"Inanimate objects can be classified scientifically into three major categories; those that don't work, those that break down and those that get lost."
Curing Yourself from Leaky Wallet Syndrome Financial stewardship of a business empire or $100 bill require a particular psychology if they are going to survive over time in the same hands. The lack of this same psychology is why most lottery winners cannot hold onto the giant sums of money ... Home Buyers Face Decisions that Affect Their Long-Term Financial Picture Seek a Qualified Mortgage Consultant to Ensure the Best Results... Home Buyers Face Decisions that Affect Their Long-Term Financial Picture Taking the step for prospective home buyers.into home ownership is one of the most important financial decisions a ... The Life Insurance Policy and What You Need to Know Before You Buy Are you looking to buy a life insurance policy? Well, be careful. Life insurance can be difficult to understand and it's easy to be conned into buying something under false pretenses. Recently a prominent life insurance company together with several of ...
3 Totally Free Ways to Get Your Credit Report
Yes, you can now get your credit report without paying a dime. And unlike before, now it is truly free. No longer do you have to sign up for a "free" credit report by signing up for "credit monitoring protection service" for a low annual fee of $79 a year! The days of dodging the annoying charges and service fees for a free credit report are over.
Under the 2003 Fair and Accurate Credit Transactions Act, you have the right to a free copy of your credit report within a 12 month period from the big three credit report bureaus (Experian, Equifax and TransUnion). The goal of this new government act is to ensure that Americans have the right to stay informed about what these three credit reporting bureaus say about you without having to pay for it. Since identity theft, fraud and errors are quite common today, why should you have to pay for a copy of a report to fight back against these problems?
Here are the 3 ways to get your free annual credit report:
1) The three credit reporting agencies have created a website to request your annual credit report. Go to www.annualcreditreport.com to order your report.
2) Call (877) 322-8228 to request your free credit report.
If you go directly to the three agencies or use any other type of service you may end up having to pay or sign up for the subscription services I mentioned above! Make sure you use one of the 3 methods I have listed to get your annual free credit report.
You can get the reports from all 3 agencies at once or stagger the reports from each one during the course of 1 year. The advantage of staggering the reports that you receive is to keep track of how any major changes in your financial picture affect what is on your credit report. For example, if you plan on getting a second mortgage over the coming year, or applying for student loans, ect. it might be wise to get a report before and after these major events!
This new Act does not supplant the other methods you can take advantage of to receive a free credit report. If you are applying for unemployment or been denied a loan, or need a credit report in order to get a job, you still have the right to obtain a free credit report.
Take advantage of this new government regulation and make sure all of the information listed by all three credit reporting agencies are correct. Any errors or omissions can reduce your credit score and end up costing you a lot of money when you apply for any type of credit.
Two-week extension on tax returns - Personal Finance The South African Revenue Service (SARS) had postponed the deadline for the submission of paper income tax returns to Friday, December 5. SARS says it is granting the two-week extension because it gave employers a two-week extension to submit ...
The strong offer better protection - Personal Finance If your medical scheme is liquidated, you could be faced with unpaid medical bills, and unsympathetic service providers will come knocking on your door for outstanding amounts. It is important, therefore, to choose a scheme that is financially strong ...
Whether Lisps offer you real choice is open to question - Personal Finance Recently I wrote about how the new life assurance commission regulations can be side-stepped via the linked-investment service provider (Lisp) industry. Lisps are supposed to be administration platforms that enable you to access numerous investments ...
Go for the option that suits your lifestyle - Personal Finance Once you have compiled a shortlist of schemes that are financially stable, have a good membership profile and are governed soundly, you need to look at the options available on those schemes. Consider your healthcare needs and those of your family ...
