Cash Back vs. Rewards, Which Credit Card Is Best For You?

You’ve probably seen the term “cash back” and “rewards” when searching for a good credit card for your needs. But what do those terms really mean? Which one is best? Let’s take a closer look… Cash Back Credit Cards – What they are and how they work A cash back credit card is a specific type of rewards credit … [Read more]

Which Credit Cards Are Offering Free Credit Scores?

I received a message recently asking about free credit score credit cards. I knew of a few credit cards which were currently offering free credit scores to their cardmembers, but after some in depth research, I found many more. I had no idea how many different credit card issuers were jumping on the free credit score bandwagon … [Read more]

MyCreditScore.com & MyFreeCreditScore.com – Stay Away!

I was browsing for free credit score offers this morning, as I so often do, and I came across a couple of sites to avoid – MyCreditScore.com and MyFreeCreditScore.com, and I will tell you why. First Up – what’s wrong with MyCreditScore.com A visit to MyCreditScore.com (as of this writing) will only redirect to a … [Read more]

Get your Free Credit Score – No Credit Card, No Trials!

Tired of those so-called “free credit score” offers – the ones that require you to enter your credit card details in order to view your credit score? Want a truly free credit score without having to sign-up for a free trial of some over-priced credit monitoring service? Me too, and I know of several great … [Read more]

How to get all 3 Free Credit Scores, No Obligations!

I’ve written about how to get a free credit score without a credit card, and how to get your 3 free credit reports… but what if you want to check all 3 free credit scores instead of just 1? Well as long as you have a credit card, you’re in luck! Currently, the only way to … [Read more]

How to get 3 Free Credit Reports – No Credit Card Needed

Need a free credit report, but don’t want to to enter your credit card information, or sign-up for one of those “free trials” to get it? There is only one source for truly free credit reports, no trials or catches, ever… AnnualCreditReport.com – All 3 Credit Reports Once Per Year AnnualCreditReport.com is the official, federally … [Read more]

Which Free Credit Score Site Is The Best?

What’s that you ask…which free credit score site is the best? Well, the answer to that question depends on many things, including what your specific wants and needs are. There are so many different sites out there offering free credit scores these days, it’s hard to know which ones are definitely worth checking out, and … [Read more]

Renting can now help build a great credit score

Credit bureau Experian just announced in a press release last week that it will now include good rental history on credit reports. Previously they only included bad renting history on credit reports. Before this announcement, only homeowners could benefit from their timely monthly housing payments, with renters being left out in the cold as far … [Read more]

AnnualCreditReport.com Review

AnnualCreditReport.com – What you actually get for free… Residents of all 50 of the united states are now eligible to view all 3 free credit reports per year, one from each of the 3 big credit reporting agencies (Equifax, Experian and TransUnion), at a government mandated central location – www.annualcreditreport.com. But do you know exactly how … [Read more]

How to establish good credit with a credit card

How to Establish Good Credit using a Credit Card It takes time to establish a good credit history, it doesn’t happen overnight. But you can get started by applying for a credit card, and using it wisely, which can help you on your way to having an excellent credit rating. Follow these simple steps to … [Read more]

What is credit monitoring, and how does it work?

What is Credit Monitoring? Credit monitoring is, simply put, the act of closely watching your credit report for changes, such as inquiries made (a company accessing your credit report – lender, creditor, insurer etc.), or checking for signs that you have opened a new account… These are just some of the things that you should … [Read more]

What is a 3 in 1 credit report?

What is a 3 in 1 Credit Report? There are three credit reports that you should check on a regular basis – Equifax, TransUnion and Experian. With a 3-in-1 Credit Report, you can check all 3 at once without having to go to each website and check them individually. In addition to checking your credit … [Read more]

What is TransUnion, and why is it important?

What is Trans Union? Trans Union is one of the “Big Three” major credit reporting bureaus which are commonly used by insurers and lenders to obtain information on their applicants credit history. Based in Chicago, Illinois – TransUnion in 1968 by Union Car Company. As of 2006 it operates more than 200 offices across the … [Read more]

What is Experian, and why you should check your Experian Credit Report

What is Experian? Experian is one of the “Big Three” major credit reporting agencies. Formerly known as TRW Information Systems & Services, and headquartered in Dublin, Ireland, it is one of the credit reporting agencies commonly used by insurers and lenders to obtain information on their applicants credit history. Experian also owns FreeCreditReport.com and ConsumerInfo.com. … [Read more]

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