BBB reminds Consumers of their Free Annual Credit Report
News from Tucson Citizen:

Start the new year knowing your credit is in good standing and your credit report is accurate. Under the Fair Credit Reporting Act, consumers can receive a free copy of their credit report from each of the three nationwide reporting agencies — Experian, Equifax and TransUnion — every 12 months.

“Pulling your credit report annually is a smart way for consumers to understand their financial health, as well as avoid financial and identity fraud,” said Kim States, BBB President.

Many television advertisements and websites claim to offer “free credit reports,” “free credit scores” or “free credit monitoring.” However, Better Business Bureau of Southern Arizona reminds consumers that AnnualCreditReport.com is the only authorized source for free annual credit reports under federal law.

Additionally, BBB reminds consumers that a credit report is different than a credit score. A credit report is a snapshot of your credit use history which gives a lender a view of whether you pay your debts back or not. Your credit score is a number which shows lenders how much of a risk you are in paying back a debt.

BBB offers these tips for pulling your annual credit report:

Do not access the Annual Credit Report…………… continues on Tucson Citizen

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Related News:

COLUMN: The troubling fine print of Suze Orman’s prepaid card
News from Reuters:

Personal finance expert Suze Orman poses at the OWN: Oprah Winfrey Network launch cocktail reception for the Television Critics Association Winter press tour in Pasadena, California January 6, 2011.

Credit: Reuters/Fred Prouser

Tue Jan 17, 2012 10:56am EST

(Reuters) – Can those celebrity-linked prepaid cards really help the unbanked?

Lately there have been a spate of them, from Kim Kardashian’s to Lil Wayne’s. When it comes to that newest one, the Approved Prepaid MasterCard issued by the Bancorp Bank and endorsed by personal finance personality Suze Orman, who is also an investor in the product, less is not necessarily more. There are better alternatives.

First, a disclosure. I knew Orman well before she became brand-name famous (we’re both from Chicago) and she even wrote a blurb for my book, “Late-Start Investor,”…………… continues on Reuters

… Read the full article


Your Credit Score: How to Improve the 3-Digit Number That Shapes Your Financial Future (4th Edition) (Liz Pulliam Weston)

This is the eBook version of the printed book. Today, a good credit score is essential for getting decent terms on credit–or for getting credit at all. But that’s just the beginning: You’re now being judged on your credit score by everyone from employers to cellphone carriers. Now, MSNBC/L.A. Times journalist Liz Weston has thoroughly updated her best-selling guide to credit scores, with crucial new information for protecting (or rebuilding) yours. Your Credit Score, Fourth Edition thoroughly c

List Price: $ 19.99

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