Credit Card Plans Services

Credit Card Plans and Services

How do you find the best mortgage, loan and credit card offers ? As we all know, our economy is based on credit. Most people finance their homes with mortgages and pay for their cars with loans. Students often obtain loans to pay for college. And, of course, countless people routinely make purchases with credit cards.

We can't expect to receive credit as a matter of course, however. We must apply for it.

A Credit Report is a record of your credit activities. It lists any credit-card accounts or loans you may have, the balances, and how regularly you make your payments. It also shows if any action has been taken against you because of unpaid bills.

I would personally advise you that check the credit report once a year. It's a credit healthy thing to do—and now it's free. Creditors determine whether to give you credit or a loan—and how much you will pay—based on information in your credit history. The national credit bureaus (now called consumer reporting companies) collect information from your creditors about how many credit cards and loans you have and how many accounts are late, overdue, or in collection. They sell information in your file to creditors who determine if you'll get a loan and how much interest you'll pay on a credit card. Moreover, this information about how much credit you have and how you pay your bills can even be used to decide if you get a job, new cell phone service, an apartment lease, or car insurance.

Even if you think your credit history is good, you still should get a copy of your report. You might find anything from old accounts to errors to outright identity theft. You shouldn’t be the last to know what’s in your file. That’s especially true now that you can get free copies of your credit reports from the three major consumer reporting companies (Equifax, Experian, and TransUnion).

Important advice:

Here are some important advices from our three Credit Bureaus you should always keep in mind whenever you are talking about Credit Reports:

Order Credit Report from the official source.

Don’t open emails or click on pop-ups that offer a free credit report. This could be a scam to steal your personal information.

Never give a credit card number for a “free” credit report.

You don’t have to purchase anything to get a “free” credit report. Many supposedly free credit reports will cost you money.

Don’t contact the consumer reporting companies directly to get this free annual report opportunity.

If you find something wrong in your file, you need to tell the consumer reporting company what information is inaccurate. It is best to do this in writing. myFico recommends you use certified mail so you can prove you sent the dispute. If you have documents that support your claim, send copies—not the originals. The company has to investigate your claim and report back to you. You will also get another free credit report if your claim changes your file. You should also write to the creditor that provided the information to the consumer reporting company that you are disputing information it gave.

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