Everyone is entitled to receive one free credit report  from each of the three major credit bureaus (Experian, Equifax, TransUnion) annually. This is according to the Fair Credit Reporting Act (FCRA), a provision by the federal government to give consumers the opportunity to check their personal credit for free.

At the start of 2012, it’s good to request for your free annual credit report to make sure that all the details in your file are accurate.  You should be aware that the FCRA gives you the right to dispute errors in your credit report.  Errors can be an incorrect detail in your personal information, unauthorized charges or incorrect charges in your accounts, or outdated remarks such as a record of charge off, foreclosure or bankruptcy that is older than seven years.
Continue reading…

All consumers are entitled to one free credit report once each year as stated in the Fair Credit Reporting Act.  In this article, we present three ways for you to get your credit report for free.

Continue reading…

Are you in need of a bad credit home loan?  Then you’ll be glad to know that there are lending companies that do offer mortgage loans even for customers with bad credit.  Nevertheless, some of these lenders may require a bigger down payment to make up for the risk.

But what if you have no money and you can’t afford a down payment?  Is it still possible for you to get a home loan when you have bad credit?  There are actually two steps that you can do to improve your chances of approval- the first step is to improve your credit history and the second one is to get a co-signer.  Let’s discuss each of these options one by one:
Continue reading…

US dollar became weak in Asian session on Thursday after rebounded narrowly on Wednesday. US dollar index fell to 74.3 in early European forex market. If the non-agricultural data of America which will be released on Friday is much better than forecast, US dollar will be rescued. It is forecasted that the non-agricultural employment will decreased 130,000, which is not very pessimistic. So it is easy for the actual number to surpass the forecast number. And it is forecasted that the unemployment rate will be 10.2%.

Love your site. Is there anything I can do to help YOU? I have been telling my friends to visit your site. Thanks to you, the information was unavailable. Now I am getting action. I can. Just let me know. Blessings and good wishes to all of you!! You are doing a tremendous service!
Sara