lexcredit asked:

www.lexcredit.com Credit repair services for those who feel their credit scores do not accurately reflect their credit risk. Helping consumers take action on their credit since 1991, Lexington Law has served over 1 million clients. … credit repair services lexington law firm correct risk company lawyer attorney inaccurate report correction bureaus

et your free online Experian Credit Report at the FreeCreditReport web site when you sign up for a free trial of Triple AdvantageSM Credit Monitoring. Simply fill out your information for identification purposes, answer a few questions and your credit report will be available to you on-line, in no time at all, once your identity has been confirmed.

Your Username and Password will enable you to view your credit report on some of these services for 30 days over the Internet in the most secure environment that they can provide. You will also have access to an array of benefits located in services like – My Credit Center.

Getting your free Credit Report and Credit Score is the first step in knowing your credit. Monitoring your credit report allows you to stay on top of your credit on a daily basis.

You should do this to take the guesswork out of what/\’s happening with your credit.

Your credit is one of your most important assets. Having good credit means you should have more options to borrow money at the lowest cost and from the best lenders. It also means that others who look at your credit such as landlords, insurance companies, or even prospective employers re less likely to turn you away or penalize you because you have poor credit.

Your personal credit report contains such information as your name, current and previous addresses, phone number, Social Security number, date of birth, and current and previous employers. Your spouse/\’s name may appear on your version of the credit report, but it will not appear on the version that is provided to others. This information comes from your credit applications, so its accuracy depends on your filling out the forms clearly, completely and consistently each time you apply for credit.

Creditreport.imess.net is worth a try. Many people say they have used it to monitor their credit and some have said that they also cleaned off some bad items from their credit report. You can apply for a free initial plan and get your scores and reports for free.

In all your thoughts about credit reporting do keep in mind there are 3 reporting agencies. If you keep track of when you pull each of the three then you can spread it out to one every 4 months. That would be ideal if you could do that.

Freecreditreport.com, Experian, Transunion, Equifax are all in it to make some money from providing these reports. So many people are asking where they can get a genuine free credit report without having to give up my credit card information and sign up for some monthly membership or a dumb “identity theft monitoring alert” service?

Unfortunately, in order to get your credit report a lot of the websites ask for your credit card information. They do that so when you sign up for a free trial if you don/\’t cancel within that time they can charge your account. Myfico.com is one of the best ones out there. I understand that users have reported that they signed up for there free 30 day trial and also cancelled it before the 30 days was up and indeed didn/\’t get charged anything.

What is a free credit report?

The answer lies in the last three words of your question and is self-explanatory. A free credit report is when a credit bureau provides an individual a copy of their credit report without a charge.

It/\’s exactly what it says it is. A free credit report.. in other words, you don/\’t have to pay for it.

Am I entitled for a free credit report?

I am not sure whether this is correct, but I have been told that residents of Colorado, Massachusetts, Maryland, New Jersey, and Vermont are entitled under state law to one free report per year from a credit reporting agency. If you are a resident of Georgia, you are even entitled to more reports at two each year.

This is very useful especially if you have been denied credit on the basis of information in a credit report.

Who is eligible?

I am not a legal expert but I did find a statement on the web that said that based on the Fair Credit Reporting Act, sections 612 (b), (c), and (d), you are entitled to one free credit report per year directly from a credit reporting agency only if you certify that you are unemployed and seeking employment in the next 60 days, you are receiving public assistance, or you believe there are inaccuracies in your report due to fraud or have been denied credit because of information on your credit report. To get your free credit report, go directly to a credit reporting bureau and have proof of the criteria that entitles you to receive your free credit report.

Information here should not be construed as advice and it is offered without legal responsibility or liability. It must be emphasised that you should consult a professionally qualified individual or company (such as an accountant, financial adviser or solicitor for example) should you need advice on your financial situation, as they will be able to tailor their advice to your situation accordingly.

By: Steve Evans

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Philomena De Dios asked:


I am a business woman here in the Philippines, province of Bulacan, I apply business loan online, they said that my loan was approved, but I need to pay for unsecured loan fees first before getting my loan, they are based in London according to their emailed data.Do I need to pay first and if I pay, is it sure that my loan will release for me?
I am applying a business loan abroad online.

Justin W asked:


I need to raise my credit score 20-30 points in the next 30 to 60 days. I have two good revolving accounts with no late payments…I also I have a few accounts in collections ranging from 12 to 48 months old. I am being told different things…if I take care of the collections account then it would rate me highier and also being told if I pay them off it will show recent history and it could lower my score…please help trying to refinance my house

iLuVMyFaMiLy:) asked:


I had one credit card at 18 that I unfortunately let go and now that Im 25 its still prohibiting me from obtaining credit. How is it that people go into debt by hundreds of thousands and my credit is shot over one $300 credit card??? How do I get my score back up to par…I know one option is to pay it off or set up a payment plan but are there other ways???

BillmanWife asked:


When you go to a dealership and they run your credit history to give you a better idea of what rate they can finance you at. How many points does it take away from your credit score? We’ve been car shopping here lately for two vehicles one for my hubby and one for me. Well he already got one, but we went to a few different dealerships and now we’re going to our second one for my car.

GOH asked:


as im very sad,due to im having a financial problem just need 3k to tide over .now i got to find my own way.

Jen M asked:


Is it just as effective to get a card for a department store or something like Home Depot as it is to obtain a Visa or MC? His current low credit score is due to lack of credit, not due to mismanagement of credit

bigcouchpotato asked:

The singing pirates are back, and forced to drive a real junker due to bad credit. If he would have used freecreditreport.com then he would have known his credit was bad and wouldn’t have been so disappointed at the dealership.

? Lady L ? asked:


I added one on there back in Oct 2006, b/c someone had used my info to obtain credit. I was told that it would only remain for 90 days, but it has been longer than 90 days and I believe it is still on there. HELP!!!