 You
can now order one FREE copy of your credit report
each year from the three credit bureaus at Annual
Credit Report.com However, this site does
not send you your credit score unless you order it,
for a fee.
We feel so strongly about supplying our clients with
the resources to manage and maintain their credit
from this day forward that we refer them to www.privacyguard.com,
a credit watch site that allows consumers to pull
their three scores and three reports every 30 days.
The cost is minimal; $1.00 for the first two months,
and $12.99 per month thereafter. The membership is
can be cancelled at anytime. Click
Here for instructions on how to sign up.
It's up to you, you have many options, and following
are more links for your referrence:
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30% of your credit score is made up of how you manage
your credit card debt. You MUST have active credit card
tradelines to maximize your credit score. So if you
are a new credit user, or have filed for bankruptcy,
or have closed all of your credit cards, then we recommend
that you apply for a secured credit card. A secured
credit card means that you put up your own money as
collateral. The amount of the limit does not matter
to the scoring system, only that you use it and pay
it one time.
We have seen credit scores increase by as much as 50+
points in the first two months of our client using a
secured account.
There are hundreds of secured credit card companies
on the web, but we refer our clients to ORCHARD
BANK , because we know that this card works
with consumers to build or rebuild their credit, and
they guarantee that they will report to all three credit
bureaus.
 The
Do's & Don'ts of Credit Cards
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