Posted on 31 December 2010.
Go to www.e-Credit.TV for Free Credit Repair, Free Credit Books, Consumer Credit Counseling, Debt Consolidation and Identity Theft Protection. In this video the U.S. Treasury Dept. explains how to obtain free credit reports from all three of the credit bureaus. The video also explains how Fraud Alerts work and the activation process.
Duration : 0:2:11
Posted in Three Free Credit ScoresComments (0)
Posted on 17 December 2010.
http://www.absolutelyfreecreditscores.com/go/absolutely-free-credit-scores.php
Find out what goes into your Experian credit report and score. Find out how you can monitor all 3 of your credit scores and prevent identity theft. Learn the best way to get all 3 Experian, Equifax, Transunion credit scores absolutely free.
http://www.absolutelyfreecreditscores.com/
Duration : 0:2:45
Posted in Three Free Credit ScoresComments (0)
Posted on 26 November 2010.
http://www.bestfreecreditscores.com
Absolutely Free Credit Scores Report are Available!
The long slow moving lines at your local bank which you would have had to normally endure in order to access your credit score is a thing of the past.
Nowadays, it is all too easy to access absolutely free credit scores report just by a few clicks of your mouse, from the comfort and privacy of your home.
A credit report will tell you everything you need to know about your current financial standing.
It will display how well you are doing paying your bills, and it will also show if you are actually keeping up to date with your car payments.
It also rates you with a score which will determine how credit worthy or trustworthy you are.
This one score will determine whether you are able to acquire, more loans or other credit faculties and it will basically show you what you are qualified for.
A credit report is a detailed record of your financial activity, which is compiled and kept by credit bureaus and is supplied to financial agencies when they want to assess your eligibility for a loan or other credit facilities.
A credit score is a numerical figure which is calculated using complex mathematical methods that look at your most current debts, payment history, inquiries, credit history and other credit related activities.
Each person has three credit scores, which each score provided by one of the three credit bureaus; TransUnion, Experian and Equifax.
You do not have to be previously denied a credit application in order to access your credit score.
You can easily obtain an absolutely free credit score report online once a year, instantly online.
You can instantly see what a lender would see before you apply for credit at any financial agency.
This information would undoubtedly give you some insight into what you would be qualified for based on the current financial data.
Reviewing your credit history for free online is highly recommended as you will be in a better position to identify incidences of identity theft, just in case you happen to be a victim.
It is also important to detect errors on your history report.
It is definitely not unusual for companies to record inaccurate information on a person’s credit history.
A copy of your credit history from an absolutely free credit report has all your information and happens to be rather essential in applying for almost any financial product.
There are several components which can affect your rating, so it is important that you get a free credit report in order to analyze your credit.
Some factors that can affect your score are charge-offs, late payments, bankruptcies and excessively high limits.
Your report gives you the opportunity to assess your score at your own leisure.
There is absolutely no excuse for not knowing your credit rating.
It is just too easy and the benefits of knowing your rating, improving your credit score and protecting your report are just too many to list.
So, make the first step, get an absolutely free credit scores report and ensure that your character is not mis-represented.
Get the best free credit scores http://www.bestfreecreditscores.com – created at http://animoto.com
Duration : 0:3:46
Posted in Three Free Credit ScoresComments (0)
Posted on 05 November 2010.
http://www.bestfreecreditscores.com
Absolutely Free 3 Bureau Credit Scores – Obtain An Accurate Report!
An average of ten million Americans utilize online checks for absolutely free 3 bureau credit scores annually.
A credit score is a number with three digits usually ranging anywhere from 300 to 850.
This report keeps track of all debt related activities such as mortgagees, car loans, credit cards, bill payments and other credit operations in order to establish your trustworthiness as a debtor.
A very important aspect which is used to calculate your overall report is the timeliness of your payments.
So paying your bills on time, every time is absolutely essential.
Basically a report stating a figure 700 and over suggests a pretty good credit standing.
For persons with a rating below 700 should try to achieve such a figure on their credit score.
Check All Three Scores
Most persons are unaware that there are actually three separate scoring systems which can be used in the tallying of your credit score.
These scores are handed by three distinct credit reporting departments namely; Equifax, Experian and TransUnion.
All three and accredited and very popular though there are times when they may use different ways in evaluating your score.
TransUnion uses the FICO score; Experian uses the Plus score while Equifax utilizes the Score Power score.
In order to get a comprehensive report of your financial status, it is important to use a service which employs all three scoring techniques.
If you are the sort of person which scrutinizes each bill and account then chances are a 3 bureau credit report might be unnecessary.
But for all the rest of us who from time to time have been a little lax in keeping check on our accounts, then a 3 bureau credit report becomes all the more necessary.
For many persons, this report provides peace of mind as if there is any form of mis-use of their accounts then it will quickly e spotted.
The most important thing to do to keep your credit healthy is to do a credit check every 6-12 months.
If you opt to access an absolutely free 3 credit score online, here are the specifics which you will ultimate be provided;
- A detailed comparison of the information provided by all three bureaus.
The figures may vary slightly due to the different methods of calculations used by them
- Detailed information on all loans and credit cards which you have or have had.
- Details of your re-payment history which will span your entire lifetime, includes time-sensitive information such as late payments and on-time payments
- A listing of all companies which have accessed your credit score.
What is your number? Let’s face it these set of numbers practically rule your life.
A good credit rating is definitely mandatory if you want to get anything done in today’s economy.
Good scores or poor scores have a major bearing on whether you ever own a car, purchase a home or even acquire the job that you desire.
So check it out right now – get absolutely free 3 bureau credit scores online.
Get the best free credit scores http://www.bestfreecreditscores.com
Duration : 0:4:2
Posted in Three Free Credit ScoresComments (0)
Posted on 18 October 2010.
Jean Chatzky is correct, you cannot get your FICO score–the score that is used by lenders–for free.
However, if you want an approximation of that score, there are a few companies that will provide them for free.
But keep in mind, that each free attempt will in fact add an inquiry to your report which has been known to lower your score. See credit score myths below.
And all [except MY FICO] are the credit scores developed by the credit bureaus themselves, Experian, TransUnion, and Equifax, and are not your actual FICO scores.
Only the FICO score from myfico.com is used by lenders to determine your credit worthiness.
CreditKarma.com:
Gives you your TransUnion score. But it is Advertising-supported.
E-Loan:
Experian score. If you visit their website, be sure to scroll down to “One-Time Credit Snapshots” and “Free Credit Score (Credit Score Only)”
Prosper:
Experian score.
Feel free to ask any credit related questions in the comments section of this video. I’ll be happy to answer them if I can.
ALSO, PLEASE FREEZE YOUR CREDIT REPORTS!!!!!!
and please go to www.optoutprescreen.com to opt out of all offers of credit and insurance for 5 years. Don’t bother with the permanent opt-out.
Credit score myths:
Myth: You have only one credit score.
You actually have three scores, one from each of the three bureaus (Experian, TransUnion, and Equifax). They use the same “equation” from Fair Isaac Corporation but they each collect their own data, they each have their own slightly different weightings on the score components, and they each make their own share of mistakes. This is why it’s important for you to review each of your credit histories each year using government sponsored AnnualCreditReport.com. Some lenders pull your score from all three and use the middle value, some only pull from one. In the end, you need to ensure your information is 100% accurate.
Myth: Checking your score will hurt it.
There are two types of inquiries – soft inquiries and hard inquiries. A hard inquiry is when a financial institution uses your credit history to determine whether or not to extend you credit. A hard inquiry will appear on your report and negatively impact your score (this is why experts recommend you avoid applying for credit cards right before a mortgage application). A soft inquiry is when an institution uses your credit history to confirm your identity or when you personally review your credit history. Since it’s not used for a lending decision, it doesn’t negatively impact your score. Checking your history or score will not hurt your credit.
Myth: Shopping around for the best loan will hurt your credit score
Shopping around for the best loan will result in a lot of hard inquiries on your credit report but this is a special case. For mortgages, home equity, and car loans, a flurry of hard inquiries won’t hurt your score if they are within a 14 or 30 day window. Credit bureaus understand you will be making numerous inquiries to get the best deal. This rule does not apply to credit card application inquiries, each one of those will hurt your score regardless of how quickly you do them.
Myth: My FICO score dictates whether you get credit and at what interest rate.
Truth: The FICO score is a very important part of determining whether you get credit and at what interest rate but it’s not the only thing lenders use. When you apply for a loan, lenders will ask you for your bank account statements, your paystubs, and your outstanding debts in addition to pulling your credit. Lenders want to know whether you will be able to repay the debt and they cannot rely just on the score alone. If you have a lot of debt compared to your income and a high credit score, lenders could deny you credit. If you have little debt compared to your income and a low credit score, lenders could still extend you credit. Score is not the final arbiter, just a part of the equation.
Myth: Getting married will hurt (or help) your credit score.
After you are married, each spouse still has the same credit worthiness they had before they were married. Your scores won’t increase or decrease because you were married. The reason why people believe this myth is because when you start applying for loans, you’ll be applying for a joint loan where both spouses will be responsible. In this case, your aggregate score can go up or down. However, the act of getting married doesn’t change one’s credit worthiness.
Duration : 0:2:13
Posted in Three Free Credit ScoresComments (5)
Posted on 09 October 2010.
http://www.bestfreecreditscores.com
Get All Three Credit Scores For Free
Many persons view their credit scores as if it was just a number, but it is so much more than that.
A credit score is how an individual is rated and it tells how financially sound they are.
In these days, when nothing seems to be certain, knowing where you stand financially is indeed a wise choice.
Your credit scores are assessed by bank managers and other financial intermediaries before granting approval to loans and other lines of credit.
Therefore the state of one’s credit score is crucial.
Getting all three credit scores for free is actually quite easy as they are available in many places including the government.
By law the government is obligated to provide a detailed credit report if you ask for it, though you only have the privilege of doing so once per year.
Therefore since the government is obligated to provide these reports make certain to make use of the opportunity and request your free 3 credit bureau reports annually.
Apart from the government there are other ways to access all three credit scores for free.
There are credit bureaus which are accessible online, which will provide you with free access to your financial standing for a ‘trial period’.
These bureaus gather their information from the three credit reporting bodies namely; TransUnion, Experian and Equifax.
These three firms have been given the responsibility to record the credit activities of consumers and make them accessible to various loan agencies.
This way when an individual applies for a loan or a line of credit then all the necessary information is already compiled and can be sent to the loan officer upon request.
In just one click online you are now able to access a summary from all three reporting bodies in one easy-to-read statement.
This statement is sometimes known as a ‘three-in-one’ or a ‘tri-merged’ credit report.
Online businesses which offer this service are seeing an increase in their customer base, as it is infinitely easier to receive a consolidated statement based on information from all three sources.
On some statements you will actually be able to view side-by-side the reports from TransUnion, Experian and Equifax if you are interested in making a comparison.
There are times when the information from all three are not all saying the same thing, but normally the difference is negligible and does not interfere with your final credit score.
A really good online service may sometimes offer other additional services such as debt analyzing; they do this simply by summarizing your financial history in layman’s terms and explaining why your credit score is food or bad.
They may also offer credit repair advice to persons who may have received a bad score and would like to have their credit fixed.
However, it is ultimately up to you to make sure that the data within your report is correct as there have been occasion where errors have been made.
So do not waste your time any longer, sign up with one of these online agencies and get all three credit scores for free.
Get the best free credit scores http://www.bestfreecreditscores.com – created at http://animoto.com
Duration : 0:3:27
Posted in Three Free Credit ScoresComments (0)
Posted on 01 October 2010.
http://www.bestonlinereport.com Improve your score! Bestonlinereport.com will help manage your free credit report three! See whats dragging your score down and how to fix it! View and flag alerts from creditors and daily changes to your credit scores. Repair the leaks in your free credit report website- Visit BestOnlineReport.com today for a free trial!
Duration : 0:0:44
Posted in Three Free Credit ScoresComments (0)
Posted on 22 September 2010.
EDIT 4: Uploaded “All 9 FreeCreditReport.Com Commercials.” So go watch it with the 3 new commercials added to the collection. Now.
EDIT 3: You know, you don’t have to remind me that there are new commercials out. In fact I uploaded them, so I think I would know. I’m waiting for all the new commercials to come out BEFORE I make another collaberation. So yeah. Shut up about the new commercials.
EDIT 2: Added the lyrics as annotations on the video. Now you don’t have to look in the description for the lyrics!!! Be careful though, the annotations jump around the video a lot so keep your eyes open!
EDIT: Oh my God!!! Fine!!! Here are the freakin lyrics! Now stop spamming me with the constant comments and messages to put the 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.
Duration : 0:3:4
Posted in Three Free Credit ScoresComments (25)
Posted on 12 September 2010.
To vote for him, go here: http://freecreditscoreband.com/band/74
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Duration : 0:1:39
Posted in Three Free Credit ScoresComments (2)
Posted on 24 August 2010.
Click HERE: http://tiny.cc/r0xte or http://www.BestRatedGuide.com
All 3 Credit Scores
Updated 3-in-1 Credit Information
3 Bureau Credit Monitoring & Alerts
Online Instant Access to your Information
Duration : 0:0:25
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