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Our purpose is to educate you about all areas which effect the qualilty of your lifestyle...Finding the perfect place to live is one...Maintaining your credit and knowledge of your options is another...see the articles and links below to assist you in making the MOST of your lifestyle!


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Five Reasons to Check Your Credit Report Regularly

Five Reasons to Check Your Credit Report Regularly

In much the same way that a resume displays your work experience to a prospective employer, a credit report provides prospective creditors (and in some cases employers and insurers too) with a detailed picture of your credit history. And like a resume, your credit report can influence whether you will receive what you are applying for.

Ideally, your credit report is an accurate, up-to-date reflection of your credit history. However, since we don't live in an ideal world, there are many reasons that your credit report could contain inaccuracies that might prevent you from receiving the credit you deserve. The good news is you can take action to keep your report accurate. Here are the top five reasons why you should make a practice of regularly reviewing your credit report:

Inaccuracies & Mixed Credit Files

Many inaccuracies on a credit report can be the result of simple human error, and are therefore are not difficult to dispute. Of course, if you don't order your credit report, you might never know about it. Whether the inaccuracies relate to payments not credited, late payments, or data mixed in from the credit file of someone else with a name similar to yours, you will want to contact the credit bureau to dispute inaccurate information promptly. If you would like to get a free copy of your credit report, click here now.

Tracking Payments

One of the most important elements of credit is a demonstrated history of on time payments. Once you send the check though, anything can happen--a delay in the payment being received can kick you over to a 30-day delinquency. If you call your creditor and explain the situation, they might adjust the information. Of course, if you don't read your credit report, you won't necessarily know which payments are being received and reported properly. If you would like to get a free copy of your credit report, click here now.

Identity Theft

This issue alone is reason to order your credit report immediately. Identity theft is an insidious crime, involving a thief who assumes your name to open new accounts, divert your card statements to another address, and run up all sorts of bad debt without you ever knowing about it until collectors come calling. Over time, identity theft could jeopardize your ability to obtain further credit. The best way to catch a thief who is using your name is by getting a copy of your credit report, which will show you if there are accounts listed you know you haven't opened. For example, if a thief has intercepted a pre-approved credit card offer in your name and sent it in with a change of address, your credit report will include the account. If you would like to get a free copy of your credit report, click here now.


If you're shopping around for a loan or more credit, you should know that when creditors check your credit, it places an inquiry on your credit report. Inquiries can add up, which is often interpreted as a negative by creditors. For this reason, too many inquiries can actually make getting credit more difficult. Moreover, if you didn't authorize someone to look at your credit report and they did, they may have broken the law. If you would like to see who's been looking at your credit, click here to get a free copy of your credit report.

Credit Fraud--Unauthorized Charges

Credit fraud involves the theft of your credit card or account number to make unauthorized charges to your account. Though consumers are protected financially from this abuse, other creditors may take note of all this activity and decide to raise your interest rates or refuse to grant you a loan. Ordering your credit report will help you catch new activity on accounts that you haven't been using, or may have closed. If you would like to get a free copy of your credit report, click here now.

When it comes to managing your credit worthiness, your credit report is your best resource. Ordering your credit report gives you the opportunity to manage your credit wisely today, while planning your credit strategy for achieving future goals--a credit-savvy move every consumer should make! click here to get your credit report, for free!


Credit Knowledge, Monitoring and Education are EXTREMELY important to your future...We've provided the most helpful resources below, please take time to educate and protect yourself.
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Can Consumers Fight Back Against Credit Fraud?

In this age of information, credit fraud is not a difficult crime to perpetrate. The idea that a thief could gain access to your account information or personal data is not as implausible as you might think--social security number misuse has increased over the last two years, resulting in a variety of credit-related crimes.

Fortunately, you can fight back against credit fraud by learning how credit fraud and identity theft occur, and by actively monitoring your credit report for unauthorized account use on a regular basis. Your credit report will list any new activity on accounts you havent been using, as well as new accounts that you did not open.

One of the best ways to keep track of new information that is added to your credit report is the CreditCheck Monitoring Service, which provides Online Monthly Monitoring Alerts to inform you of new derogatory information, recent inquiries into your credit, and several indicators of possible credit fraud. If you would like to sign up for the CreditCheck Monitoring Service, click here . Youll get a free copy of your credit report when you sign up for a free 30-day trial.

To have credit report information at your fingertips is the best way to shut an identity thief down--you can begin the process of notifying your creditors of the fraud, changing your passwords, and closing down fraudulent accounts before they wind up in the hands of collectors and compromise your good credit.

How Credit Fraud and Identity Theft Occur

Specific personal data, such as your Social Security number, home address and mothers maiden name, can be all a thief needs to obtain a fraudulent drivers license, take over existing bank or credit accounts, divert card statements to a different address, or even apply for new credit card accounts under your name. Thieves can obtain this information in variety of ways, including fishing through trash for account statements, lifting cards from lost or stolen purses, wallets and briefcases, or through telephone or Internet scams.

How to Prevent Credit Fraud and Identity Theft

Customers may be in a position to prevent potential identity theft by closely guarding their personal data. For example, never give out your Social Security number over the phone unless you know the company you are dealing with and have initiated the call.

Similarly, if your mothers maiden name is not likely to be a secure password, consider changing it to something a little more difficult for a thief to obtain. Also, carry only the cards you are actually going to use, and leave official documents like Social Security cards, passports and birth certificates at home or in a safety deposit box.

Account Takeover Fraud

Credit card account statements contain a lot of sensitive information that you dont want thieves to get a hold of, and even store receipts will frequently have your credit card number printed on them. Sometimes an account number is all a thief needs to make charges and obtain cash advances. Its a good idea to shred all financial documents before discarding them.

A thief in possession of sensitive information about you may also be able to go one step further, and commit account takeover fraud, simply by calling your creditor, reading off your account number, a partial Social Security number and your mothers maiden name, and asking them to change the mailing address on the account. For this reason, if you dont receive a credit card statement on time, you should call your creditor immediately to verify that the address has not been changed.

Checking your credit report may also reveal activity on an account you dont use--get a FREE copy of your credit report to see your currently open accounts, and stay on top of the situation with the CreditCheck Monitoring Service.

Pre-Approved Credit Offers

Another source of potential credit fraud is pre-approved credit offers. A thief who intercepts one may fill out the application and change the address to obtain a credit card in your name for which you will never receive a statement. (To combat this, some creditors will not issue a card to a new address on a pre-approved offer certificate, but this policy isnt universal.) This makes checking your credit report especially important, because it will show you if there are accounts being reported in your name of which you are not aware.

The thief may even make the minimum payments for a while, until such time as the card is maxed out. Then the account would eventually be turned over for collections--in your name, and listed on your credit report. If you would like to sign up for the CreditCheck Monitoring Service,click here. Youll get a free copy of your credit report when you sign up for a free 30-day trial.

The CreditCheck Monitoring Service Can Help

In many cases, the only way youll catch credit fraud early is by obtaining a copy of your credit report. However, most consumers may not have time to order a copy of their credit report on a month-by-month basis, and read through all the information looking for the items that may indicate possible credit fraud.

Thats why the Credit Check Monitoring Service is ideal for consumers who want to keep current on their credit information. At roughly half the cost of ordering your credit report every month, the CreditCheck Monitoring Service provides Online Monthly Monitoring Alerts that show you only recent changes for easy reference. In addition, you can obtain unlimited free copies of your credit report at any time during your paid membership!

So click here to sign up for the CreditCheck Monitoring Service, and get your FREE credit report.

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