Credit, Resources

How To Get THREE (or SIX) Free Annual Credit Reports

I am not a fan of credit cards, debt, or borrowing money, but I AM a fan of keeping my personal-finance house in order. So, I like to check my credit report, at least once a year. I have been doing so for the past 4 or 5 years. I live in Georgia, and we have been entitled to a free credit report (also known as a credit file disclosure) for many years. Now, everyone in the United States is eligible for a free copy of their credit report. Here is a link to the site for your free annual credit report: Annual Credit Report Simply go to the site, and select your state, and begin the process of getting…

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Credit

I Think Credit Cards ARE Great!

Yes, you read that title correctly. I think that Credit Cards are great. I will list the awesome qualities of Credit Cards here: They facilitate the rapid exchange of money for goods and services. They are extremely portable and durable. They make buying and selling, even among peoples of different nations and states, easy and simple. They are secure. They have fraud protection, built in. They come in an array of colors and brands. Gold, Silver, Platinum, Green. They are easy to use because of their amazing magnetic swipe. They allow for a reliable, reproducible history of transactions to be printed, copied, and shared. They come with different rates, different rewards, and different denominations, for different peoples, corporations, and businesses.…

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Credit

Truly Free Annual Credit Report

Okay, we have all heard about “free” annual credit reports, but this is for real. If you want free credit reports from all 3 of the major agencies (Equifax, Trans Union, and Experian), then you need to go here: www.annualcreditreport.com. This is a truly cool site. A short while ago, a law was passed entitling everyone to a free annual credit report. (Please note, when you use this site, you will be sent to each of the three credit agencies…they might try to sell you “advanced” services like credit scores and credit protection. If you do not want these things, simply check “no.”) Take your time at each site. Do not get fooled into something you do not want. I…

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