 |
|
 |
|
 |
|
|
|
|
|
|||||
|
|
|
||||||||||||||||||
|
|
HOME |
|
CREDIT CARDS |
|
LONG DISTANCE |
|
INTERNET |
|
LOANS |
|
CELL PHONES |
|
INSURANCE |
|
BANKING |
|
KNOWLEDGE |
|
|
|
|
|
||||||||||||||||||
 |
|
 |
 |
|
:: HOME :: CREDIT CARDS · Main Page · Card Recommender · Comparison Chart · Sort by Bank/Issuer · Top Five Credit Cards · Credit Card Specials · Sort by Credit Rating Main Categories · Balance Transfer Cards · Business Credit Cards · Cash Back Credit Cards · Fixed APR Credit Cards · Instant Decision Cards · Low APR on Purchases · Rewards Credit Cards · Student Credit Cards · Travel Reward Cards Other Specialty Cards · Cards for Parents · Gas Rebate Cards · Hotel Reward Cards Bad/Damaged Credit · Bad Credit Credit Cards · Debt Consolidation · Pre-paid Cards Credit Resources · Calculators - New! · Tips & Advice - New! · Credit Card FAQ · Credit Card Glossary · Credit Reports, Scores · Identity Protection · More Credit Resources :: LONG DISTANCE :: INTERNET SERVICE :: LOANS :: CELL PHONES :: INSURANCE :: ONLINE BANKING :: KNOWLEDGE :: MORE |
|
 |
|
|
|
Credit Card Tips and Advice Center Topic: Credit Reports See the subtopics menu for tips and advice about credit reports and credit scores. For additional information about credit cards, see the topic list directly below.
 3-in-1 credit reportWhat is a 3-in-1 credit report? Thanks to the Internet, you can instantly access your entire credit history through a 3-in-1 credit report. A 3-in-1 credit report shows the credit report information from all three credit report bureaus (Equifax, Experian and TransUnion) but only requires you to purchase it through one site. Obtaining a 3-in-1 credit report can be a good idea for anyone in any credit situation, as it allows you to check all three bureaus for inaccuracies within your credit history at the same time. You can also ensure that all information, including personal details such as addresses and employment information, is being reported correctly and equally to each bureau. A potential creditor may pull all three at the same time to determine if you qualify to borrow from them, so it is a good idea to make sure all three are correct and complete. ^ Back to top Dispute Credit ReportHow can I dispute an item on my credit report? Mistakes can pop up on your credit report, and it's your responsibility to get them fixed. When you are disputing an item on your credit report, make sure you have all the details of the dispute ready and notify your credit card company as soon as possible. They will take the information you provide and contact the creditor for information on the disputed purchase. If it is found that the information is wrong, it will be removed from your credit report. Correcting a mistake on your credit history can take a long time to fix so don't delay contacting the credit report agency. Credit Bureau Contact Information
^ Back to top Free Credit Report MonitoringCan I get free credit report monitoring? Some companies offer free credit report monitoring on a trial basis for customers. The hope is that you will find this to be very useful and then continue the service after they start charging you a monthly fee. If you have never tried credit monitoring, it is a good way to see what it can do for you. It makes watching for fraud a much easier process and can also allow you to be on top of your credit situation at all times. If you do sign up for a free trial offered by a credit monitoring service, be sure to know the terms and conditions of the offer. You will usually need to cancel your free trial within a specified window of time in order to avoid being automatically enrolled for a monthly fee. ^ Back to top Annual Credit ReportCan I get a free credit report? Once each year, you can request a free copy of your credit report. This is a guaranteed right under the Fair Credit Reporting Act. This act states that each consumer has the right to be able to view the information that is provided on his or her credit report. Free credit reports are available online at AnnualCreditReport.com. This free yearly credit report is an excellent way for you to monitor your credit report for errors or fraud. It is also a great way for you to keep track of your overall credit picture to determine if you need to make any improvements. Keep in mind, though, that these free credit reports do not include free credit scores. In addition, if you apply for credit and are denied, the creditor must provide you with the reasons and the name of the credit bureau that supplied the information that they used in making the credit granting decision. You then also have the right to request a free copy of your credit report. ^ Back to top
Should you transfer an existing balance from one card to another? Use this calculator to help determine the best distribution of your credit card debt. Enter your credit card balances, rates and credit limits to find out. · Calculate which balance transfers will produce the greatest savings
 Resources: Credit Card Recommender | Free Credit Report & Score | Protect Your Identity
^ Back to top |
|
|
||||||||||||||||||||||||||||||||
 |
|
 |
|
|
|
|
|
Home | Banking | Cell Phones | Credit Cards | Insurance | Internet Access | Loans | Long Distance | More About | Articles | Blog | Bookmark | Contact | FAQ | Glossary | Knowledge | Search | Site map | Tell a friend |
|
|
|
|
 |
|
 |
|
||
|
|