Tag Archives: Credit Report

Tips To Get Your Budget In Tip Top Shape

If you’re hoping to make a big purchase in the future, consider beginning to track your finances today. This article is filled with tips that will help you improve your skills.

Eat like a local would to save money in a foreign country. Restaurants in popular tourist areas and hotels will overcharge you, so look into where the locals go out to eat. You can actually find food that is cheaper and tastes better.

By purchasing protein in increased quantities, you can save money and time. It will always save you money if you can buy in bulk as long as you are able to use all that you purchased. A good way to save yourself time during the week is to spend one day of the weekend preparing enough meals for the week.

Things can appear to get worse before they get better, with your credit rating actually dropping in the beginning of the credit repair process. This does not mean that you have done anything wrong. As long as you continue to act responsibly, it will be reflected in your credit report. Your score will improve eventually.

Health Insurance

Having the proper health insurance policy is crucial in protecting your personal finances. Everyone gets sick during their lifetime. Good health insurance is crucial in those situations. It doesn’t take long for medical bills to add up, and even a minor health problem can be very costly. Paying for proper medical care is not possible without a good insurance plan.

If you’re one half of a married couple, the partner who has the strongest credit should be the one to apply for a loan. Paying off credit card balances is a great way to repair a bad credit report. Once you have both improved your credit scores, you can share the debt responsibility for future loans.

If you are unsuccessfully trying to pay off the balance on a credit card, refrain from making any new charges with it. Try to lower your expenses as best as you can and look for other payment methods, so that you don’t max your credit cards out. Pay off your monthly balance before you start using your credit card again.

Make savings your first priority with each check you receive. If you go forward, expecting you will simply save the remainder for each month, you will be encountered by a surprise known as “reality”. If you know that the money isn’t available, it will help you create a budget, and will curb the temptation to spend.

For people who fly often, you should enroll in frequent flier programs with every airline that you routinely travel on. A lot of credit card companies give rewards based on the amount charged. These rewards can be used to get discounted or free air fare. You may also be able to redeem your miles at certain hotels to get a discount, or even a free room.

Buying a car is an extremely large financial decision, and you should not approach it lightly. Compare different options and go to different dealers to find the best price for your new vehicle. You can sometimes find great deals on dealership websites.

Learning to deal with your finances at an early age will allow you to make larger investments later in life. This article can help you be ready to make smart decisions with your money.

Where can I find if I’m a identity theft victim or if my credit score is bad?

b33n_witch3d asked:

I’ve heard that identity theives even steal teen’s identities making their credit bad without them realizing. I am a concered teen worried if my credit score is bad and/or somebody has stolen my identity. I’ve been to several credit report websites and am unable to find one that allows people under 18. Do you know of a website to solve either of my questions?

identity theft

Fraud Alerts, Your Credit Score & Identity Theft

If you are like many men and women, you have an understandable concern in regard to identity theft. Statistics prove that you are likely to become the victim of identity theft at least one time during your lifetime. In fact, when you really consider how common identity theft actually is, odds are that you will become a victim of identity theft once every ten years. Understanding how common identity theft is, you must realize how it can impact your life and your finances, including your credit score.

If you discover that you have become the victim of identity theft, one of the first things that you will want to do is to make contact with each of the three major credit reporting agencies. These agencies make it fairly easy for you to report the fact that you have become the victim of identity theft. These agencies maintain special toll free numbers and dedicated portals on the Internet and World Wide Web through which you can report that you have become the victim of identity theft.

Once placed on your account, a fraud alert will flag any activity. In other words, even if an inquiry is made to the credit reporting agency about you, you will be notified immediately. This is very helpful to you when you are fighting identity theft and working to prevent your credit score from being damaged or harmed because of identity theft.

You may be wondering whether there is a charge to have a fraud alert placed on your credit report and your associated credit score. The fact is that the credit reporting agencies do not charge you anything for placing an alert on your credit report and your credit score.

There are identity theft protection agencies in business today that can assist you in undertaking these types of steps to protect your credit report and your credit score. These services do charge a fee for their assistance.

Finally, when it comes to the issue of identity theft, a fraud alert, your credit report and your credit score, you need to keep in mind that these alerts do not stay in place forever. Therefore, you need to make sure that you remain in contact with the credit reporting agency in order to keep the fraud alert in place for as long as is necessary. It is important that you do not release the fraud alert in a premature fashion.

By: Bernard Pragides

About the Author:

Author and internet entrepreneur Bernard Pragides offers expert advice and tips regarding identity theft. Learn more about identity theft and fraud by visiting his identity theft blog at http://www.LifeLockBlog.com.

I have two identity theft accounts and they have become collection accounts. How can I remove them?

denqweihsinqa asked:

I have two identity theft accounts. Someone use my social security number to apply for SBC and Direct TV. I never receive bills from them. When I found out about these accounts, they already shown as collection on my credit report. These have negative effect on my credit. I called up the collection agency for SBC and told them this is not my account. They are not willing to remove me. I have called up Federal Trade Commission and reported these. They couldn’t do anything about this. I have try to consult free legal aids, they didn’t make any reply!!! How can I remove these identity theft accounts?