Personal Finance and Investing

u can use your credit report you need to get yur report. Reports are available on request. Free credit reports requested by phone or mail will be processed within 15 days of receiving your request. Such reports were mandated by a federal law enacted in 2003. The program has all now been implemented.

AnnualCreditReport.com is reportedly the only official site where you can get a genuinely free copy of your credit report from all three reporting agencies. And if you/\’d rather order your free credit report by phone or by mail, you can do that too . AnnualCreditReport.com processes requests for free credit file disclosures (commonly called credit reports). I have been told that under the Fair and Accurate Credit Transactions Act (FACT Act) consumers can request and obtain a free credit report once every 12 months from each of the three nationwide consumer credit reporting companies.

Now once you have joined up for your credit report such as at AnnualCreditReport.com, there is an extra peril. This is that when you receive phishing spam pretending to be your report provider asking for personal information, you may think it is from your real provider asking for your details again from you for a Review” or a “verification”. The thing to remember here is that all the nationwide consumer reporting companies have pledged that they will not send you an email asking for your personal information.

If you get an email, see a pop-up ad, or get a phone call from someone claiming to be from your credit report provider – don/\’t trust them! Do not reply but delete the email, do not click on any link in the message.

Companies or individuals promising quick fixes are almost always fraudulent. The important thing to remember is that no one can have accurate information removed from the credit file. Companies still do get away with reading your report. Haven/\’t you ever received a pre-approved credit card?

Identity theft is also on the rise, now being the number one consumer complaint reported to the Federal Trade Commission. One of the first places identity theft shows up is often on your credit report.

Identity theft may show up as suspicious credit inquiries, changes of address, accounts in default, or new fraudulent accounts in your name.

Monitoring your credit report is your first line of defense in protecting your identity. I like to use the Stop Junk Mail service because I can stop all the credit card offers and other junk mail. Monitor your credit report to catch ID fraud early.

Information here should not be construed as advice and it is offered without legal responsibility or liability. It must be emphasised that you should consult a professionally qualified individual or company (such as an accountant, financial adviser or solicitor for example) should you need advice on your financial situation, as they will be able to relate their advice to your personal needs accordingly.

The article above just touches the surface of the subject of Free Credit Reports, so visit us for more free information. Or, for something completely different visit our Dog Breeds web site.

Are you in the market for life insurance? Want to know how to save money on your policy? Here are the 7 best ways to save money on your life insurance policy.

1. Shop For Rate Quotes

The best way to get the best deal on anything is to comparison shop, and that’s especially true for life insurance. Premiums can vary by hundreds of dollars from one company to the next, so it pays to invest a little time comparing rates from different companies. The quickest way to compare rates is to visit an insurance comparison website where you can get multiple rate quotes all on one site. (see link below).

2. Get a Term Life Policy

Term life insurance is the way to go if you want the most coverage for the least amount of money. With term life you’re paying for insurance only, not an added investment vehicle as you are with whole life or universal life.

3. Get Healthy

If you’re a smoker, quit. If you’re overweight, get started on a diet. Life insurance rates are based on your age and your health. The healthier you are the lower your premium will be. Living a healthier lifestyle will not only lower your premium, it will make you feel better and will allow you live longer.

4. Get a No Load Policy

No load policies do not have added fees such as agent commissions or marketing fees, which can add hundreds of dollars to your policy. With a no load policy you only pay for the policy.

5. Buy Only What You Need

Most people buy too much or too little life insurance because they haven’t taken the time to figure out what they really need. Take the time to evaluate how much life insurance your beneficiaries will need now, and how much they’ll need in the future.

6. Clean Up Your Credit

Insurance companies reason that if you have bad credit you’re more likely to let your policy lapse and are therefore a higher risk to them. If you have bad credit you’ll pay more for your policy and may even be denied a policy. Get your free credit report from Experioan or Equifax, and if you have bad credit, start repairing it. You’ll not only save money on your policy, you’ll also save your credit rating.

7. Get Your Policy Now

Life insurance is based on two primary factors – your age and your health. The younger you are and the healthier you are, the less you’ll pay for your policy. By purchasing a policy now, instead of waiting until you’re older and have health problems, you’ll get a much better rate on your policy.

Visit http://www.LowerRateQuotes.com/life-insurance.html or click on the following link to get life insurance rate quotes from top-rated companies and see how much you can save. You can get more tips and advice in their Articles section, and get answers to your questions from an insurance expert by using their online chat service.

The author, Brian Stevens, is a former insurance agent and financial consultant who has written a number of articles on life insurance.