Get Your Credit Report Free - 3 Times Per Year
By now you are probably aware that you can get a copy of your credit report for free once a year. But how do you get it for free three times a year? There are three credit reporting agencies: Equifax, Trans Union, and Experian. By law, each of these must provide a free report once a year if you request it. Most people order all three at once and only check for errors once every twelve months. If you would like to monitor your credit more frequently, only pull one company’s report every four months.  Remember, that these credit reporting agencies are three differe

Ways to Increase Your Credit Score
You may have heard that we are in a credit crunch or that banks aren’t lending.  The truth is that banks are still lending because that is how they make money. The difference is that they are being very cautious who they lend to in order to minimize losses. Getting a loan today requires a higher credit score than just a few years ago. According to John Ulzheimer, president of consumer education at Credit.com “You need a 750 or better today to have the same treatment you got with a 700 two years ago.” Don’t know what your credit score is? Lending is credit score driven, so knowing your score is the first step.