Free Credit Reports

What is their business model? They advertise a lot on the Internet and TV, they must be profitable.

Ever notice the FreeCreditReport.com commercials always end with "offer applies with enrollment in Triple Advantage" ??

Triple Advantage is a service where they charge $10/month to your credit card… and in return, you get your report from the 3 bureaus each month. I’ll go out on a limb and assume there’s some ridiculous fee for cancelling the service.

The only FREE site is AnnualCreditReport.com (or you can go to each bureau’s site individually). It’s run by one of the bureaus, and allows you to get your credit report from each of the bureaus absolutely free once per year (as mandated by the government).

I’ve paid all my bills for the past five years (I was young and stupid) yet I still get rejected for good credit cards and only get offers from cards with high APR’s and annual fees and low credit limits

Pay your bill on time.

LC

Is there any way to start a credit repair business?

A credit repair business just charges people money they don’t have to do things they can and should do themselves for free.

If you are in the US, The Federal Trade Commission (FTC) has excellent resources on this subject. Go to http://www.ftc.gov/credit

I just turned 18 in the end of October. What would my credit score be now? What does it start out as? What is the eastiest way to build your credit score? How long does it take to build your credit? Do you get points per month or what?

it starts off as nothing. If you get negative info it starts at 300 and up.
when you create credit for about 3 months you will get a score. After about 6 months it will create a history report of statistics, only for getting more credit(you will not see this).Credit depends on many things, 1 credit card on a blank credit can get you a 700 it doesnt mean banks will trust you. It takes time and accounts being paid back.

www.creditrepairuniverse.net
24 Hour credit dispute
Erase:Chex-systems, bankruptcy, judgments, repossessions, collections,
charge-offs, late payments, inquiries
Free Cpn,Scn:New credit File in your own Social Security

My home mortgage will reset in a few months. If I bring down all my credit card balances to 0 now, how soon will my credit reports reflect this; thus improve my credit scores?

Creditors report once per month, usually on the last business day of each month.

www.fixmyuglycredit.com Paying off a debt collector will not improve your credit scores.

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Is your credit out of control? A credit score can be just like a neglected pet.

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http://www.37daystocleancredit.com

In this video I sow you REAL proof on how I deleted 1 judgment and 1 charge off my credit report with 1 letter. You’ll see the exact letter Transunion sent me.

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NO PURCHASE NECESSARY. Enter by August 30, 2009. a) Legal residents 18 years and older, and b) VOID WHERE PROHIBITED. Official rules and entry form: http://www.FreeCreditReportVMAcontest.com

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A credit score is calculated through considerations of payment history, duration of credit history and how much new credit has been umed. Discover how to calculate credit scores, and how much things like paying on time factor in, with tips from a financial consultant in this free video on personal finance and credit scores.

Expert: Carrie Kukuda
Contact: www.wearehdtv.com
Bio: Carrie Kukuda has a business administration degree, and was branch manager of a community bank.
Filmmaker: Christopher Rokosz

Duration : 0:1:43

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