Duration : 0:0:40

Technorati Tags: 3 credit report online, 3 credit report score, free credit report 3 scores

1st: Singing Pirates
2nd: Dream Girl
3rd: New Car
4th: Renaissance Fair
5th: Bicycle
6th: Rock Star
7th: Roller Coaster
8th: Cellphone
9th: Reno

Duration : 0:4:38

Technorati Tags: bad, Bicycle, Car, card, Cell, com, commercial, Commercials, credit, free, freecreditreport.com, funny, good, LilyoProductions, New, Phone, Reno, report, Rock, score, singing, song, Star

Here ya go. Oh yeah, sorry about how the video flashes occasionally, I tried my best but I just couldn’t fix it. Deal with it.

Lyrics:
New Job/Pirate Restaurant Commercial:
They say a man should always dress
For the job he wants, so
Why’m I dressed up like a pirate
In this restaurant?
It’s all because some hacker
Stole my identity
Now I’m in here every evening
Serving chowder and iced tea

Shoulda gone to:
Free credit report dot com

Yee-haa!

I coulda seen this coming at me like an atom bomb
They monitor your credit and send you email alerts
So you don’t end up selling fish to tourists in T-shirts
Offer applies with enrollment in Triple Advantage.

Dream Girl:
Well I married my dream girl
I married my dream girl
But she didn’t tell me her credit was bad
So now instead of living in a pleasant suburb
We’re living in the basement at her mom and dad’s.

No we can’t get a loan
For a respectable home
Just because my girl defaulted on an old credit card
If we’d gone to free credit report dot com
I’d be a happy bachelor with a dog and a yard.
Offer applies with enrollment in Triple Advantage.

New Car:
Well I was shopping for a new car, which one’s me
A cool convertible or an SUV?
Too bad I didn’t know my credit was whack
‘Cause now I’m driving off the lot in a used sub-compact.

F-R-E-E, that spells free-
Credit report dot com, baby
Saw their ads on my TV
Thought about going but was too lazy
Now instead of looking fly and rollin’ phat
My legs are sticking to the vinyl and my posse’s getting
Laughed at
F-R-E-E, that spells free-
Credit report dot com, baby
Offer applies with enrollment in Triple Advantage.

Bicycles:
Check it out, gas prices blowing up sky high
Ditched my used subcompact for a two-wheeled ride
Now I’m rolling eco-friendly but I still look bad
When the bike store saw my credit they said this was all they had

F to the R to the E to the E to the
C to the R to the E D I T
RE to P O R T to the DOT to the COM
Come on everybody grab your bike and sing along, it’s easy
Offer applies with enrollment in Triple Advantage.

Rock Star:
When you’re a rock star
You get to party hard
Champagne and caviar
Tricked-out exotic cars

It’s just how I thought it’d be
‘cept the party’s not for me
‘Cause some punk opened a credit card with my ID

Free What? (free credit!) report dot com (I said it!)
That’s the site I’m gonna hit when I go home
They know how credit works
They send email alerts
Now I’m finding out how bad reality hurts
Offer applies with enrollment in Triple Advantage.

Renaissance Fair:
I was getting depressed ’cause of all the stress I was feeling at home
Had a poor credit score and the number would haunt me wherever I’d go
Thought I’d move to a place where my credit could stink and nobody would care
I just wish that somebody had told me that place was a Renaissance Fair!
Free Credit Report dot com!
Tell your friends, tell your dad, tell you mom!
Never mind, they’ve been singing our songs
Since we first showed up with our pirate hats on!
If you’re not into fake sword fights
Pointy slippers and green wool tights
Take a trip from a knight who knows
Free Credit Report dot com, let’s go!
Offer applies with enrollment in Triple Advantage.

Roller Coaster:
Buckle up everybody cause were taking a ride
It can strain your relationships and hurt your pride
It’s the credit roller coaster and as you can see it kinda bites so sing the lyrics with me:

When your debt goes up, your score goes down,
When you pay a little off it goes the other way around
It’s just the same for everybody every boy and girl,
The credit roller coaster makes you wanna hurl.

So throw your hands in the air, and wave ‘em around
Like a wannabe frat boy trying to get down
Then bring em right back to where your laptops at.
Log on to freecreditreport.com, stat
Free credit score and report with enrollment in Triple Advantage

Cell Phone:
Wanted to get myself a new cell phone
So I could hear myself as a ringtone
Who knew the store would go
And check my credit score?
Now all they let me have is this dinosaur!

Hello hello hello, can anybody hear me?
I know I know I know, I should have gone to
FreeCreditReport.coooom!
That’s where I shoulda gone,
Could have got my knowledge on.
Free credit score and report with enrollment in Triple Advantage.

Reno:
We were stuck in a basement apartment
Tiny rooms where the sun never blessed
So when we needed space for a family,
Set our sights on the wide, open, west.

Well I thought we’d see sierra vistas
And breathe air pure as new-fallen snow
But my poor credit score was a sinker (or stinker?),
Now we rent by the week in Reno.
Free credit score and report with enrollment in Triple Advantage.

Duration : 0:4:41

Technorati Tags: All, Bicycle, Car, Cell, Coaster, Commercials, credit, Dream, Faire, free, Girl, Job, New, NIne, Phone, Pirate, Ren, Reno, report, Report.com, Restaurant, Rock, Roller, Star

Duration : 0:0:29

Technorati Tags: fish, folk, food, lobster, music, old, shack, woman

Improving Your Credit
If your credit score isn’t as high as you would like it to be there are a
few things you can to raise your score.

1. Pay all bills early. Paying your bills early serves two purposes.
First, because interest is accrued daily you save on interest if
you pay when you receive the bill rather than on the due date.
Second, if you make it a habit of paying bills when you they
arrive there will be less of a chance that you will forget the bill.

2. Use online banking. Most banks will offer online banking for
free. This is a great tool to help pay your bills on time. It gives
you the option of paying a set amount every month or, with
some creditors, will actually pull the bill and pay the amount
owed every month. If you pay a set amount, be sure it is
higher than it needs to be since the amount due can vary.

3. Pay off credit cards. The goal here is to have the smallest
percentage of debit to credit limit as possible. You should
never have more than 50% of a credit card used up, but 25%
or less should be your goal. If you are having trouble paying
down the balances, ask for an increase on your credit limit, but
don’t put any new charges on the is card, this will lower your
ratio and improve your credit score.

4. Do not close seasoned accounts. Lenders are looking for
accounts that have been open for several years. If you have a
credit card that you got five years ago, closing that account will
actually hurt your credit rather than improve it. The older the
account the better.

5. Stay away from new accounts if it can be avoided. Getting a
department store credit card may save 10% on your purchase,
but it will hurt your credit. If you know you are going to apply
for a home or car loan, do not open any accounts at least six
months prior to the anticipated date you will apply. If you do
not have any seasoned accounts then apply for some now.
Most lenders like to see at least three of them.

6. Be careful when comparing rates online. Once you are ready to
get your loan it is a good idea to find the lowest rate possible,
however inquires hurt your credit so be careful. Because the
bureaus understand the borrowers may want to shop rates,
they bundle inquires by type. If you are applying for a home
mortgage and four different lenders pull your credit ………………………

Learn How To Improve Credit Score Now.Visit Us At http://how-to-fix-your-credit.com/

Duration : 0:2:0

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However, if you want to see a free Credit Report from them you will need to just use the AnnualCreditReport.com and I will see my report for free and I won’t have to become a member of them, right?

Please answer this question, especially someone with experience.

You can get your free annual credit report from each of the three credit bureaus online thru AnnualCreditReport.com. This is the site mandated by the FTC and is the only site that won’t require you to sign up for monitoring services. Reports are free, scores are not.

Don’t bother to buy scores from any of the credit bureaus. All three now sell consumers non-FICO scores that are different scales. Creditors still use FICO scores and they are the only ones that count. Consumers can only get real FICO scores at Myfico.com. You can only get scores for Equifax and TransUnion. Consumers can’t get FICO scores for Experian any more.

Expert: Julie Asti, CFP
Bio: Julie Asti works as a financial planner for Asti Financial.
Filmmaker: Bing Hu

Duration : 0:1:34

Technorati Tags: credit card, debt, finance, income, investments, IRS, life insurance, money, mutual funds, stocks, tax deduction

They apparently dont want you to know about the credit freeze (a.k.a. Security Freeze) because once your credit is frozen they can not sell your personal credit information to numerous marketers.

We want you to know about this little known secret and ask that you share it with your friends and family; the most effective personal option for identity theft prevention is the credit freeze, period.

A credit freeze is a more effective method of identity theft prevention than a fraud alert (what Lifelock and others sell) because with a fraud alert, creditors still have access to your credit file and often ignore the alert and grant credit anyway!

So both methods are aimed at stopping identity thieves from obtaining new credit lines in your name but the credit freeze is a much more potent protection for consumers concerned with identity theft prevention.

Because the credit freeze is only obtainable directly from the credit bureaus (and they dont want you to know about it) there is very low public awareness about this identity theft prevention option.

It is easy to learn how you can freeze and unfreeze your credit at the three major credit bureaus through the use of a credit freeze. We show you how, step by step in this video.

Please visit http://www.IdentityTheft.info, for more information about a security credit freeze and identity theft prevention.

Identity theft affects fifteen million victims a year resulting in fifty billion dollars in fraud. As these numbers show the impact of identity theft is staggering.
What can you do to protect yourself? Hi, Im Bob Sullivan from MSNBC. The safest and frankly the only effective way to stop many types of identity theft is to place a security freeze on all three of your credit files.

A freeze prevents anyone from accessing your credit report. Without that credit history a company wont approve a loan or issue a credit card. So identity thieves can not get credit in your name.

Let me take you inside id theft for the info you need to get a security freeze.

Credit freezes arent free. Prices vary from state to state. If youre a victim of identity theft credit bureaus may waive the fee. You will have to contact all three credit bureaus; Experian, Equifax and TransUnion and provide them with your personal information. The process will be slightly different at each bureau.

At Experian you will first get this warning that a security freeze may make your life very difficult, but dont worry because it is not permanent. You can lift the credit freeze if in when you want to apply for credit. Now, pick your state. Then you will be asked for your name, social security number, date of birth, current and past addresses dating back two years, a copy of your drivers license and one utility bill. Notice you will pick a pin unlock code, write that down and put it in a safe spot. You will need it later to have the credit freeze lifted. Send the paper work by certified or overnight mail to Experian PO Box 9544 Allen, TX 75013 and in a few weeks you will get a notice from Experian that your credit file is frozen.

You will need to contact the other two credit bureaus too to be sure your credit is safe.
Again, it is important to note that to obtain the highest identity theft prevention level you must put a security freeze in place at all three credit bureaus.

To get a credit freeze from Equifax, send a certified letter with the requested information, a utility bill for proof of address, a police report if you are a identity theft victim and payment. Fees are different depending on where you live so you should check for your state online.

TransUnion wants similar information; a copy of your drivers license and payment. Send your credit freeze request to TransUnion Fraud Victim Assistance Department PO Box 6790 Fullerton, CA 92834. In a few states residents can apply by phone.

Security freezes offer real piece of mind to people who are worried about identity theft prevention. Remember a credit freeze may delay any new loans, credit applications or other purchases you legitimately want to make so you will have to plan ahead for thawing that credit freeze.

There is no full proof method of identity theft prevention but a credit freeze is currently the best option available.

Duration : 0:3:15

Technorati Tags: alert, alerts, bureau, credit, down, file, fraud, freeze, freezing, how, howto, id, identity, identitytheft, idtheft, lock, my, on, prevention, report, reports, security, theft, to, your

Duration : 0:0:55

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