Free 3 Credit Bureau Reports and Scores – Reviews

Everyone is entitled to see their free annual credit report once an year from the government. That’s a given. Their free credit reports from all 3 bureaus. But what’s left out of this ‘free annual credit report gov’ equation is your credit SCORE. 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

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

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

Single Credit Score Experian
Equifax
TransUnion
7-Day Free Credit Score. 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 Annual 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.

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…)

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…)

CONCLUSION

Seeing your free credit reports from all 3 bureaus is important because it gives you details of your credit profile – your free annual credit report. 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.


*TIP: For those who’re interested in a fullblown identity theft protection service.

Share and Enjoy

  • Facebook
  • Twitter
  • Delicious
  • LinkedIn
  • StumbleUpon
  • Add to favorites
  • Email
  • RSS

Rigaku Publishes WDXRF Application for Semi-Quantitative Analysis of Geological Samples


(PRWEB) November 19, 2014

Rigaku Corporation has published a new application report demonstrating the analysis of geological samples using the semi-quantitative method and employing wavelength dispersive X-ray fluorescence (WDXRF) spectrometry. Rigaku Application Note #XRF 1020 shows the analysis of geological samples (including details of sample preparation method, calibration and repeatability) whereby WDXRF is used to quickly determine the chemical compositions of unknown samples.

The requirement for quick determination of elements in geological samples, which are typically composed of a wide range of elements, has been increasing in numerous industries and fields of study, including energy exploration, mining operations, environmental studies and human health research.

Proper analysis methods for such unknown samples require flexibility in addition to quickness. Semi-quantitative analysis in modern XRF instruments is a unique method that is performed without using any reference materials for the unknown sample analysis.

The pressed powder method is the most common technique for powder samples in XRF spectrometry. For the described analysis, a granitic rock was used as a demonstration sample. The well-dried samples were pressed under a pressure of 100 kN using a sample support ring made of aluminum.

The Rigaku ZSX Primus III+ WDXRF spectrometer was used for measurement. The ZSX Primus III+ is a floor-standing spectrometer designed to offer advantages in high spectral resolution and high sensitivity from light to heavy elements. Sequential scan analysis from fluorine to uranium was performed, followed by semi-quantitative analysis.

For this analysis, a fixed angle measurement was applied for each trace element. The fixed angle measurement is one of the unique functions of the Rigaku SQX program, a semi-quantitative analysis program used to obtain concentrations by theoretical calculation using the fundamental parameter (FP) method and an internal sensitivity library. Performing measurements with this function can significantly reduce statistical counting errors and improve precision for trace element analysis.

In the published report, SQX calculations with the Matching Library were applied to light elements from sodium to calcium. Significant errors are often produced in analyzed results of light elements in powder samples due to grain size and mineralogical effects. The results from the SQX analysis coincide with the reference values and show improvement for light elements. In general, geological samples are dominantly composed of light elements due to silicate minerals, so the “Matching Library” function is effective in correcting for these conditions and obtaining accurate results.

The results shown in the report were obtained on the ZSX Primus III+ spectrometer with a 3 kW X-ray tube. With a 4 kW X- ray tube, the ZSX Primus III+ can produce exceptional results in the determination of trace elements.

The report confirms that semi-quantitative analysis by the pressed powder method by WDXRF is powerful technique to quickly obtain chemical compositions of unknown samples. The standardless analysis program “SQX” is shown to be an effective tool for quickly identifying and quantifying elements, providing inexperienced users with easy-to-use operation.

A copy of this report may be requested at:

http://www.rigaku.com/products/xrf/appnotes?id=XRF_1020

About Rigaku

Since its inception in Japan in 1951, Rigaku has been at the forefront of analytical and industrial instrumentation technology. Rigaku and its subsidiaries form a global group focused on life sciences and general purpose analytical instrumentation. With hundreds of major innovations to its credit, Rigaku and its subsidiary companies are world leaders in the fields of small molecule and protein crystallography, X-ray spectrometry and diffraction, X-ray optics, as well as semiconductor metrology. Rigaku employs over 1,100 people in the manufacture and support of its analytical equipment. Its products are in use in more than 70 countries – supporting research, development, and quality assurance activities. Throughout the world, Rigaku continuously promotes partnerships, dialog, and innovation within the global scientific and industrial community.

For further information, contact:

Laura Oelofse

Global Product Marketing Manager XRD

Rigaku Corporation

laura.oelofse(at)rigaku(dot)com

###







Share and Enjoy

  • Facebook
  • Twitter
  • Delicious
  • LinkedIn
  • StumbleUpon
  • Add to favorites
  • Email
  • RSS

Increase In Identity Theft

For those of you who think identity theft is not a matter to be bothered about, think again. Identity theft can be detrimental to your entire life and everything involved with your life. As much as 11.1 million adults were victims of identity theft in 2009. The total fraud amount was $ 54 million.

The chilling facts about identity thefts also include that identity thefts usually are committed while you least expect and from the areas you least expect. About 13% of identity fraud crimes in 2009 were committed by people who knew the victim very well. The victims had to spend sleepless hours resolving the crime.

To understand how identity thefts occur we should understand what constitutes identity theft. Identity theft is stealing your identity through accessing your personal information such as social security number, bank details etc. Identity theft is a fraud in which someone pretends to be someone else and accesses benefits by impersonating a person. The benefits may include new accounts or obtaining a new credit card etc. The person whose identity has been stolen can suffer irreparable damage for such consequences as suffer embarrassment, loss of reputation and financial loss. He or she may be held responsible and accountable for the thief’s misdeeds. Apart from the material benefits that the fraudsters may stand to gain through identity theft there are other types of perpetration involved. Sensitive data transfer can be done through identity theft.

There are many reasons why identity theft has increased in our country over the last few years. Despite the fact that consumers are far more alert now to prevent identity theft and also taking action for it, this fraud has been on the rise. While you can assign the blame for this to many things the most important factors are an extended recession and increasing unemployment. The state of being unemployed often tempts a person to steal a social security number or credit card and compromise on that information. Your credentials are an easy meat for the fraudsters who access your personal information and reap benefits out of this.

No safety procedure is less important when we want to protect our identity. Physically block all personal information from public access. Have a check on people who are accessing your information. Any information that is out of use should be shredded and not just torn to pieces. Filter all mail boxes making sure no mail is touched by any impostor. Never give out information over the phone and be careful when you give information in the public. Limit access to systems and lock all the sensitive information in safe places. Be generous while placing firewalls and anti hacker softwares. Put security policies at place and make sure no sensitive information is leaked on Internet or any other public channel. One important precaution for employers is to be wary of ex employers who may leak information about the company to outsiders.

Related Identity Theft Prevention Articles

Share and Enjoy

  • Facebook
  • Twitter
  • Delicious
  • LinkedIn
  • StumbleUpon
  • Add to favorites
  • Email
  • RSS

Russia Credit Rating Downgrades: FM Lavrov says west wants ‘blood and more sanctions’

Russia’s credit rating has been reduced to ‘junk’ status by American firm Standard & Poor’s. The move has sparked anger in Moscow, with Russian Foreign Minister Sergei Lavrov in combative…

Share and Enjoy

  • Facebook
  • Twitter
  • Delicious
  • LinkedIn
  • StumbleUpon
  • Add to favorites
  • Email
  • RSS

Chamber hosts Q&A for tax identity theft awareness week

Chamber hosts Q&A for tax identity theft awareness week
The Federal Trade Commission is to promote and educate consumers the dangers of identity theft with Tax Identity Theft Awareness Week. It is designated for 2015 from Jan. 26 to Jan. 30. Identity theft is especially prevalent during tax season when …
Read more on Sierra Vista Herald

The Most Surprising Tax Complaint in America
Tax ID theft has grown so quickly that it accounts for one-third of all consumer complaints about the crime, the Federal Trade Commission said Monday. And complaints about fake IRS agents trying to scam consumers grew more than 20-fold last year, the …
Read more on Credit.com News (blog)

Share and Enjoy

  • Facebook
  • Twitter
  • Delicious
  • LinkedIn
  • StumbleUpon
  • Add to favorites
  • Email
  • RSS

Scoreinc.coms FDCPA Department Presents Services for Credit Based Businesses


Mobile, Alabama (PRWEB) December 30, 2014

Scoreinc.com’s FDCPA Violations Department is part of the company’s expansion into education, consulting and business development for credit based businesses. In response to concerns raised by the fiscal crisis of 2007-2008 and the increasing importance of monitoring the widespread practices of collection agencies, Score provides online training, consumer information, and guidance to businesses seeking to apply the FDCPA to benefit their clients.

To investigate individual cases, the FDCPA Violations Department relies on Scoreinc.com’s established credit repair resources and network of professionals. Analyzing call volume, voicemails, letters and other communication elements, Score’s trained credit repair business owner members evaluate the history of collection communications for each case and weigh the data against the FDCPA’s mandate on debt collectors’ legal obligations. Once analysis is complete, each client is given recommendations for constructive action pertaining to his or her credit collection situation.

The process begins with an online submission of basic details, and can benefit clients with a statutory fine applied to the unlawful collection agency; exemption from debt; and possible removal of the debt from credit reporting. As an additional benefit, all of the FDCPA services provided by Scoreinc.com and associates are free of cost, including any necessary legal action.

The FDCPA exists to protect consumers from abusive debt collection practices, including harassment, uttering threats and making false statements, using unfair or deceptive practices, and more. Ensuring that clients’ rights are upheld and compliance with the FDCPA is essential for any company that functions on credit, including auto dealers, mortgage brokers, tax companies and other businesses.

To find out more about Score’s FDCPA Department, visit http://www.ScoreInc.com.

In addition to FDCPA consulting, Scoreinc.com offers credit based businesses the following services:

?    Credit Repair Business Management Software (Saas)

?    Credit Repair Dispute Process Outsourcing

?    Credit Repair Coaching and Mentoring

?    Yearly Credit Repair Summit

?    ScoreWay University

?    Webinars and Online Training

?    Student Loan Certification Program

?    Industry Standard Credit Repair Professional/ Expert Certification Program

About Score

Scoreinc.com is the #1 provider of credit repair dispute outsourcing and software throughout North America. Created to support credit repair professionals, Score offers a diverse range of technology and management solutions to increase profits and success.







Share and Enjoy

  • Facebook
  • Twitter
  • Delicious
  • LinkedIn
  • StumbleUpon
  • Add to favorites
  • Email
  • RSS

Latest Dispute Credit Report News

FTC: Many credit report disputes go unresolved
The follow-up report released Wednesday, which examines what happens to unresolved disputes in the earlier study, is the final report to Congress called for under the Fair and Accurate Credit Transactions Act of 2003. The law's best-known provision …
Read more on Nasdaq

Take the time to look at your credit report
If you find errors on your report, the first thing to do is dispute it by contacting the credit reporting agency which provided the information. You will be required to explain the reason you feel the report is in error, and may ask for documentation …
Read more on Tyler Morning Telegraph

Is a communication between a debt collector and a credit reporting agency a
Sarah McIvor alleged that she disputed a debt to Credit Control by making an online report to consumer reporting agency TransUnion. She further alleged that when TransUnion contacted Credit Control to investigate the dispute, Credit Control failed to …
Read more on Lexology (registration)

Add a credit check to your New Year list
You may also fill out a dispute form and file it with the creditor and the credit reporting agency. Late payment history — In your review, did you find late payments? If you think you paid this item on time and it is an error, you can dispute it with …
Read more on USA TODAY

Share and Enjoy

  • Facebook
  • Twitter
  • Delicious
  • LinkedIn
  • StumbleUpon
  • Add to favorites
  • Email
  • RSS

Cabot Credit Management

WHP were approached by Kent based company Cabot Credit Management to create a video for them that showed existing and potential new clients the service that …
Video Rating: 0 / 5

Share and Enjoy

  • Facebook
  • Twitter
  • Delicious
  • LinkedIn
  • StumbleUpon
  • Add to favorites
  • Email
  • RSS

Complimentary Webinar – The Real Cost of a Data Breach

Austin, TX (PRWEB) January 19, 2015

AllClear ID, the leader in the B2B customer security market, is hosting a complimentary webinar exploring the costs associated with data breaches. For companies to successfully navigate the new threat landscape and craft effective response strategies to data security events, understanding the true costs associated with data breaches is critical. Registration for the webinar is available online at https://cc.readytalk.com/r/7ed3q3nep53o&eom.

The webinar, entitled The Real Cost of a Data Breach, will take place on Wednesday, January 28th at 1:00PM Eastern Time and will feature insights from industry leaders on the 2014 NetDiligence® Cyber Claims Study, as well as best practices for cost savings in key areas of data breach response.

“We decided to partner with NetDiligence on the cyber claims study after receiving feedback from our clients and their attorneys about the desire for more comprehensive data around the true costs associated with data breaches”, says Jamie May, Vice President of Operations at AllClear ID. “This webinar and the associated cyber claims study will be useful tools for companies and attorneys seeking to better understand and mitigate costs related to breach events. We are excited to host such a distinguished panel of industry leaders on the topic.”

Attendees will gain an insider’s look at data breaches and primary drivers of associated costs. Key learnings will include the type of data lost, cause of loss, and affected industry.

Webinar Speakers Include:


    Mark Greisiger, President of NetDiligence®
    Andy Obuchowski, Director, Northwest Regional Leader, Security & Privacy Consulting at McGladrey
    John Mullen, Partner, Chair, U.S. Data Privacy & Network Security Group at Lewis Brisbois Bisgaard & Smith
    Jamie May, Vice President of Operations at AllClear ID
    Vinny Sakore, Assistant HIPAA Security Officer for Verizon Business, Cloud Security at ICSA Labs

Register for the complimentary webinar online at https://cc.readytalk.com/r/7ed3q3nep53o&eom

About AllClear ID

AllClear ID specializes in securing your most valuable asset, customer relationships, in a world that feels less secure every day. We advise companies on the customer-facing aspects of incident response and provide the operational capacity and expertise to respond successfully to data security events of any size. We specialize in helping enterprises respond to security incidents and protect their customers from identity theft, and have notified over 160 million consumers on behalf of Fortune 1000 companies, top healthcare organizations, government agencies, and universities. Our exclusive solutions are proven to deliver a superior response that reduces customer anxiety, angry escalations, and lost sales. We back our solutions with the best service in the industry, a 97% satisfaction rating, and 15 international customer service awards.







Share and Enjoy

  • Facebook
  • Twitter
  • Delicious
  • LinkedIn
  • StumbleUpon
  • Add to favorites
  • Email
  • RSS

Learn Your Credit Score And Take Charge Of Your Future

Foreclosures: Need to I Get a Subscription?

Learn about foreclosure subscriptions. Locate out if a foreclosure subscription is what you want!

Foreclosure listings generally have better offers than typical listings, but foreclosure listings that you subscribe for have even far better offers! Subscriptions for foreclosure listings are a lot like subscriptions for magazines. So, even though you do pay for this program, the expense is minimal and you will have so much more data at your fingertips. The reason why you will discover subscriptions to certain foreclosure listings is mainly because agents are compensated to uncover the most effective deals to put on individuals listings.

It is possible to obtain a very good offers on standard foreclosure listings, nevertheless, odds are much greater that you’ll discover even a much better deal for what you’re seeking in the event you subscribe to foreclosure listings since you will be 1 of the first to see the very best of offers. The very best of offers are the ones that normally market the fastest and as a result, a lot of instances promote even prior to everybody else features a opportunity to determine them since they are not listed in any typical foreclosure listings as soon as they offer around the foreclosure listings that require a subscription.

Even should you subscribe to foreclosure listings, it is crucial to test the listings as usually as you’ll be able to to make sure which you beat everybody else who has subscribed to the best offers. If you don’t subscribe, it really is even more crucial that you simply constantly test the foreclosure listings given that you will be competing in opposition to a large number of extra men and women (the common public), and finding just as good of a deal is going to be a lot additional hard. The very good news is the fact that there are lots of websites that make normal foreclosure listings, also as individuals which you subscribe for, pretty uncomplicated to use. As a result, checking a number of times each day for foreclosure listings doesn’t have to be tough, it’ll just get just a little time, along with a small work to remember.

Foreclosures Listings: The best way to Get The best Deal

Discover about foreclosure listings. Discover out how it is possible to get the best offer!
In case you do not have a subscription, it’s even far more necessary that you test the foreclosure listings regularly given that you will be competing in opposition to a whole lot extra people today. There are lots of web sites on-line that make it truly effortless to check foreclosure listings and to search and obtain what you are trying to find, so checking regularly won’t be hard, it will just take a little little bit of time, and something that preferences to be remembered to be done on the consistent basis, preferably numerous instances each day. The foreclosure listings that you are able to subscribe to are just as easy to navigate by way of.

By checking foreclosure listings really frequently, it is nonetheless achievable to get about as good of a deal on the normal foreclosure listing, nevertheless, by subscribing to be 1 of your very first to see the most effective offers on foreclosure listings, you might be much more likely to obtain a a lot better deal on what you are trying to find.

Related Free Credit Score Articles

Share and Enjoy

  • Facebook
  • Twitter
  • Delicious
  • LinkedIn
  • StumbleUpon
  • Add to favorites
  • Email
  • RSS

Worldwide Media Business Automates Sage 300 ERP Accounts Receivable for Faster Invoice Range


Chardon, Ohio (PRWEB) December 30, 2014

Today e2b teknologies, writers of Anytime Collect accounts receivable management computer software, revealed a new customer within the Digital Media Industry. The consumer, a provider of innovative advertising solutions and a part of a dominant business brand name family, has opted for Anytime gather to automate Sage 300 ERP reports receivable for enhanced A/R administration efficiencies and quicker charge collection.

Before implementing Anytime gather, the business used the accounts receivable functions within their ERP system to handle payment and invoice collection; although Sage 300 ERP (previously Sage ACCPAC) has effective tools for bookkeeping and finance, the system wasn’t designed to maximize the productivity of enthusiasts and improve the quote-to-cash pattern. As a global business with eleven offices in the us, six nations, and consumers internationally, the limited accounts receivable administration functions in Sage 300 ERP were not adequate to help the business lower DSO and increase cashflow for continued development.

Integrated because of the organization’s enterprise resource administration computer software, Anytime Collect is a cloud-based system that expands the Sage 300 ERP accounts receivable module and automates the complete accounts receivable management process. Anytime gather pulls the organization’s accounts receivable information and activities into one place and allows users to automate their particular many time-consuming tasks including sending repayment reminders and overdue notices, prioritizing collector tasks, archiving buyer mail reactions, etc. With your jobs being completed because of the system, collectors can now focus their attempts on collecting large invoices, deciding disputes, and much better serving their clients. Additional functions enable the business to handle buyer credit applications, a significant facet of the company’s accounts receivable strategy.

Another reason the company decided to go with Anytime Collect ended up being because of the numerous reporting and company intelligence options available inside computer software to provide them deeper insight into reports receivable and cash flow. When gather provides people a consolidated snapshot of this company’s Sage 300 ERP reports receivable with real time information and metrics to help them monitor receivables, including top delinquent buyer reports, day’s sales outstanding, collection tasks, the cost of credit, and a lot more.

“The digital marketing and advertising business is notorious for late spending consumers,” stated Adam Lynch, Anytime gather Sales Manager at e2b teknologies. “While long payment cycles could be the norm in the industry, companies still have to get compensated on time to achieve usage of working-capital. Anytime gather seems itself as a very good device for businesses in this business seeking to boost their charge collection efficiencies and minimize day’s sales outstanding. Im confident that this company might find the results they’ve been looking plus with regards to When Collect and Sage 300 ERP integration.”

Click to go into the when Collect site collection where you can find out about Anytime gather records receivable administration software, read buyer situation scientific studies, and watch product demonstrations.

About When Gather:

Posted by e2b teknologies, Anytime gather records receivable administration software program is a respected cloud-based reports receivables management software system built to streamline the complete credit and choices procedure assisting companies receive money faster. When gather is integrated to leading ERP accounting systems including Intuit QuickBooks, Epicor, Sage ERP, Microsoft Dynamics ERP, also company applications.







Associated Dispute Credit History Press Announcements

Share and Enjoy

  • Facebook
  • Twitter
  • Delicious
  • LinkedIn
  • StumbleUpon
  • Add to favorites
  • Email
  • RSS