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Easy Credit Solutions is offering a free credit repair manual to American consumers. Our mission is to educate people so they can learn how to fix their own credit. No one is going to care about your credit anymore than yourself.
Duration : 0:6:51
Jean Chatzky is correct, you cannot get your FICO score–the score that is used by lenders–for free.
However, if you want an approximation of that score, there are a few companies that will provide them for free.
But keep in mind, that each free attempt will in fact add an inquiry to your report which has been known to lower your score. See credit score myths below.
And all [except MY FICO] are the credit scores developed by the credit bureaus themselves, Experian, TransUnion, and Equifax, and are not your actual FICO scores.
Only the FICO score from myfico.com is used by lenders to determine your credit worthiness.
CreditKarma.com:
Gives you your TransUnion score. But it is Advertising-supported.
E-Loan:
Experian score. If you visit their website, be sure to scroll down to “One-Time Credit Snapshots” and “Free Credit Score (Credit Score Only)”
Prosper:
Experian score.
Feel free to ask any credit related questions in the comments section of this video. I’ll be happy to answer them if I can.
ALSO, PLEASE FREEZE YOUR CREDIT REPORTS!!!!!!
and please go to www.optoutprescreen.com to opt out of all offers of credit and insurance for 5 years. Don’t bother with the permanent opt-out.
Credit score myths:
Myth: You have only one credit score.
You actually have three scores, one from each of the three bureaus (Experian, TransUnion, and Equifax). They use the same “equation” from Fair Isaac Corporation but they each collect their own data, they each have their own slightly different weightings on the score components, and they each make their own share of mistakes. This is why it’s important for you to review each of your credit histories each year using government sponsored AnnualCreditReport.com. Some lenders pull your score from all three and use the middle value, some only pull from one. In the end, you need to ensure your information is 100% accurate.
Myth: Checking your score will hurt it.
There are two types of inquiries – soft inquiries and hard inquiries. A hard inquiry is when a financial institution uses your credit history to determine whether or not to extend you credit. A hard inquiry will appear on your report and negatively impact your score (this is why experts recommend you avoid applying for credit cards right before a mortgage application). A soft inquiry is when an institution uses your credit history to confirm your identity or when you personally review your credit history. Since it’s not used for a lending decision, it doesn’t negatively impact your score. Checking your history or score will not hurt your credit.
Myth: Shopping around for the best loan will hurt your credit score
Shopping around for the best loan will result in a lot of hard inquiries on your credit report but this is a special case. For mortgages, home equity, and car loans, a flurry of hard inquiries won’t hurt your score if they are within a 14 or 30 day window. Credit bureaus understand you will be making numerous inquiries to get the best deal. This rule does not apply to credit card application inquiries, each one of those will hurt your score regardless of how quickly you do them.
Myth: My FICO score dictates whether you get credit and at what interest rate.
Truth: The FICO score is a very important part of determining whether you get credit and at what interest rate but it’s not the only thing lenders use. When you apply for a loan, lenders will ask you for your bank account statements, your paystubs, and your outstanding debts in addition to pulling your credit. Lenders want to know whether you will be able to repay the debt and they cannot rely just on the score alone. If you have a lot of debt compared to your income and a high credit score, lenders could deny you credit. If you have little debt compared to your income and a low credit score, lenders could still extend you credit. Score is not the final arbiter, just a part of the equation.
Myth: Getting married will hurt (or help) your credit score.
After you are married, each spouse still has the same credit worthiness they had before they were married. Your scores won’t increase or decrease because you were married. The reason why people believe this myth is because when you start applying for loans, you’ll be applying for a joint loan where both spouses will be responsible. In this case, your aggregate score can go up or down. However, the act of getting married doesn’t change one’s credit worthiness.
Duration : 0:2:13
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Duration : 0:1:31
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Duration : 0:2:48
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Duration : 0:1:33
The Freecreditreport.com band finds out that even a cell phone is hard to get when you have bad credit.
LYRICS:
Wanted to get myself a new cell phone
So I could hear myself as a ringtone
Who knew the store would go
And check my credit score?
Now? all they let me have is this dinosaur!
Hello hello hello, can anybody hear me?
I know I know I know, I should have gone to
FreeCreditReport.coooom!
That’s where I shoulda gone,
Coulda got my knowledge on.
**Free credit score and report with enrollment in Triple Advantage.**
Duration : 0:0:31
Continue reading “Cell Phone” FreeCreditReport.com commercial…
Here ya go. Oh yeah, sorry about how the video flashes occasionally, I tried my best but I just couldn’t fix it. Deal with it.
Lyrics:
New Job/Pirate Restaurant Commercial:
They say a man should always dress
For the job he wants, so
Why’m I dressed up like a pirate
In this restaurant?
It’s all because some hacker
Stole my identity
Now I’m in here every evening
Serving chowder and iced tea
Shoulda gone to:
Free credit report dot com
Yee-haa!
I coulda seen this coming at me like an atom bomb
They monitor your credit and send you email alerts
So you don’t end up selling fish to tourists in T-shirts
Offer applies with enrollment in Triple Advantage.
Dream Girl:
Well I married my dream girl
I married my dream girl
But she didn’t tell me her credit was bad
So now instead of living in a pleasant suburb
We’re living in the basement at her mom and dad’s.
No we can’t get a loan
For a respectable home
Just because my girl defaulted on an old credit card
If we’d gone to free credit report dot com
I’d be a happy bachelor with a dog and a yard.
Offer applies with enrollment in Triple Advantage.
New Car:
Well I was shopping for a new car, which one’s me
A cool convertible or an SUV?
Too bad I didn’t know my credit was whack
‘Cause now I’m driving off the lot in a used sub-compact.
F-R-E-E, that spells free-
Credit report dot com, baby
Saw their ads on my TV
Thought about going but was too lazy
Now instead of looking fly and rollin’ phat
My legs are sticking to the vinyl and my posse’s getting
Laughed at
F-R-E-E, that spells free-
Credit report dot com, baby
Offer applies with enrollment in Triple Advantage.
Bicycles:
Check it out, gas prices blowing up sky high
Ditched my used subcompact for a two-wheeled ride
Now I’m rolling eco-friendly but I still look bad
When the bike store saw my credit they said this was all they had
F to the R to the E to the E to the
C to the R to the E D I T
RE to P O R T to the DOT to the COM
Come on everybody grab your bike and sing along, it’s easy
Offer applies with enrollment in Triple Advantage.
Rock Star:
When you’re a rock star
You get to party hard
Champagne and caviar
Tricked-out exotic cars
It’s just how I thought it’d be
‘cept the party’s not for me
‘Cause some punk opened a credit card with my ID
Free What? (free credit!) report dot com (I said it!)
That’s the site I’m gonna hit when I go home
They know how credit works
They send email alerts
Now I’m finding out how bad reality hurts
Offer applies with enrollment in Triple Advantage.
Renaissance Fair:
I was getting depressed ’cause of all the stress I was feeling at home
Had a poor credit score and the number would haunt me wherever I’d go
Thought I’d move to a place where my credit could stink and nobody would care
I just wish that somebody had told me that place was a Renaissance Fair!
Free Credit Report dot com!
Tell your friends, tell your dad, tell you mom!
Never mind, they’ve been singing our songs
Since we first showed up with our pirate hats on!
If you’re not into fake sword fights
Pointy slippers and green wool tights
Take a trip from a knight who knows
Free Credit Report dot com, let’s go!
Offer applies with enrollment in Triple Advantage.
Roller Coaster:
Buckle up everybody cause were taking a ride
It can strain your relationships and hurt your pride
It’s the credit roller coaster and as you can see it kinda bites so sing the lyrics with me:
When your debt goes up, your score goes down,
When you pay a little off it goes the other way around
It’s just the same for everybody every boy and girl,
The credit roller coaster makes you wanna hurl.
So throw your hands in the air, and wave ‘em around
Like a wannabe frat boy trying to get down
Then bring em right back to where your laptops at.
Log on to freecreditreport.com, stat
Free credit score and report with enrollment in Triple Advantage
Cell Phone:
Wanted to get myself a new cell phone
So I could hear myself as a ringtone
Who knew the store would go
And check my credit score?
Now all they let me have is this dinosaur!
Hello hello hello, can anybody hear me?
I know I know I know, I should have gone to
FreeCreditReport.coooom!
That’s where I shoulda gone,
Could have got my knowledge on.
Free credit score and report with enrollment in Triple Advantage.
Reno:
We were stuck in a basement apartment
Tiny rooms where the sun never blessed
So when we needed space for a family,
Set our sights on the wide, open, west.
Well I thought we’d see sierra vistas
And breathe air pure as new-fallen snow
But my poor credit score was a sinker (or stinker?),
Now we rent by the week in Reno.
Free credit score and report with enrollment in Triple Advantage.
Duration : 0:4:41
Improve your credit score by making payments on time and keeping cards at a balance less than half the credit limit. Learn how to improve your credit score from a credit counselor in this free personal finance video.
Expert: Maria Enomoto
Contact: www.gotdebt.org
Bio: Maria Enomoto is a credit counselor working for Consumer Credit Counseling Services in San Jose, Calif.
Filmmaker: Bing Hu
Duration : 0:2:16
Continue reading Credit Cards, Credit Score & Credit : How to Improve Your Credit Score…
http://bit.ly/37daystocleancredit
Want to fix your credit score quickly … without having to shell out $1500 – $2000 on expensive credit repair agencies? Keep reading, I’ll explain exactly how you can erase your negative credit
Here’s What You’ll Learn
* How to easily delete late 30, 60, 90, 120, and 150 day late-pays from your credit file almost overnight
* Four simple ways to never ever get stuck in the bad credit vortex again!
* How to easily setup an automated budgeting system to track expenses, income, and all of your payments and bills without lifting a finger!
* A super secret strategy to remove all of your harmful inquiries in days, not weeks or months!
* A neat little trick you can use to double your credit card limit with one phone call!
* A ninja technique to drive your score up an easy 75 points with one simple call!
* The little known secret to getting your credit card APR interest rates dropped to zero! (This secret statement will save you thousands upon thousands of dollars in interest payments!)
* Why being self-employed can actually work against you and how to avoid this simple mistake millions of people make.
* How to STOP those harassing collection phone calls dead in their tracks!
* How To Delete Medical Accounts Off Your Credit Report In 3-Easy Steps!
* Follow Along My No-Brainer Step-By-Step system To Automate The Disputing Process! This alone is worth the price of the course!
* How To Make More Money To Pay Live The Life You’ve Only Dreamed Of And Never Have To Worry About Debt Again!
* Learn The Secrets To Making An Extra $500 – $1,000 A Month In Extra Cold-Hard Cash Without Lifting A Finger And Learn How I Make Thousands Each And Every Month!
* Want to repair your credit quickly? No problem, just follow along and replicate my success and I guarantee it WILL work for you too!
* Learn My Strategic Process To Repair Bad Credit In Less Than 30 Days! It’s So EASY Even a 5th Grader Can Do It!
* How To Negotiate with Creditors To Pay Pennies On The Dollar And Have The Negative Marks Completely Removed From Your Report, Never To Appear Again!
* The exact step-by step formula I used to delete negative items, negotiate debts, and win with the credit game!
* The exact process to get your credit report for free! (Many people sign up for the free services only to be paying monthly fee’s. You get all of my resources.)
* The one no-brainer method to boosting your score 50 points even if you have the worst credit in the world! A 400 score? Blast it up with this simple method!
* How to stand out from the crowd to get your mortgage without fail! Follow this simple audio plan and you’re golden!
* Learn the 5 C’s of Credit And Never Worry about Being Denied Ever Again. Don’t Learn The 5 C’s And You’re Doomed For Failure!
* Thinking of refinancing? Learn the secrets to raising your score before refinancing your home and how not to make the mistakes millions make and end up getting owned.”
* Own property? How to avoid the latest credit crunch and come out unscathed.
* Foreclosure? How to stop your foreclosure, and how to negotiate with you bank to lower your payment 10% -20%.
* How to restore your credit report coming out of a bankruptcy.
* Student Loans? How to completely delete your student loans from your credit file for life and NEVER pay a cent!
* How to buy the car of your dreams regardless of past credit history and without paying an arm and a leg in interest!
And so much more
Take Action! & Click Here:
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Duration : 0:9:28
Continue reading Effective Step-By-Step Credit Repair System…
Go to www.e-Credit.TV for Free Credit Repair, Free Credit Books, Consumer Credit Counseling, Debt Consolidation and Identity Theft Protection. In this video the U.S. Treasury Dept. explains how to obtain free credit reports from all three of the credit bureaus. The video also explains how Fraud Alerts work and the activation process.
Duration : 0:2:11
Continue reading Free Credit Repair & Free Credit Reports at www.e-Credit.TV…
