Posts tagged ‘provides’

Excellus BlueCross BlueShield Provides Free Credit Monitoring

Excellus BlueCross BlueShield Provides Free Credit Monitoring
ROCHESTER, N.Y. — Excellus BlueCross BlueShield is taking steps to remedy the latest cyber attacks by providing free credit monitoring as part of the ID theft protection. Identity theft can be a nightmare to fix and repair on your credit report …
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Realistic ways to protect your identity from credit/debt card thieves
Monitor your accounts, check your statements, enroll in credit monitoring, utilize your free credit report option each year. Change your online passwords frequently, in case a thief has caught on. Cash is always the safest option, but it's not always …

Data breached? Get credit monitoring, officials urge
However, he urged anyone who is notified by RITA of a possible breach to take advantage of the free credit monitoring through Experian. RITA is making the notifications by letter and “will not contact impacted individuals about this event by telephone …
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American Consumer Credit Counseling Provides Crucial Financial Counseling to Veterans

Boston, MA (PRWEB) April 03, 2015

On Saturday, March 21st, national nonprofit American Consumer Credit Counseling participated in a financial literacy conference for veterans, active military members, and their families.

The second annual Operation Money Wise, a free conference hosted by the Massachusetts Office of Financial Literacy, offered veterans financial education on a variety of topics, including how to develop healthy spending and saving skills, how to protect assets from predatory lending practices, and what financial tools and benefits are available to service members and veterans.

During the event, ACCC staff members held two workshops on credit and set up a resource table where they pulled credit reports and provided attendees with credit counseling and debt advice.

“Credit and finances can be challenging for any American, and perhaps even more so for veterans who have juggled multiple deployments and extensive time away from home,” said Steve Trumble, President and CEO of American Consumer Credit Counseling. “We are honored to participate in this conference and provide veterans with additional financial skills and resources as they transition home.”

With an unemployment rate as high as 8.5 percent in some states, many veterans remain vulnerable to financial challenges upon return. Recently released numbers from the Bureau of Labor Statistics show that 5.3 percent of veterans were jobless last year. Among younger veterans, that number is significantly higher.

Historically, ACCC has played an important role in providing financial services to those who fight on behalf of our nation. In addition to participating in last year’s Operation Money Wiese, ACCC also launched the Veterans and Military Personnel Online Financial Education Center; which provides former and current military members with information and tools to evaluate their current financial situations while offering debt advice and assisting with future planning and analysis.

“We are extremely passionate when it comes to aiding our servicemen and women with their financial futures,” stated Trumble. “By working with Operation Money Wise, we are able to provide veterans with financial counseling to help plan for their current and future needs.”

Operation Money Wise was held at Mass Bay Community College in Wellesley, Mass. The conference was presented by the Office of Economic Empowerment. For more information visit or call (617) 367-9333 Ext. 615.

ACCC is a 501(c)3 organization that provides free credit counseling, bankruptcy counseling, and housing counseling to consumers nationwide in need of financial literacy education and money management. For more information, contact ACCC:

    For credit counseling, call 800-769-3571
For bankruptcy counseling, call 866-826-6924
For housing counseling, call 866-826-7180
Or visit us online at

About American Consumer Credit Counseling

American Consumer Credit Counseling (ACCC) is a nonprofit credit counseling 501(c)(3) organization dedicated to empowering consumers to achieve financial management and debt relief through education, credit counseling, and debt management solutions. In order to help consumers reach their goal of debt relief, ACCC provides a range of free consumer personal finance resources on a variety of topics including budgeting, credit and debt management, student loans, youth and money, homeownership, identity theft, senior living and retirement. Consumers can use ACCC’s worksheets, videos, calculators, and blog articles to make the best possible decisions regarding their financial future. ACCC holds an A+ rating with the Better Business Bureau and is a member of the Association of Independent Consumer Credit Counseling Agencies. For more information or to access free financial education resources, log on to or visit

More Free Credit Report Press Releases

NFCC? Provides Ten Reasons Bank Card Programs Are Declined

Washington, DC (PRWEB) August 25, 2014

folks apply for credit cards for several various reasons. Some are new to the field of credit and simply starting, while some tend to be hoping to expand their access to credit. Regardless of explanation, no-one applies for a card wishing their application will likely to be refused. To enhance the possibilities of endorsement, customers need to understand the credit decisioning process.

“Each lender has various requirements for expanding credit. For that reason, customers have to do their particular analysis in advance, and only submit an application for the cards which can be expected to give the credit they look for,” stated Gail Cunningham, spokesperson the National Foundation for Credit Counseling®.

The NFCC gives the after 10 explanations credit cards application could possibly be declined, combined with steps consumers may take to fix the issue. Record just isn’t comprehensive, but will help consumers better comprehend the review process and how to position themselves to boost the chances of credit becoming extended.

Insufficient existing credit – loan providers favor to be able to review a track record of exactly how one has managed credit in past times. A thin or nonexistent credit report can give a conservative lender reason to deny.
What you should do – Judiciously build credit, perhaps beginning with a secured bank card, but verify in advance that the issuer states task towards the credit agencies. In addition consider becoming an authorized individual on another person’s card, once the task for the main cardholder as well as the authorized individual is reported towards bureaus.
Poor pay record – the best weighted element in the rating design is just how one repays his or her debt obligations. A history of skipped or belated repayments could be a knock-out punch when attempting to get new credit.
What to do – determine any issues by getting the credit file 100% free at Next, start making repayments on all reports including the ones that are past-due. This starts creating a confident record and helps to establish creditworthiness.
Current credit lines maxed down – Creditors don’t like to see that a person is using all their readily available credit, since this can signal that they are living on credit and starting a range is only going to increase existing indebtedness.
What direction to go – reduce personal credit card debt to equal no more than 30 percent of offered credit. Credit application is the second highest weighted part of the rating design, so lowering debt may possibly also benefit the credit score.
General financial obligation is simply too large – A person’s debt-to-income ratio is an expression of exactly how much is owed in accordance with their particular income. Folks have expenditures beyond credit cards, thus loan providers take all existing obligations under consideration.
What direction to go – Boost earnings or reduce financial obligation. The biggest thing should not appear that more is owed than can be responsibly handled.
Too many queries – It’s a red-flag if somebody is trying to acquire an excessive amount of credit at some point. A lot of inquiries or recently exposed accounts will make a lender unwilling to provide the individual another opportunity to spend.
How to proceed – Only make an application for how many cards that are essential and are usually right for debt scenario. If declined, try not to continue applying. Alternatively, make a plan to treat the cause of the getting rejected. Wait a couple of months to re-apply, as that provide the credit history time for you to upgrade.
Really serious negative notations – delinquent taxation liens and part 7 bankruptcy can remain on a credit file for up to ten years. Foreclosure, late and missed payments, collection accounts and section 13 bankruptcy can remain for seven many years.
What you should do – The further you moves away from the date associated with the unfavorable activity, the less influence this has on credit choices. Someone does not must wait until the experience rotates off the credit report, but putting length amongst the harmful information and applying for brand-new credit is helpful.
Inadequate earnings – Although usually perhaps not made community, issuers have actually minimum earnings restrictions that must definitely be fulfilled in order to give credit.
How to handle it – Research which cards are more inclined to give credit to people who have reduced incomes. In lack of various other eliminating elements, getting a part-time work to supplement the principal income source should improve the likelihood of credit being extended.
Volatile task history – Recent jobless or constant job hopping shows a volatile earnings, hence placing an individual at risk of default within the lender’s eyes.
How to handle it – Make steady work a priority. Switching tasks within the same field may well not weigh because greatly against one, especially if it is a promotion.
Too young to use – individuals needs to be no less than 18-years-old to apply for credit cards.
What to do – because of the Credit Card Accountability, obligation, and Disclosure Act, Us citizens must certanly be 21-years-of-age to by themselves receive credit unless they can show capability to pay or have a co-signer. It isn’t a bad idea for a new person to learn to handle cash by living on a cash foundation or using a debit card before you apply for credit.
Mistakes on the application – Credit card programs is long, making it an easy task to accidentally skip finishing all areas.
What you should do – eliminate accidental mistakes by completing the applying on the web, as these types usually don’t allow a person to distribute until all needed fields tend to be full.
“When trying to get credit, consider in the event that you would loan cash to you personally,” carried on Cunningham. “If the answer is ‘no,’ then it’s likely the financial institution won’t either. That’s the signal it’s time and energy to take action and boost your credit profile. Creditors desire to extend credit, but simply to those who represent a reduced danger for default as defined by their particular business structure.”

If denied credit due to information included in the credit report, the Fair Credit Reporting Act needs loan providers to send the candidate a detrimental action notification which includes the reason behind the denial. To stay a much better position for approval next time, review the causes the rejection and take the essential corrective tips.

For assistance comprehending the credit granting process and mastering simple tips to increase credit picture, contact an NFCC member agency. Inquire about the NFCC’s Sharpen debt Focus™ system that provides answers to numerous each day financial issues. Is instantly attached to the agency closest for your requirements, dial (800) 388-2227, or get a hold of a company on the web by going to


The National Foundation for Credit Counseling (NFCC), founded in 1951, could be the nation’s largest and longest-serving national nonprofit economic guidance organization. The NFCC’s mission should promote the national schedule for economically accountable behavior, and build capacity for its people to produce the highest-quality economic knowledge and counseling solutions. NFCC members yearly help scores of customers through more than 600 community-based offices nationwide. For free and inexpensive private advice through an established NFCC user, call (800) 388-2227, (en Español (800) 682-9832) or see Visit us on Facebook:, on Twitter:, on YouTube: and our weblog:

Target provides credit monitoring because hacks widen

On Monday, Target continued its efforts to win back buyers, because information of more main retail safety breaches continued to spread about the world. On Monday…
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Target provides consumers credit monitoring plus identity theft insurance

Target provides buyers credit monitoring plus identity theft insurance
ProtectMyID refuses to include a credit score or reports from different credit reporting agencies including Equifax or TransUnion, though enrollees are provided the chance to buy additional services at their own cost. The free monitoring plus identity …
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Don't like the credit score? Ask for another
As customers pay down or rack up debt, which activity is reported to the bureaus plus put into their credit reports (that determines their scores) though every bureau can not obtain or add this information simultaneously. On top of which, he states, each bureau …
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South Korean credit-card data
On January 8th prosecutors arrested an IT contractor for stealing the individual info of about 20m credit-card holders—more than half the working-age population. While functioning for the Korea Credit Bureau, that evaluates risk for the 3 card …
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