Save Money on Your Credit Reports

If you don't want to pay for your credit information, you have several alternatives.

  • Consumerinfo.com. This web site operated by Experian will give you a free credit report, but it also will automatically enroll you in a $79.95 credit-monitoring service. Cancel this service within 30 days and you owe nothing.
  • Free reports. Various states require credit bureaus to provide reports for free, or at nominal cost. Also, under federal law, you may receive free reports from each of the repositories if you're unemployed and looking for work, you're on welfare, or you've been turned down for credit during the past 30 days.
  • General commentary. For the latest (usually critical) commentary about credit scoring and credit reporting, go to www. creditscoring.com and www.creditaccuracy.com. Also, the Federal Trade Commission maintains consumer information on all types of credit issues at www.ftc.gov.
Borrowing Basics

Borrowing Basics

Some small business persons cannot understand why a lending institution refused to lend them money. Others have no trouble getting funds, but they are surprised to find strings attached to their loans.

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