How To

How To Check Your Credit Report

Do you need to Check your Credit Report? You can check your Credit Report Off Line, however, that takes about 3 weeks, and you must mail your request. If you want to check your Online Credit Report, you can do it fast, and it is FREE!

Get a free Online Credit Report, Credit Score and Debt Analysis.

Online Credit Report Check:

To Check your Credit Report Online, it is as simple as filling out one of the application forms Online, and then Check your results. When you Check your Credit Report, you will have a number of factors to consider. Do you know what you should check for?

When you Check your Credit Report, the first thing you are looking for is a number called your FICO score. The FICO score number is the first (and generally the most important) thing that your creditors will check. The FICO score is a number from 200 to 850. The higher this FICO number the better. Under 620 is bad, above 720 is excellent, anything in between is average.

Then next thing you should check for on your Credit Report is for any innacuracies that could affect your credit rating. Inaccuracies can be anything from incorrect addresses to credit history that is not yours. Check over each line on your Credit Report carefully, sometimes the errors are small, but the effect can be large. You will notice that your history on your Credit Report will be long – or at least it will be if you have had a credit history for some time. If you have only recently had loans such that they appear on your credit report, then the history will be short. Having a long credit history is a check mark in your favour, having a short history can be detrimental.

Leave a comment here with your need for the report, don’t forget to mention your contact details here.

Remember, Checking your Online Credit Report is free, and you get your results instantly.


Student Loan Consolidation

With current economic woes and jobs hard to comeby, todays students have an interesting advantage. Currently the interest rate on student loans is at an all time low. If you are a new college draduate, the interest rate for federal student loans can be enve lower if your consolidate before your six month grace period ends.

Consolidate Your Student Loan

Why should you consolidate your student loan?

• Consolidation of your Student Loan means lower monthly payments.
• You gain money saving payment incentives
• Fixed interest rates
• A single payment each month
• New or Renewed Deferments
Consolidate Your Student Loan

Facts about Student Loan Consolidation:

With a Consolidation Student Loan, your lender pays off the balances of all the student loans you choose to consolidate, and then you are issued a new (single) loan. There is a disadvantage to consolidating your student loan during the six month grace period – your payments on the consolidation loan will begin immediately. Whenever you consolidate you are likely to land a rate that people who locked in previously would kill for.


Emergency Cash loan

An Emergency Cash Loan is the fastest and easiest way to borrow money online. With an Emergency Cash Loan your funds are deposited straight into your checking account. Get the cash you need now for emergencies, bills, car repairs, vacations and more! This loan can be from as little to $100 to as much as $2500.

By requesting your Emergency Cash Loan online through a secure and safe encrypted internet session, you can get fast access to cash, and no one other than yourself will be aware of the access! This Emergrency Cash Loan takes about an hour to get approved, and no credit check is required!

Get an Emergency Cash Loan

Facts about Emergency Cash Loans:

Emergency Cash Loans are the fastest way to get cash in a crisis. Due to the way the internet works, the approval process runs 24 hours a day, 7 days a week, 365 days a year. These cash loans a re a good way to get a quick shot of cash until your next paycheque arrives. Keep in mind though, while they are useful, Emergency Cash Loans should not be relied upon on a regular basis. If you find yourself consistently using Emergency Cash Loans, we would reccomend you check into an Unsecured Personal Loan, or Debt Consolidation to better manage your finances. Both of these are much better long term options, but they take longer to process than an Emergency Cash Loan.

How To, Loans

Car and Auto Loans

Guide for Easy and Free Car and Auto Loans:

Buying a new car is always exciting. There are currently so may options and decisions to make that the choices of a car can be staggering. However, in order to make the process as painless as possible, you should start considering checking into an auto loan prior to acutally looking for the car.

Apply for a Car Loan Online Now, it is free to apply.

Why? The reasoning is simple, if you apply for your car loan prior to shopping you will already have created a price range to shop within, and you are less likely to be roped into a bad rate by a sales person – you already have a rate and a loan before you walk onto the lot!

By obtaining your car loan online you often save a bundle than going with the rate off of the lot. However, there are a few general requirements. You will have to buy from a dealer, or if you are buying the car in a private sale you will need a good credit rating. (Check your credit for free).

The size of the car loan you are applying for will determine your chances of qualifying (applying is free, and there is no obligation). If you are looking at a car that is under $7,000 you are probably better of with a different kind of loan, such as an Unsecured Personal Loan.

By applying for your car loan online you will save yourself a considerable amount to time. You can make the process of speeding up your car loan even faster by collecting the following information (which will appear on the car loan forms).


Home Equity Loan

Home Equity Loans are becoming increasingly popular due to low interest rates and the ability to borrow sizable amounts of money. A Home Equity Loan is based on your the Equity you have in your house, that is, the difference between your homes appraised market value and the amount left on your mortgage. Since a Home Equity Loan is a secured loan, you generally get excellent rates. There is also an added bonus to a Home Equity Loan – Tax Deductions.

Tax Laws changed in 1986, and most deductions that were available at that time were removed. However, they still exist for a Home Equity Loan. Imagine you bought your house for $100,000 and you put 15% down. This means that you would have a mortgage of $85,000 and $15,000 worth of equity in your home. As you make mortgage payments, your equity in your home rises.

How a Home Equity Loan Works:

Now, lets imagine you have paid $10,000 on your property, which was worth $100,000 when you bought it. The property is now evaluated at $120,000. The starting equity ($15,000) plus the amount you have paid on principal ($10,000) plus the increase in the value of your home ($20,000) gives you $45,000 in equity.

Apply Online for a Home Equity Loan.

Home Equity Loans usually carry a higher rate than your first mortgage, however, if you compare the rate on a Home Equity Loan with your credit card or other loan types, you will find that the rate is quite low. Also, there is the added benifit that you get a tax deduction on the loan. All this combined makes a Home Equity Loan quite an attractive method of borrowing.

What does worry some people who are seeking a Home Equity Loan is that if you default on the loan the lender could foreclose on your home. However, this is actually rare. Most of the people who borrow with a Home Equity Loan are between 35 and 49 years of age, and make over $80,000 per year in household income. Borrowers who choose a Home Equity Loan are usually quite good at repaying their loans.

How To, Mortgage

Online Mortgage

Applying for a Mortgage has never been faster. Now you can apply online for your mortgage. In an online environment, Mortgage Brokers are fighting to give you the best rates. Here at Credit-Free-Report we have already lined up the best mortgage rates for you, check them out:

Apply for your mortgage online now.

Why apply for a Mortgage Online?

When you apply for a mortgage online you get a fast answer. Furthermore, it is a great way to mortgage shop. In the non-internet, applying for a mortgage takes a considerable amount of time, and you want to keep that to a minimum while shopping for a mortgage loan. You dont have to spend time talking on the phone, or waiting for an appointment with a broker. Furthermore, the online mortgage process does not cost you anything, and, since you save a great deal of time in applying for a mortgage in this manner, why not apply online?

The irony about online mortgages though, is that only 12 percent of people currently use them. Most people prefer to use the face to face approach when applying for a mortgage. Yet, because of lowered costs and streamlining, you can actually get a better mortgage rate by applying online!

Credit Score

Know Your Credit Score – Simple Tutorial

Credit Score

What is a credit score?

A credit score is a credit report metric that reflects your level of credit risk, the higher your credit score number is the lower you are as a credit risk. Your credit score is generated through statistical models using elements from your credit report; however, your credit score is not physically stored as part of your credit history on the credit file. Rather, it is typically generated at the time a lender requests your credit report, and is then included with the report viewed by the creditors. Your credit score is a fluid number, and it changes as the elements in your credit report change. For example, payment updates or a new account could cause your credit score to fluctuate. There are many different credit scores used in the financial service industry. Your score may be different from lender to lender (or from car loan to mortgage loan), depending on the type of credit scoring model that was used.

Debt, Loans

Debt Help

If you know that you need help with your debt, but are afraid to ask anyone about it, you are not alone. When people begin to run into bad debt, they rarely seek help as they feel embarresed or afraid of telling anyone about their debt load. However, getting help with your debt is critical – especially if you know you are in, or beginning to run into trouble. In fact, most people just watch their debt accumulate, they just wish it would go away. However, getting help with debt is not hard, and all you need to do is ask.

As you are reading this, you are already much better off in dealing with debt than 90% of the population. You have just taken the beginning steps to educate yourself about debt. The first thing to be aware of is that your debt may be causing problems with your credit report . If this is the case, you may be tempted to consult a company that specializes in “credit repair”. Do not invest a cent in this, “credit repair” does not really exist – it is a scam. You cannot “repair” your credit, and after paying one of these companies your hard earned money, you will still have a bad credit score, and debt.

Now, getting help with your debt is a different story. There are two paths you can follow. You can learn more about debt, and help yourself, or, you can consult a debt consultant who will help you to deal with your debt.

Debt Help by yourself:

Some people choose to help themselves when it comes to debt. The first step to debt help on your own is to know your credit rating. This is crucial, you need to understant what your rating is, and how to read it. Then, you need to take a good hard look at your debt load – all your bills, credit cards, loans, and anything else that is consuming your money. You need to write each of these things down, how much you are paying, and how much interest you are paying on each. Your next step in the war on debt is to write down each purchase you make over the course of the month, each and every little one. Anything from coffee in the mornings with spare change to groceries. To manage your debt, you need to know exactly where your money is going.

As you are doing this, look at your list of bills and credit debts – and list them in order by interest rate. Put your highest interest debts at the top – and your lowest interest rate debts at the bottom. Remember to add extra weight to important bills however, as this will help to keep your credit rating in good order. Decide how much extra money you can put into your debts every month (this is why you track your purchases for a month) and pay down your highest interest rated debt first. On the rest of your debts, make the minimum payments required.

While you are doing this, you must resist the temptation to aquire any new debt. The act of tracking your purchases for a month helps immensely – although it is both frighting and annoying at first. You will find in the act of tracking your purchases for a month that you likely have more money to attack your debt with than you thought.

You may also consider a debt consolidation loan, which allows you to bring all your debts together in a single payment – this payment often has a lower interest rate than the rest of the debts that you have. However, if you take this route to debt be careful not to get any new debts, consolidation will not help you if you end up creating more debt for yourself overall. If however, the self help approach to debt seems frightening or difficult, it is time to seek professional help.

Free Debt Consultation.

Debt Help from Professionals:

The advantage of debt help from a professional is that they do most of the work for you. They are versed in all the aspects of debt reduction and consolidation, as well as the proper path to help maintain your credit rating. With a debt consultant on your side, you have expert advice every step of the way. Your first few appointments with a debt help consultant should involve you talking quite a bit. Your debt consultant will need to know a good deal of facts about your credit and debt load to be able to help you.


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