Author Archives: Guest Author

One of the most important tasks to complete as a consumer is obtaining an annual copy of the most current credit file on record. This can be done via a free credit check through any of the four major credit reporting bureaus. All four, Transunion, Experian, Equifax and, in Australia the CRAA, have easily navigated websites or can be reached via telephone or regular mail. Each of the bureaus allows one free credit check per year, per consumer. Depending on the originating country of a particular loan, any of these four bureaus could have credit file information for a consumer. Completing the process of receiving a current credit file from any of the bureaus, preferably all three, is essential to managing and maintaining an accurate credit rating. Continue reading →

You might be, as many people are, under the impression that establishing a credit certificate is a bothersome task. Not so, I assure you. If you can follow the advice here you will be able to achieve it easily. All you need is $400. You do not have it? Well, borrow it from friends or relatives. Beg, steal or borrow! Armed with this amount of money, walk into a bank and open a savings bank account and obtain the passbook. Continue reading →