Have You Checked Your Credit Report Lately???

Have you checked your credit report lately? If you haven't checked it yet, you should definitely look to do so. Not checking your credit report can be detrimental. Make sure you take the time to find out what is on your credit report and find out your credit score. You do not want to wait until it's time for you to make a big purchase to find out your credit is not what you thought it was.

www.annualcreditreport.com is a great website to view your credit report for free from each of the three major bureaus (Experian, Equifax, Transunion), once a year( every 12 months).

There are other situations where you can get a free credit report.

1. You are a victim of identity.
If you believe you may be a victim of identity theft, you can obtain one free credit report from each of the three major bureaus.

2. You are looking for a job. If you are unemployed and plan to search for a job within 60 days.

3. You have put a fraud alert in your credit report.
When you file a fraud alert, you are entitled to one free credit report from each of the credit report agency. An extended alert entitles you to two free reports from each bureau with-in a 12 month period.

4.You are on the receiving end of an adverse/negative action. This includes being denied loans, employment, insurance or other benefits because of your credit. You are entitled to see a copy of your credit report.

Hopefully, I have convinced you to check your credit report :)
Check out these websites for additional information:

http://www.annualcreditreport.com 
http://www.ftc.gov/bcp/edu.microsites/freereports/index.shtml 

Simple moves to help you manage your money more efficiently.

Hey, I know tax refunds have started to come in for any and you want to take a vacation, "make it rain" in the club" or buy a new car. There is nothing wrong with any of the those things ( as I want to do those things to lol), however, are you taking steps to protect and save money for your future. With the economic climate the way it is these days, its always room to manage your money better.

Here a couple of tips that can help you manage money more efficiently.

1. Use a pay raise, or some or your tax return refund to boost your emergency fund, pay down debt, invest in retirement fund or save for child(ren)'s college education.
2. Purchase stock or funds that take advantage of the resurgence of the auto industry.
3. Pay for items in cash to help curb any impulsive sending. Therefore you only spend what you have in cash and don't have to worry about paying on a credit cards with interest later down the line or by ore than you can afford.
4. Regularly check you billing documents and credit reports. Make sure info is accurate and if you find
   

   Inconsistencies , report them immediately.
5. Use a small mortgage banker when applying for a mortgage instead of a mortgage broker to get a better deal on home loans.
6. Always negotiate to get the best deal when it comes to large pruchases like a house, car or a major
   

   Appliances.

You can find more tips at: http://www.blackenterprise.com/2011/02/09/10-power-moves-to-help-you-better-manage-your-money/