Good Credit Score

AnnualCreditReport.Com : Good Credit Score

Due to the fact that we live in a money-driven world, and that we need money for almost everything we want to accomplish in life, having a good credit score is far more valuable than many other things in life ; However, although everyone would like to get an excellent credit report and credit score, in fact to get to the level where you could be qualified to try to get a financial loan & be certain that your own loan request is going to be accepted isn’t as simple as it may look. A good score isn’t the only thing that you need to be proven to the loan providers or financial institutions. It’s instead something that you’ve to develop for quite a while, when monitoring lots of small details & ensuring that every single financial move that you build is definitely the right step….

What Exactly Is a Credit Score?

Lots of people do not really understand about the term of credit score or free credit score, as when they find out what their actual score is, they often do not know what to think of the number in question. Namely, your credit score can be a number anywhere from 300 to 850, the latter being the best score you can possibly have. Now, what exactly is done in order to get this number? Well, the creator of the FICO report is the Fair Isaac Corporation, and they have come up with a way of rating people’s credit in the following way: 35% debt history, 30% debt level, 15% length of debt history, 10% new debt and 10% type of debt. When all of these factors come together, the famous number is created.

Good Credit Report

Why Is Having a Good CreditScore very Important?

Even though many people wrongly assume that they will not get any kind of loan if they have a bad credit score, this is actually not true. No matter how bad your score is you will always manage to find a lender willing to make credit available to you. However, the real question lies in the interest rates involved. This means that people with a good credit score will always get lower interest rates than the ones with a bad score, and the reasons for this are pretty obvious. If you have a good credit score, it automatically means that you are a low-risk borrower, which ultimately means that you are more likely to pay back the money without any problems.

How Can You Improve Your CreditScore?

To start off, you should actually get your credit score and see the number related to it. When you receive the score, you will also receive some advice on how to make this number bigger, which will result in improving your credit score. Basically, here is a list of things you should keep in mind if you want to create a good credit score:

Do not spend more than you can afford to pay back, meaning that you should always try to keep your debt below the maximum limit, as this will increase your score. AnnualCreditReport.Com

Make your monthly payments on time, or even before they’re due. This way, you will keep increasing that three-digit number everybody is so interested in.

Avoid having too many credit cards, and if you have to take out a new one you should always wait a few months before taking out any loans, as it takes this much time for your score to bounce back to the usual number.

Check your annual credit report & see if there are any errors. If there are, remove these errors as soon as you can, as they can affect your score in a bad way.

AnnualCreditReport.Com  – The best way to follow the points mentioned above is simply being responsible with your finances and think very carefully about every financial decision before you actually make it. By doing this you will make sure that you create good credit score and maintain it successfully. Annual Credit Report.Com

For further info regarding maintaining a good CreditScore, you can go to My Reviews Now On-line Buying/Shopping.


Online Credit Report Credibility

AnnualCreditReport.Com: Online Credit report

A credit report is a mere number which determines the credibility and authenticity of an individual or company based on their previous monetary transactions. It also keeps a tab of all the delay in payments and bankruptcies. This helps all the money lending organizations filter out the defaulters from genuinely interested men. However, in order to view a detailed report, one has to visit the Federal Trade commission. But this is not feasible at all circumstances. Besides, if there are any discrepancies in the credit report, one needs to approach the particular institution which has given the wrong feedback.

The latter has much more diverse impact and will definitely take the life out of the individual before he can convince the FTC to rectify the error. The process takes around 2 to 3 months and starts off with the initial paper work. One needs to be very persistent in sending the letters to the FTC explaining the error and the reason it was caused. However if you do not possess any hard proof and documents, your request will be not taken into consideration. After the submission of letters, the CRA takes a considerable amount of time to verify the authenticity of the complaint and cross references several instances to ensure its accuracy. Following this, the CRA then prepares a revised edition of the individual’s credit report and sends a copy of it to both the borrower involved and his corresponding lender. However, if the CRA is not satisfied with the argument provided by the petitioner, then the application is rejected immediately. But the person involved can still argue it out at the agency through a
center named Credit Info Center.

In order to avoid all this chaos and mayhem, the online credit report has come into existence. You can view it now, later and whenever you want to. It also helps you realise any aberration that has occurred in the report. In such a scenario, one can swiftly take action and correct the errors committed on the report.

Any changes that are made in the original report are immediately reflected on the online version. Hence, in case of any misunderstanding between the lender and the borrower, the online format can help them resolve any problem that may arise due to the inconsistency in the hard copy.


Since the credit report is provided instantly to the concerned individual at the time of need, a nominal amount needs to be paid in order to view the report. This is because a free credit report is sent only once every year  which is a very long period of time. online credit report

Thus the opportunity to work from one’s own backyard is provided by the online credit report. Time and tide wait for none and hence do not waste your time in going behind a hard copy of the report. Rather, find your scores online and provide them at the required places then and there and see your business flourish.

AnnualCreditReport.Com – Good credit scores means you are a favorite of lenders & it indicates that your finances are under control. This is why it is imperative to get your free credit report at least once in a year.

Where Do I Get My Free Annual Credit Report?


I’m sure you’ve heard the jingle sung by those young guys in pirate costumes, or the same guys riding around in the dreadful old car. Have you also seen the ads that misspell all or part of the above title? Well, all of those tactics are being used to separate you from your hard earned dollars and keep you from taking advantage of the fact that you really can get a free credit report.

According to the Federal Trade Commission there are a number of “Imposter Websites.” They claim to offer you a “free” credit report, but if you apply for one at their site, you will have to sign up for something they are selling before they will help you get the annual credit report you are entitled to by law. Well, don’t pay these imposters, go to the correct web sites and get your reports for free, no strings attached.


There are several ways you can qualify for a free credit report. First, by law you are entitled to receive a annual credit report from each of the three major credit reporting agencies, Equifax (, Experian ( & Transunion ( once a year. You can request the reports directly from each agency all at the same time, or you can order them one at a time, staggering them every few months. You can also go to the government’s web site,, and order your free reports there.

Annual Credit Report

My suggestion would be to order a report from a different agency every four months. It’s a way to monitor any activity that may occur on your report throughout the year, at no cost to you.  A note here, each credit agency is an independent entity, so their reports may or may not contain the exact same information on all your creditors. However, you should get about 90% of the same creditors on each report, which is certainly enough to help you keep track of what’s happening.


You are also entitled to a FreeCreditReport under several other circumstances.

  1. If someone denies your application for credit finance, insurance or employment because of the information contained in your credit report, you can order a free report from the reporting agency within 60 days of being denied.
  2. If you lose your job or if you are laid off you can request a free report if you plan to look for new employment within 60 days.
  3. If you are on welfare, you can get a free report.
  4. If your report is inaccurate because of fraud or identity theft you can also get a free report. AnnualCreditReport.Com

That’s it, just contact one or all of the listings above, and you can get a copy of your credit report FREE! There really is a annual credit report with no strings attached. Follow the information we’ve provided here, and you can start the process to getting your free credit report today.

Ordering your free credit report is the first step to taking charge of your financial situation. Credit repair sounds scary, but it’s not, the hardest part is getting started. With a little bit of information, some examples of letters, and a plan, you can repair your own credit for free.

Annual Credit Report.Com

If you fell like you need help with credit repair, get the information you need at Credit Score Maximizer [], it includes sample letters for you to cut and paste, and schedules and other information you can use it to repair your own credit. If I was able to repair my own credit, you can do it, too!

How to Access Your Free Credit Report


Searching for a free credit report is not always an easy task. Much of the time, companies claim that their reports are free, but only if input your credit card information and sign up for future monthly obligations. Not to worry! Federal Law requires the three major credit bureaus (Experian, Equifax and TransUnion) to give consumers access to at least one free credit report per year. This allows consumers to know what is on their credit report, whether they can afford to pay for a report or not. Checking your credit report for errors is very important because errors can hinder your ability to pull credit, purchase a home, get better interest rates, and even get a job.

Free Credit Report

Access Your Free Credit Report

If you have not received a free copy of your credit report in the last 12 months you are entitled to one at no cost to you. The government regulated site that you can access your free report is AnnualCreditReport.Com. Don’t worry, you don’t have to enter any credit card information or sign up for any ongoing programs. Simply select your state, choose all three credit bureaus, fill out your information accurately, and you will be directed to each of credit bureau websites where you will be able to access each report. Since you only have access to this report for a limited amount of time, it is a good idea to save your report as a PDF or print it out for your records. They are not always the most user-friendly reports, but they will give you the most comprehensive picture of your credit history.

AnnualCreditReport.Com : Credit Score

Your free credit report will not come with a credit score. If you would like to know what your scores are, then you can either pay for a score from each of the three credit bureaus, or you can get your FICO score from FICO, or Fair Isaac Corporation, is a company that uses the information from each credit bureau to calculate your credit score. This is the standard score that most creditors use to determine your creditworthiness, but there are other scoring models out there. The credit bureaus will often sell their versions of a credit score, but these consumer scores are not entirely accurate and are often times misleading. Since your FICO score is what most lenders use when approving or denying you for credit, it is best to purchase your FICO score if you decide to pay for your score.


Excellent Financial Solutions, LLC has been helping its clients with their credit problems for years. Excellent Financial Solutions provides honest & affordable services. For more info on our services or a free evaluation of your credit report, go to

Annual Credit Report.Com

Free Annual Credit Report – Don’t Get Duped


Why is it important you get your free annual credit report?

  • to ensure you are protected from identity theft and fraud
  • to help you attain the mortgage you need
  • to insure you receive the lowest possible interest rate on a vehicle or consumer purchase
  • to make sure a potential employer or landlord sees accurate information of how you handle money

The three major credit bureaus – Equifax, Experian and TransUnion – are required by Federal law to provide you as a consumer with a free annual credit report. According to the FCRA upon your request once a year, you can receive your credit score at no cost.


This is good news for those consumers who are on a tight budget and can’t afford the fee the credit bureaus normally charge. The credit bureaus do typically charge a fee, under other circumstances.

Free Annual Credit Report

It’s important to know you may only request a free annual credit report every 12 months.

Consumers beware… There are many websites offering a free report, but you may find out some will require you to buy something in order to get it.

It’s a good idea to investigate websites that may be questionable about getting something for free, especially if there’s a stipulation that goes with it.

The fastest and simplest way you can get your free annual credit report is to request it online.


With this request, you will have to enter your personal info. Although it varies by website you will typically be required to provide the following:

  • full name
  • address
  • social security number

If you have resided at your current address for less than two years, a former address is requested. This information helps to establish stability within the past several years. Once you have submitted your information and request, you will receive your credit report instantly.

Annual Credit Report.Com

It’s your responsibility to ensure the data on your report is accurate. Even if your credit is bad, knowing what’s on your report is the #1 step to repairing your credit. I hope you have found this information helpful about understanding and obtaining your free annual credit report.

Mark Pasay operates the FreeAnnualCreditReport website, where you will find his Top rated free credit reporting company recommendation. Find out how to get your 3 in 1 free credit report on a free trial basis… Click here and get your Free Annual Credit Report now.