Why Good Credit is So Important
Your credit score can have a major bearing on your financial and emotional wellbeing.
Bad credit can prevent you from getting a loan, getting a credit card, getting a job or
buying a car, house or just about anything else!
Resources
THREE MAJOR CREDIT BUREAUS

Equifax.com
Experian.com
TransUnion.com


CONSUMER CREDIT PROTECTION LAWS

Fair Credit Reporting Act (FCRA)
is intended to ensure the accuracy and fairness of the credit reporting system.

The Equal Credit Opportunity Act (ECOA)
prohibits discrimination in credit transactions for a variety of factors (including race, color, sex and religion), also makes it illegal to discriminate against you because you have exercised your rights under the FCRA.

The Fair Credit Billing Act
which establishes procedures for correcting errors on credit cards and similar accounts.

The Fair Debt Collection Practices Act (FDCPA)
which establishes procedures for correcting errors on credit cards and similar accounts.


CALCULATORS FOR ANY OCCASION

You can find over 12 different calculators ranging from calculating a mortgage, how much can I afford, to tax benefits calculators, income calculators and much more. Click on our Tools page on the very upper corner of any page on the website to access them for FREE.



CREDIT TO GET YOU ON THE RIGHT TRACK

Credit Report - 30 day trial Your free credit report offer includes: Unlimited access to your credit report and credit score plus Unlimited credit monitoring

IDENTITY THEFT protection Unlimited credit reports from Equifax, Experian & TransUnion, Unlimited credit scores from all three credit bureaus, Unlimited three bureau credit monitoring, Toll-free access to specialists plus $25,000 Identity Theft Insurance at no additional cost .

SECURED CREDIT CARDS

New Millennium Gold Visa/MC NO credit check, Approved regardless of CREDIT HISTORY. Credit Limits up to $10,000. Report to all 3 Bureaus. Get cash at over 740,000 ATMs. AUTO rental insurance and more...

New Millennium Bank Secured Platinum Visa NO credit check, Approved regardless of CREDIT HISTORY. Credit Limits up to $10,000. Report to all 3 Bureaus. Get cash at over 740,000 ATMs. AUTO rental insurance and more...

Orchard Bank Secured MasterCard Reports to all three credit bureaus, Earns interest on your security deposit, Your choice of payment due dates and more...

PROBLEM Credit CREDIT CARDS

Purpose Money Card: Real Credit for Real people Less than perfect Credit OK. Quick application and decision in seconds. Reports to the major credit bureaus and more...

Click to compare over 20+ cards for PROBLEM credit by rates, offers, fees etc.. NO credit check, Approved regardless of CREDIT HISTORY. Credit Limits up to $10,000. Report to all 3 Bureaus. Get cash at over 740,000 ATMs. AUTO rental insurance and more...

Compare over 40+ CREDIT CARDS

Click to compare over 40+ top cards by rates, offers, fees etc.. Browse our most popular credit cards and easily apply for the credit card offer that is right you. You can sort them by different criteria...

Auto Loans

Get a free loan quote. Quick, simple and secure. Qualify for an auto loan online in minutes, even if you have credit problems. No obligation! Options for borrowers with good credit, bad credit or no credit. You can qualify even with repossession, foreclosure or bankruptcy records. Great low rates for borrowers with good credit. You can also refinance an existing car loan .

Personal Loans

Personal Loans from $100 to $15,000. Loan options with or without credit checks. We have programs for good credit, bad credit, homeowners and military personnel. Funds deposited overnight .

Student Loans Consolidation

Consolidate all of your student loans. Consolidate your student loans into one new loan with a low fixed rate and a reduced monthly payment.


eNEWSLETTERS

The HOME & MONEY newsletter contains materials of general interests like: Cooking recipes, trivia challenges with a dinner & movie to the winner, internet/pc tips, health related tips, street smarts, quote of the day, did you know section, special offers and book reviews. This Newsletter is issued quarterly (4 times a year). If you have signed up for the FREE eBook on the Home Page you will receive it automatically each quarter.

The PRACTICAL FINANCIAL TIPS newsletter offers a variety of tips from tax tips to establishing a college fund for your children, and ways to do it to avoid taxation, just to name a few. In addition look for a brief analysis of financial markets, based on reviews of various periodicals. This Newsletter is issued quarterly (4 times a year). If you have signed up for the eBook you will receive it automatically each quarter.


MORE EDUCATIONAL WEBSITES

Learn the Ins and Outs of financing your home
www.HomeFinancing101.com

Learn the loan process
www.LoanProcess101.com

Learn more about credit and credit scores
www.LearnCredit101.com

How to pick the best Realtor, Broker, Agent etc.
www.PickTheBest101.com

What is the best loan for you? Educate yourself
www.BestLoan101.com

Save 7 years + thousands on your mortgage
www.Build-Home-Equity.com



 

 


Yes! Under the FCRA the consumer has the legal right to demand an investigation into the accuracy of any information in a credit report


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