When did you last check your credit report? If it’s been a long time then check your credit report now for free of cost from annualcreditreport.com. If you don’t know about what type of website it is, then for your information, this website is designed by the three credit bureaus (Experian, Equifax, and TransUnion) on the basis of the requirements directed by the Fair Credit Reporting Act. By using this site, you are allowed to connect with three agencies, and one time in year you will take the copy of credit report.

Remember, after getting connected with any of these agencies don’t fall prey for their lariat which they use to attract you to pay for other products. These products include credit score; customized reports, etc. don’t pay attention to them. Don’t deviate from your main focus, which is to get your free credit report that you can gain by following simple things. Always save your report in pd f format.

Be wary about unauthentic websites as freecreditreport.com

As you know, so many websites tried you to purchase their credit report. Federal trade commission says something about unauthorized sites for your benefit

“Many other websites claim to offer “free credit reports,” “free credit scores,” or “free credit monitoring.” But, be careful. These sites are not part of the official annual free credit report program. And in some cases, the “free” product comes with strings attached. For example, some sites sign you up for a supposedly “free” service that converts to one you have to pay for after a trial period ends. If you don’t cancel during the trial period, you may be agreeing to let the company start charging fees to your credit card.

Read the full story

The best things in life may be free, but these days the important things certainly are not. We have taken on the role of consumers so well, that we don’t even realize that so much stuff that we are being made to pay for should be totally free. And the good news is: lots of it is. What’s lacking is awareness. And that’s exactly what I’ve brought for you here. Here is a list of 20 things that you can get totally free, without even compromising on quality.

1. Your Credit Report

All those ads online offering free credit reports are a scam, we learnt that ages ago. But what’s not is a scam is http://annualcreditreport.com. Don’t be fooled by what ever other websites are telling you. At annualcreditreport.com, you can get 1 free report from each of the 3 credit reporting agencies every 12 months.

2. Credit Card

Give me one good reason why anyone should pay the credit card companies an annual fee? First they make money by charging you interest, and then you have to pay annual fees as well. Don’t pay for a credit card annual feel. American Express has no fee cards, and many other financial institutions offer the same. Don’t pay any more credit card annual fees.

3. Banking Services

Just say NO to paying bank fees. Sign up for their free account. Switch banks if you have to, just don’t pay any fees for banking. Banks are already earning interest by holding your money, so why should you pay them more? Do your best to never pay for checks again too. Pay your bills using free bill pay services or online using your debit or credit cards. When and if you do run out of checks, have a nice friendly meeting with your local bank branch manager and ask about getting a free refill.

Read the full story