Credit Report

Did you know that by law, you can get a FREE copy of your credit report every year? This will allow you to see any activity on your account and give you the opportunity to challenge anything that is inaccurate. Visit www.annualcreditreport.com. It only takes a few minutes and it makes it easier to sleep at night.

Remember, if you do get in over your head there are some really helpful links on the internet. With the new bankruptcy laws there is a lot of confusion about the best way to handle debt. You can get some really great advice and some tips to keep the collection agents away online.

If you’ve got bad debt, slow payments or perfect credit, there is a wealth of useful information available all over the internet.

Also remember Identity theft is very real so please keep an eye on your credit score. There are many misconceptions about credit scores. There are people who believe they don’t have a credit score and many customers who think that their credit scores just don’t matter. Nothing could be further from the truth. Your score could stop you from qualifying for the best insurance policies, and hurt even your chances of getting some apartments. Protect it!

Watch out for the scam artists who want to charge you $10 - $30 dollars for your "credit score" or $10 a month to monitor your account and alert you to any activity. These are shams and a waste of money