva, etc. was registered. Dominican Republic is, thus, the most generous nation using

The top up process on is easy, it takes less than 1 minute and the credit is sent instantly to the destination number.

Also, customers may use a feature newly implemented, which can reduce with up to 50% the time they spend while recharging a mobile. All they need to do is to:

Log in to their account.
Go to the Mobile Recharge page. All the prepaid numbers recharged in the last 90 days will be listed here.
Select the number they want to recharge. Both the country and the operator the number belongs to will be automatically filled in.
Choose the amount of the recharge and continue to the checkout page. it’s easy to be generous and to keep in touch with people back home, no matter where customers are currently living.

About is an interactive website and a brand of KeepCalling, a global telecommunications company registered in 2002 in the USA, and listed as no.16 among the fastest growing companies in the USA in 2013. KeepCalling, the company behind, offers many telecom solutions: mobile recharges (direct top ups, airtime credit or mobile load), Voice Credit for calls and SMS, Virtual Numbers (local numbers), monthly plans for different destinations, through various ethnic websites. Presently, KeepCalling serves hundred of thousands of consumers and businesses worldwide, with a high focus on customer satisfaction.

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How to Understand Credit Report

Now that you have obtained your credit report, the first thing you need to do is read through it and understand what it all means. Don’t feel bad if you don’t understand what the credit report is saying to you. Most credit reports are coded because it allows shorter time for the computer to transmit all the information between the reporting agency and its clients. All reports should have the codes print directly on the back of the report itself or on a separate attachment telling you what the codes stand for.

Credit Bureaus may not all have the same format on how the report should look, but they all have the same information included on the report. Equifax is the only credit-reporting agency that provides consumers with a credit report in a column format. This means that Equifax reports are easier to read and easier to understand. In this chapter you will be shown examples of what is on the report from Equifax, Trans Union and Experian/TRW.

EQUIFAX: They often separate out the accounts with the different collection agencies. The Company Name is the name of the business reporting the information. In many cases, just below the company name is a description of the type of account (such as student loans, credit card or line of credit), some payment history and or the account’s status (such as charge off, collection account, payment deferred, account transferred or account closed by consumer.)

o The Account Number is the number from the company reporting the information and who is responsible for the account and what type of obligation you have. Here are sample codes explaining what they are:

A = Authorized user (of someone else’s account)

B= On behalf of another person

C= Co-maker/Co-signer

I= Individual

J= Joint

M= Maker

S= Shared

T= Terminated

U= Undesignated

o Date Opened is the month and year you opened the account.

o Month’s Review is the number of months for which your account payment history has been reported to the credit bureaus and when it was last looked at.

o Date of Last Activity is the date of the most recent month and year that something happened on the account. This may be the last time you made a payment or when the account was charged off or sent to collections. This date is important because negative information can stay on your report for up to seven years after the date of the last activity.

o High Credit is the credit amount of any loan you took out, your credit limit or possibly the highest amount you have ever charged on that specific account.

o Terms indicate either the number of installments you have (indicate by an M) to pay off the debt or the amount of your monthly payment.

o Balance is the amount you owed on the account when the creditor last provided the credit bureaus with the information.

o Past Dues is the amount past due on the account when the creditor last provided the credit bureaus with information.

o Status indicates both the type of account and your payment history that you have made.

o Type of Account: I stands for (Installment) meaning payment amount is fixed each month; O stands for (Open) meaning entire balance is due each month); R stands for (Revolving) meaning payment amount is variable each month.

o Payment History Codes: 0= too new to review; 1= Paid as agreed; 2= 30+ days past due; 3= 60+ days past due; 4= 90+ days past due; 5= 120+ days past due or account sent to collection; 6= Making regular payments under wage earner plan 7= Repossession 8= Charged off to bad debt.

o Date Reported is the date the creditor last provided Equifax with the information. Creditors who have requested a copy of your report are listed in the final section with the date they requested your report. Under Equifax’s policies, coded inquiries are given only to you and other creditors are not allowed to see them.

TRANS UNION: Breaks down the credit information into several subsections.

o Public Records. This section includes information obtained from local, state and federal courts and offices including lawsuits, bankruptcies and liens. Any information that is public accessible.

o Accounts with Negative Marks. Trans Union separates out the accounts that contain information which some creditors may consider to be adverse and highlights the negative information by enclosing it in brackets. The bracketed information usually includes the account’s status, any past due amount and information on any late payments that you have made.

o Accounts without Negative Marks. Immediately following the negative accounts, Trans Union lists the accounts that are reported with no adverse information. Both the accounts without negative marks and those with no adverse information contain the following information: the name of the company, account number, the type of credit extended to you, the date the creditor last provided Trans Union with the updated information, the amount you owed on the account when the creditor last provided Trans Union with your balance, the person who is responsible for the account, the month and year you opened the account, the amount of any loan you took out, or the highest amount you have ever charged on that specific account, your credit limit on a revolving or open account, or the amount of your monthly payments and number of months that it took you to pay off an installment debt, the month and year you or the creditor closed the account, and the status of your account as of the last date the account was updated. Items such as charged off as bad credit, collection account, paid as agreed, payment after charge off or collection are also on the report.

o Inquiries-Full Disclosure. Trans Union divides your inquires into two sections. The first section lists the companies that received your full credit report in response to your request for credit. These inquiries stay on your credit report for at least two years.

o Inquiries-Partial Disclosure. Some companies received only your name and address for the purpose of making you a credit offer or to review your accounts. These inquiries stay on your credit report for up to a year and are not seen by other creditors.

EXPERIAN / TRW: This credit bureau summarizes the contents into two categories, one section for listings of creditors who receive your report for offering you credit, and the second for their own purpose of marketing.

o The report starts off with potentially negative items such as public records and accounts with creditors and others and then is followed with accounts in good standing. On each page of this report, the consumer’s name and a unique number appear on the top corner.

o Experian / TRW provides you with information affecting your credit worthiness. The items listed with dashes before and after the number, such as -3-, may have a negative affect on your credit.

o Those items are listed first; beginning with public records and followed by credit accounts. After the negative entries, the item for which there are no negative entries follows.

o For all accounts, negative or positive, Experian / TRW includes the creditor’s name and address and the account or court case number. To protect your identity and lessen your risk of identity theft, Experian/TRW does not include the full account number. They only include the first few numbers and leave the final few digits out.

o Experian/TRW notes the date the account was opened and how long the account has been reported with them, date of the last activity on the account, the type of account, your payment terms, your monthly payment amount, who is the responsible person for paying, the original amount that was borrowed, your credit limit or your highest balance, and any recent balance or payment. Finally, the comments paragraph tells the status of the account and for past due accounts, and when the information is scheduled to come off your report.

o Following the list of credit accounts, Experian/TRW provides more detailed information for certain accounts. This detail includes your monthly balances for you for the past 24 months and your credit limit, high balance or original loan amount you borrowed.

o Towards the end of the report, Experian/TRW separates out credit inquires into two sections. The creditors who reviewed your report for the purpose of offering you credit and creditors reviewing their own accounts or who reviewed your report for marketing purposes. For the first set of inquiries, each entry indicates how long the item will remain on your record.

o The end of the report contains identification information, which includes your name and all other names you have used in the past, your current and previous addresses, your social security number, date of birth, and current and previous employers. Remember that once a credit bureau gathers information about you, they can report that information and that information can and will stay on your record. The items listed below tell you how long each of these items will stay on your credit report. This will give you an idea of what you need to avoid or fix, if at all possible.

o Bankruptcies from the date of the last activity may be reported for no more than ten years. Though the date of the last activity for most bankruptcies is the date you receive your discharge or the date your case dismissed, credit bureaus usually start counting the ten-year period from the earlier date of filing. Some credit bureaus report successfully bankruptcies for only seven years. That may not always be the case.

o Lawsuits and judgments may be reported from the date of the entry of the judgment against you up to seven years, or until the governing status of limitations has expired, whichever time period is longer. Credit bureaus usually delete all lawsuits and judgments after seven years.

o Paid tax liens and criminal records from the date of the last activity can stay on for up to seven years. Accounts sent for collection, accounts charged off or any other similar action may be reported from the date of the last activity on the account up to seven years. The date of last activity is 180 days from the delinquency itself. Creditors are obligated to include the date of the delinquency when they report past due accounts to credit bureaus.

o Bankruptcies, lawsuits, paid tax liens, accounts sent out for collection, criminal records and any other adverse information may be reported indefinitely if you apply for a large amount of money over one hundred thousand dollars of credit or insurance, or if you apply for a job with an annual income amount of at least $ 75,000. However, credit bureaus usually delete all items after seven or ten years. Now that you have read through this info and you know how to read your credit report and understand it, you should be able to analyze your report and make a list of everything that you see that is inaccurate or out of date, misleading, or not authorized to be in your file.

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