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Taking control of your credit is one way of protecting yourself. It is your right to see your credit report.

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GoFreeCredit.com allows you to see your credit report and credit score online for 60 days which is FREE and enrolls you in a trial credit monitoring program (If you wish) that alerts you to any changes to your credit report that could affect your credit score

Staying on top of your credit report allows you to protect yourself from identity theft, incorrect bills and a misrepresentation of your credit history. Knowing what is being reported, you can easily do credit repair yourself to eliminate damaging items on your report. I have published how you can easily remove negative items and the responses from readers who have used my tips are all positive. Read how you can be successful too by going to 'How To Remove Bad Credit from Your credit Report'

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FREE PDF Download ~Dispelling The Credit Repair Myths

As with many things, we need help once in a while, but credit repair is certainly something that you can do quite easily on your own with a little elbow grease and time.

There are some myths. Some may shock or even anger you, but it is a message that must be told. For example, you probably think you can't do it yourself and you NEED a professional agency to do it for you. That couldn't be further from the truth.

I am giving you this FREE download, so you can learn some of the credit repair myths. This information is something you shouldn't be without.

Click the link below to receive your free copy:

FREE DOWNLOAD: DISPELLING THE CREDIT REPAIR MYTHS

Go HERE to learn the credit repair agencies top secret methods for removing negative items, inquiries, judgments, and bankruptcies from credit reports.

Avoid Identity Theft ~ Part 2

Be alert to any suspicious activity by keeping a close watch on your financial accounts and billing statements.

1) Be alert to signs that require your immediate attention:
2) Bills that do not arrive as expected
3) Unexpected credit cards or account statements
4) Denials of credit for no reason
5) Calls or letters about purchases you did not make
6) Letters received from debt collectors

You are entitled to a free credit report each year. Get your free copy and inspect the information it contains.
You can go online to www.AnnualCreditReport.com. This service was created by the three nationwide credit reporting agencies and you will easily get your free copy.


How To Defend Yourself Against ID Theft

If you suspect Identity Theft you can place a 'fraud alert' on your credit reports. This alert will tell creditors to follow certain procedures before they open new accounts in your name or change anything on your existing accounts.

Three nationwide credit agencies are:
Equifax: 1-800-525-6285
Experian: 1-888-397-3742
TransUnion: 1-800-680-7289

When you place a fraud alert, this also entitles you to free copies of your credit report. Look for inquiries from companies you didn't have contact with, accounts you didn't open and debts on your accounts that you can't explain.

Close any accounts that have been tampered with or you did not open. Call the security or legal department of each company where the account was opened or changed without your knowledge. Follow up in writing

Contact ftc.gov/idtheft to support your written statements.

Ask for verification in witting that the disputed account has been closed and the fraudulent debts discharged.

Keep copies of all documents and records of conversations regarding the theft.

File a police report. The creditors involved may want proof of the crime.

Report the theft to the Federal Trade Commission. This report helps enforcement officials across the country in their investigations. 1-877-438-4338

DIY Credit Repair

I have taken the time to put together an article on How To Remove Bad Credit from your Credit File.

This information will help correct your credit and it should be done with all Credit Bureaus.

I have personally used these methods and had much success removing negative items, collection accounts that were not mine and removing errors contained in my credit report. You will be amazed at what is listed on your report.

You are legally able to obtain a FREE credit report every 12 months by calling each Credit Bureau. If you were turned down for credit, you can request a copy of your credit report and have the company that declined you outline why you were turned down for credit.

I will show you ways of removing negative items from your credit file. These methods are sometimes referred to as "Credit Repair".

These are the exact same methods credit repair clinics and attorneys charge up to $2,500 or more to perform. Since they don't always do it correctly, people have been taken for millions of dollars over the past years.

You can outsmart creditors who are damaging your credit!

Now may be the time you are looking to refinance or apply for a mortgage. You certainly don't want to be turned down because of negative items that could have been removed. You may think it is not necessary to take the time and perform each step to remove negative items. I can assure you it is very necessary. Your credit affects you every time you apply for a loan, apply for a credit card, or want something put in your name; a utility, a cell phone. Even car insurance companies are checking credit reports. At some companies, your rate is based on your credit score. Why would you want to pay more? The simple solution is reviewing your credit report, correcting any errors, remove negative items. This article will show you how and your credit score will improve.

Remove Bad Credit

Rebuild Damaged Credit

Has your life been touched by the recent financial turmoil of the US economy? With mortgages adjusting making payments higher, there have been more delinquencies. Due to the prices of houses dropping, the chances of refinancing can be more difficult.

This all can affect your credit if due to a higher monthly mortgage, it made it harder to keep up timely on your other bills.

Have you fallen into the trap of buy now, pay later? This too can cause you to easily fall into bad credit by having a large balance and not paying on time.
There are programs available for people touched with bad credit issues.

If you are suffering from credit problems, you may want to consider having one major credit card that helps rebuild your credit while getting back on your feet. Good payment performance when reported to the credit bureaus can help rebuild damaged credit.

Choose wisely and thoroughly read through the terms and conditions. There are many programs available and a wise choice would be to compare all offers that are available and not take the first offer you come across.

Rebuild Your Credit

Are you looking to rebuild bad credit ? One way to get back in good standing is to apply for a credit card. You probably receive many offers in the mail to apply for credit cards, but that doesn't mean you have to take the first bad credit offer you receive.

Wouldn't it be great if there was a web site that can compare the best rates, including APR, yearly fees, security deposits and membership costs? Well, now there is. If you go to Bad Credit Offers, you can get all the information necessary to make an informed decision that suits you best. They list the top credit card offers and give you the benefits of each, including which company will report to the credit bureaus.

You also can get information pertaining to home loans and car loans.

If you make your payments on time, you will rebuild your credit. This will perhaps help your financial future.

Know The Facts About Personal Loans

Did you realize that credit cards are really considered personal loans?

When applying for credit cards you should always be aware of the terms and conditions before you agree to open an account.

A loan can fall under two categories:

secured ~meaning money is used to purchase property and a lien in placed against it. If you fail to repay, the bank can ultimately reposes the property.

Unsecured ~ meaning money you borrow does not have a lien against property.

Your credit history determines the interest rate you pay.
Bad credit personal loans are issued if you have a blemish on your credit report. A lower credit score can result. Due to this, you may find you will pay a higher interest rate or the lender may require a down payment.

I would suggest always reviewing your credit report. You can obtain a free report with each reporting agency each year. I do this faithfully. In the past, I had found items reported that were not mine and they actually were working against me. I had no idea those items were there until I reviewed my credit report. I was easily able to remove these inaccuracies by writing to the credit reporting agency to dispute the incorrect information. Doing my own credit repair, has helped me achieve a higher credit rating, lower interest rates on future loans and less stress.

How many of you receive those special offers in the mail stating you have been pre-approved or pre-qualified to open a new credit card?
I receive at least 2 or 3 offers each week!. The offers always sound enticing, but after reading the terms and conditions, I find these cards are not suited for my needs.

It's best to shop for the best rates and terms before deciding on a particular credit card. You should also consider how you will use the card. If you know you will carry a balance from month to month, you may want to have a card that carries a lower interest rate.

If you always pay your bill in full each month, you may want a card that offers no annual fee.

At 600.net you will find all the pertinent information needed about credit cards. You want to educate yourself before deciding on that offer you received in the mail. 600.net offers information regarding the types of credit cards available to you, how they work, how to prevent fraud and even how to repair your credit.

You may want to check out the information regarding auto loans at 600.net as well.

It is to your advantage to know the facts regarding any loan before signing documents. This will save you time and money.