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.

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Latest Credit Management News

TD Bank expands commercial real estate lending team
Gus A. Varona, vice president, senior credit manager for the commercial real estate department's credit management team. He'll be based in Boca Raton. Gina Rodriguez, an assistant vice president and credit analyst III, based in Coral Gables. TD Bank …
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Debt Consolidation Vs. Bankruptcy: Which Need to You Select?
“An NFCC-certified credit counselor can discuss debt consolidation options so you can choose if this could possibly be the best option for you and your wife. Depending on your circumstances, the agency could also recommend a debt management strategy …
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Teams find radio magic in Sioux Falls
"The morning just flies by," said Dee of their show. "There is no better way to spend my time. I can count on him every day, and I know I will laugh." Davis and Dee applaud their listening audience and credit management for their show's longevity and …
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Representatives from Maine State Credit Union, from left, Seth Poplaski, Senior Vice President Mark Young and Stacey Dow, pose with Liz Murray, the subject of an Emmy-nominated movie and author of the New York Times best-selling book based on her …
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Latest Credit Repair News

FTC Slams SoCal 'Credit Repair' Group
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5 Ways to Boost Your Credit Score
Using the right credit repair expert can help you see improvements in your credit score. There are complex laws involving creditors, credit bureaus, collections companies, judgments, tax debt and more. A seasoned expert can help you navigate this …
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National Foundation for Credit Counseling? Encourages Consumers to Know Their Rights During National Consumer Protection Week


Washington, DC (PRWEB) February 28, 2015

National Consumer Protection Week is being observed from March 1-7, and the National Foundation for Credit Counseling® (NFCC) is participating by connecting consumers to resources that can improve their level of financial protection.

“Consumers who are informed about their rights have an advantage over those who don’t,” said Bruce McClary, spokesperson for the NFCC.

The following tips can help people learn more about managing their personal finances while protecting themselves from scams and abusive practices:

Know the consumer rights associated with debt collection. During the past five years, the Federal Trade Commission (FTC) has filed legal action against 180 debt collection agencies. Threatening phone calls, abusive language, calling at odd hours, and revealing account information to others are among the ways that some debt collectors are violating consumer rights. All consumers should be familiar with the rules that protect their rights in these situations. The FTC offers information about the Fair Debt Collection Practices Act (FDCPA) at http://www.consumer.ftc.gov/articles/0149-debt-collection. If consumers feel their rights have been violated by a debt collector, they can contact the Consumer Financial Protection Bureau (CFPB) at http://www.consumerfinance.gov/complaint/#debt-collection.

Review credit reports every year. Credit reports are not only the gateway to loans, mortgages and credit cards, but are often reviewed by landlords, cell phone providers and utility companies. The report reflects a person’s financial track record, and can strongly influence a lending decision. Routinely reviewing credit is the best way to stay on guard. Consumers can access a free copy of their credit report once every 12 months from each of the three bureaus, Experian, Equifax and TransUnion, by going to http://www.AnnualCreditReport.com.

Get to know credit card protections. Many people don’t realize that certain protections are part of their credit card agreement. For instance, the Fair Credit Billing Act allows consumers to seek a refund if a product purchased was unsatisfactory. Cards may also offer return protection and extended warranties. There are many Federal laws in place to protect consumer rights when interacting with a credit card company. For a list of credit protection laws, go to https://www.federalreserveconsumerhelp.gov/learnmore/consumer-credit.cfm#CreditCards.

“Being uninformed or misinformed about basic consumer protections can leave a consumer vulnerable to financial abuse”, continued McClary. “Those who take the steps to learn about their rights are in the best position to make healthy financial choices.”

-30-

The National Foundation for Credit Counseling (NFCC), founded in 1951, is the nation’s largest and longest serving national nonprofit financial counseling organization. The NFCC’s mission is to promote the national agenda for financially responsible behavior and build capacity for its members to deliver the highest quality financial education and counseling services. NFCC Members annually help millions of consumers through more than 600 community-based offices nationwide. For free and affordable confidential advice through a reputable NFCC Member, call (800) 388-2227, (en Español (800) 682-9832) or visit http://www.nfcc.org.







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Certified Culinary Medicine Specialist Program Jointly Launched by Goldring Center for Culinary Medicine at Tulane University and Cardiometabolic Risk Summit


MALVERN, PA (PRWEB) March 26, 2015

Building off their success and reputation as leading providers of continuing medical education, the Cardiometabolic Risk Summit and Goldring Center for Culinary Medicine at Tulane University are proud to announce a pioneering professional certification program in Culinary Medicine. The interdisciplinary program, which ultimately grants a Certified Culinary Medicine Specialist (CCMS) credential, is designed for physicians, nurse practitioners, physician assistants, registered dietitians, and pharmacists seeking to optimize their management of diet-related chronic diseases through enhanced nutritional knowledge and culinary skill.

The CCMS program will now provide practicing clinicians with access to the same revolutionary education that originated within the nation’s first hands-on medical school teaching kitchen at the Goldring Center for Culinary Medicine at Tulane University.

To establish eligibility for the certification examination, candidates must obtain a minimum of sixty (60) credit hours, including completion of:

Approved online nutrition education coursework
At least twelve (12) credit hours of hands-on participation at approved Culinary Medicine Teaching Kitchen Modules
Two online post-tests assessing knowledge of important culinary and nutrition texts
Live-conference credits at the Cardiometabolic Risk Summit Spring or Fall conference (optional)

The Teaching Kitchen Modules, an innovative hallmark of the CCMS program, provide candidates with a one-of-a-kind opportunity for hands on learning. Important nutrition concepts are taught through an evidence-based, interactive case-based discussion on dietary education for patients, followed by a hands-on cooking class that emphasizes the practical dialogue clinicians can have with their patients about lifestyle change.

“Diet plus medication is synergistic, and clinicians who can speak confidently about nutrition have a major advantage in the effort to change the habits of their patients,” said Timothy S. Harlan, CCMS Faculty Chair. “CCMS provides clinicians evidence-based strategies for how to best integrate nutritional counseling with pharmacological treatment and how to effectively educate patients about weight loss.”

Conferred upon examination, candidates will obtain the “CCMS” title designation, recognizing their unique foundation for incorporating healthy eating into patients’ diets through a comprehensive knowledge of nutrition and the culinary techniques to prepare food that is consistent with real-world budgets, time constraints, and nutritional ideals.

For more details or to apply for the Certified Culinary Medicine Specialist program, please visit: http://culinarymedicinecertified.com/.

About Cardiometabolic Risk Summit

Powered by Consultant, the nation’s leading, peer-reviewed journal for primary care practitioners, the Cardiometabolic Risk Summit is dedicated to translating the latest clinical research on cardiometabolic risk into practical treatment and prevention strategies for the entire primary care team. Powerful, evidence-based sessions spanning the broad spectrum of topics inherent to cardiometabolic risk syndrome, including: Obesity, Diabetes, Dyslipidemia, Hypertension, and Clinical Nutrition provide practitioners with the vital tools necessary to effectively prevent and treat cardiometabolic risk.

About Goldring Center for Culinary Medicine at Tulane University

The Goldring Center for Culinary Medicine at Tulane University is the nation’s first dedicated teaching kitchen to be implemented at a medical school. The Center provides hands-on training for medical students through culinary medicine classes in the form of electives and seminars, as well as continuing education for the healthcare and foodservice industries. The Center’s programs provide primary care clinicians with a knowledgebase of diet, lifestyle, and nutrition, and how they relate to disease. Modules are taught from the food-first perspective with an eye toward the practical aspects of what patients face day-to-day when trying to make substantive change in their lives.







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Latest Credit Monitoring News

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You can also safeguard your personal information, and that of your family, by signing up to receive credit monitoring, Internet surveillance and child identity monitoring services. These are the same identity theft services that many UC employees …
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Latest Credit Monitoring News

PNC customers avoid bank's annual fee by putting a spending limit on
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Australia's RBA voices confidence in tighter home loan standards
“While it is too early to see the effects of these measures in overall housing lending activity, the authorities will be monitoring an array of information in the period ahead to help ensure that the current risk profile in the mortgage does not …
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Just How To Write A Credit Dispute Letter?

The answer to restoring bad credit is always to compose a properly formatted letter of dispute to at least one or all the credit reporting agencies and send them out via subscribed mail. Here is a step-by-step guide…

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Lending Approval Rates at Big Banks, Institutional Lenders Continue to Surge, According to February 2015 Biz2Credit Small Business Lending Index


New York, NY (PRWEB) March 16, 2015

Small business loan approval rates at big banks and institutional lenders continue to improve, attaining new post-recession highs in February 2015, according to the Biz2Credit Small Business Lending Index, the monthly analysis of 1,000 loan applications on Biz2Credit.com.

Big banks ($ 10 billion+ in assets) approved 21.5% of small business loan requests in February 2015, up from 21.3% in January. Further, loan approval rates at big banks have increased consistently for 10 out of the last 11 months, and a year-to-year comparison shows that they have increased by 12.5%.

“Big banks are starting to grant more conventional loans. This allows them to keep fixed loan expenses down compared to SBA-backed loans, which are not primarily being done at smaller banks,” explained Biz2Credit CEO Rohit Arora, who oversaw the research. “The investment in digitization at big banks has helped expedite the small business loan approval process.”

Meanwhile, institutional lenders granted 60.7% of funding requests by small business owners in February, an increase from 60.5% in January 2015. Approval rates by institutional lenders have increased each month ever since Biz2Credit began monitoring this category of lenders one year ago.

“Institutional lenders are willing to offer more loans that are financially appealing to small business owners,” Arora said. “The high approval rate in this category of lenders is a reflection of their strong investment in technology advancements, which enables them to quickly assess the risk of default. Thus, they are incredibly efficient; only a miniscule 0.77 percent of loans made by institutional lenders on our platform have defaulted.”

For the fourth consecutive month, small banks denied more than half of their loan requests to small business owners, as lending approval rates at small banks remained stagnant at 49.6% in February. After reaching an all-time Index high in May 2014, lending approval rates at small banks have gradually declined.

“Smaller banks are better at offering SBA loans, but those loans take time to process. Creditworthy customers who seek quick funding are turning to other types of funding that take less time to process,” said Arora. “This leaves smaller banks with less attractive borrowers than they had a year ago and explains why approval percentages are dropping.”

Approval rates at alternative lenders — merchant cash advance companies, factors, and other non-bank institutions – dropped for the 13th consecutive month to 61.4% in February, from 61.6% in January. Their drop has coincided with the emergence of institutional lenders.

“Alternative lenders have been impacted most by the emergence of institutional players. As the economy continues to improve, small businesses with good credit standing don’t have to borrow money at high interest rates often associated with alternative lenders,” Arora explained. “Small business owners were often obligated to pay high interest rates during the ‘credit crunch’ when they were desperate for money. However, this is no longer the case.”

Credit unions granted 43.3% of loan applications in January, a slight increase from the record low approval rate of 43.2% in January 2015. However, they are still struggling to increase their presence in the small business finance marketplace.

To view the historic chart of the Biz2Credit Small Business Lending Index, visit https://www.biz2credit.com/small-business-lending-index/february-2015.

About the Biz2Credit Small Business Lending Index

Biz2Credit analyzed loan requests ranging from $ 25,000 to $ 3 million from companies in business more than two years with an average credit score above 680. Unlike other surveys, the results are based on primary data submitted by more than 1,000 small business owners who applied for funding on Biz2Credit’s online lending platform, which connects business borrowers and lenders.

About Biz2Credit

Founded in 2007, Biz2Credit has arranged more than $ 1.2 billion in small business funding throughout the U.S. and is widely recognized as the #1 online credit resource for startup loans, lines of credit, equipment loans, working capital and other funding options. Using the latest technology, Biz2Credit matches borrowers to financial institutions based on each company’s unique profile — completed in less than four minutes — in a safe, efficient, price-transparent environment. Biz2Credit’s network consists of 1.6 million users, 1,300+ lenders, credit rating agencies such as D&B and Equifax, and small business service providers including CPAs and lawyers. Visit http://www.biz2credit.com, follow on Twitter @Biz2Credit, and join on Facebook at http://www.facebook.com/biz2credit.







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100% Approval Bad Credit Auto Loans Now Available at Lowest Interest Rates Ever


Seattle, WA (PRWEB) March 20, 2015

This month Complete Auto Loans has added more application approvals this month to allow bad credit shoppers to get 100% approval on a loan. Not only can shoppers get instant approval, these newly added loans are also offering lower interests rates.

https://completeautoloans.com/application-form/ – Get approved for a car loan in as little as 60 seconds.

Low interest rate auto loans up to $ 35,000 are available to all U.S. residents that make at least $ 350 per week. Take advantage of 100% approval rates by using the 60 second online application from the no credit check auto lender.

Complete Auto Loans also encourages shoppers to use the complimentary credit score tool to check their credit score. Applicants have been able to save thousands of dollars on their loan just by checking their credit score. For more information, please visit Complete Auto Loans’ website.

About Complete Auto Loans

Complete Auto Loans is a Seattle-based company that is dedicated to helping their customers acquire national car financing. They design and develop customized no credit financing, bad and good credit loans. Voted the best for “Quality Customer Service” and “Best National Service” by thousands of people, their finance experts focus on providing their customers with the following: information and tools available for different loan offers, how to choose the best loan that fits their budget, as well as related eligibility guidelines.







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Credit Repair Companies are Reviewed in Depth on New Website CreditMarvel.com


Lindenhurst, NY (PRWEB) March 05, 2015

The founders of CreditMarvel.com, a website that provides in-depth and unbiased reviews of many of the top credit repair companies, are proud to announce the launch of their new site. In addition to ranking and reviewing many of the leading credit repair companies, the website also features helpful information and articles pertaining to credit repair.

As a spokesperson for CreditMarvel.com noted, trying to determine which credit repair company is best is a time consuming and overwhelming experience. People who are looking for this type of service are already feeling stressed out and upset over their low FICO score and high amount of outstanding debt, so it can be extra challenging to figure out which company can truly help them. This knowledge inspired them to create and launch CreditMarvel.com.

“People need a central resource that they can trust to find a restoration service is perfect for their unique situation,” the spokesperson said, adding that they have researched the countless services available on the market and have uncovered three clear winners.

“These businesses were not chosen at random. They have been poked, prodded, and reviewed using our proprietary scoring system to obtain an unbiased ranking that is based on raw data.”

Right now, Lexington Law is ranked number one on CreditMarvel.com; as the review noted, the company has been in business for over 20 years and has served over a half million people. Sky Blue Credit is currently ranked number two on the site; the company has some of the most progressive credit repair services in the industry and the company also offers a money back guarantee.

Rounding out the top 3 is CreditRepair.com; the company’s website features an innovative online dashboard as well as credit repair plans that are customized to each client.

Even though CreditMarvel.com launched just recently, its educational articles are already getting a lot of attention from visitors to the site. For example, a post titled “Improving Your Credit Score” offers helpful information on how FICO scores are determined as well as tips on how to improve them.

About CreditMarvel.com:

CreditMarvel.com is the ultimate resource for anyone that’s looking to repair their credit. The website offers many guides and articles such as tips on how to improve a credit score, how to dispute errors on a credit report, and much more. For more information, please visit http://www.creditmarvel.com/







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