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Showing posts from October, 2005

Genuine FREE Credit Reports!

How to order your FREE credit report once a year: Online: www.annualcreditreport.com (or download a mail-in form) By phone: 877-322-8228 By mail: Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348 NEVER order a credit report from a site that asks you for a credit card number before giving you your 'free report'. Several firms have been convicted of secretly charging yearly credit monitoring fees. The best known good consumer site is www.myfico.com which is the Fair Isaac Company site (they invented credit scoring). This site has some useful credit comparison tools showing how credit scores affect interest rates which in turn affects your payments. A Tri-Merge (3 bureau) report costs about $50.00. If you check your own credit, it does not affect your FICO score. Be aware, you do not need to sign up for regular credit check services unless you are concerned that someone has been abusing your identitiy. If you have experienced identity theft an