Improve Your Credit Score, No Matter What Your Situation!

By Linda Seamore

Almost everyone can get their hands on some consumer credit; which is one of the main reasons people are falling more and more into debt. Accumulating thousands of dollars in debt is so easy, and has become all too commonplace.

Due to the fact that consumer debt is at an all-time high, more and more people want to be informed of helpful and trusted tips to rebuild credit history. Most of the time, when people hear the word "budget," they think of having to starve themselves and an almost non-existent social life. Lucky for you, having an effective plan for managing your debt and of course maintaining healthy personal credit and credit scores, by using certain types of credit cards, will definitely assist with meeting your financial goals.

These cards are useful, and are sometimes the only solution for some people, because they may have been denied bank accounts or regular credit cards. Because most families these days have both husband and wife working, in order to have two incomes, that leaves very little time to setup any budgets or search for tips on how to get a better credit score.

Your journey to financial freedom starts with YOU taking the first step. Let us begin first, by evaluating the positives and negatives of both the secured and the pre-paid credit cards.

1. Secured Credit Cards

Positives- Getting a secure credit card account is highly affordable and easy way to start you on the path to building your credit. Secured credit cards assist in improving and rebuilding bad credit. This type of card acts just like a regular credit card.

Disadvantages- One of the major issues with this type of cards, is that in order to "secure" the card, you have to deposit anywhere from $200 to $300 when you apply. This can be a pretty hefty requirement. They also have much higher interest rates (15% and up), additional fees like annual fees that may cost about $50. This card, despite its minor setbacks, is a great option for those who want to rebuild their credit.

b.) Pre-Paid Credit Cards

Positives- The Pre-Paid credit cards come in great handy, because they allow you to be more free and flexible with YOUR money! This type of card looks exactly like a traditional credit card, and is used the same way. However, instead of the credit card company giving you a limit based on your financial position, these accounts have you "load" the card with your very own money (like a debit card). No worries, most people get approved for this type of card, despite any past credit problems.

Cons - If you are looking to rebuild or establish your credit however, beware. These cards may not report your repayment history to the credit bureaus. If the creditor does not report your account, this type of account will not help you improve your credit. By carefully selecting these cards, you can assure yourself that you receive the most bangs for your proverbial buck.

Please remember that Pre-Paid cards cannot be used in every situation. Hotel and car rental agencies, for example, may not let you use the pre-paid card to book a room or secure your rental. Just be sure to call in advance and ask about the company policy before you begin your booking.

Identity Theft Prevention and Identity Theft Protection are crucial. Stop Identity Theft with LifeLock. Life Lock can guarantee identity theft never happens to you. To learn more about how to protect yourself from identity thieves, visit - 32534

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The Easy Way to Steer Clear of Online Free Credit Report Scams

By William Wilkie

The Fair Credit Reporting Act (FCRA) is a fairly up to date law that was approved by the government that allows every person to get a free credit report once a year. This law came about due to the worrying increase in I. D. theft. Your free credit reports are typically available by ordering them online, through a toll free number, or by mail and you can request your credit reports from all three of the credit reporting companies - Equifax, Experian, and TransUnion.

The Single Official Website for Ordering Your credit Report

You shouldn't have to worry about free credit report cons as the three credit reporting agencies have set-up an official web site,, where you can order your free credit report once each year. They also have a toll free number, 1-877-322-8228, and a mail address, 1-877-322-8228. You can print out the form from the FTC's web site at / credit.

Free Credit Report Scams

With this up to date law and the simplicity at which you can safely order your credit reports, there should be no free credit report tricks. Unfortunately, most of the people don't know about their rights and so they look on the internet for free credit reports. The ID thieves and tricksters have taken advantage of ignorant folks by building their own credit report internet sites to scam you.

These free credit report trick web sites normally charge you a little fee to get your credit reports when in fact they are in fact free. There are other fake credit report websites that will offer you free credit reports but they may ask you for private information like your SSID number or your credit card information.

Some of these scam sites will use this information to rob your identity and leave you with debts and other legal issues. Others, while not really illegal, will trick you into a free trial and then charge your credit card for a once per month charge after the free trial has finished. Please don't fall for these trick sites; use the official contact data above.

What to Keep an Eye Open For so You Don't Get Conned

Some of the con sites will try and trick you by trying a corresponding name to the official free credit report site; put simply they may register a site name terribly close to the official site. They do this in the hope that someone will make a typo while typing in the domain. Other trick sites will use the name "free credit scores", "free credit reports", or "free credit monitoring" in their domain names - they're possibly scams.

Other tricks involve the employment of e-mail or telephone. The tricksters will say that they are from either the site or from one of the 3 credit reporting companies. They are going to ask you for private info or they will direct you thru a link in the email to a bogus credit report site. Do not give out any personal information over the telephone unless you were the one who instituted the call, and don't click on any links in email from these type of free credit report offers. Also, be conscious of pop ups, when browsing the web, that offer you free credit reports.

Request Your Free Credit Reports

Do not forget to always request your credit reports by employing the official contact information above. The internet is a fabulous source of information but it is also home to some good for nothing con artists looking to make a fast buck. One reason to request your credit reports each year is to keep an eye peeled for any unusual activity that might mean you are a victim of ID theft. One more reason is to test your reports for any information that's wrong that would affect your credit history - you can and should try and increase your credit score. - 32534

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