KNOWLEDGE FINANCIAL
Your Access to Free Annual Credit Report

The Fair Credit Reporting Act (FCRA) requires each of the nationwide consumer reporting companies – Equifax, Experian, and TransUnion – to provide
you with a free copy of your credit report, at your request, once every 12 months. The FCRA promotes the accuracy and privacy of information in the files
of the nation’s consumer reporting companies. The Federal Trade Commission (FTC), the nations consumer protection agency, enforces the FCRA
with respect to consumer reporting companies.

A credit report includes information on where you live, how you pay your bills, and whether you’ve been sued, arrested, or filed for bankruptcy.
Nationwide consumer reporting companies sell the information in your report to creditors, insurers, employers, and other businesses that use it to
evaluate your applications for credit, insurance, employment, or renting a home.

Here are the details about your rights under the FCRA and the Fair and Accurate Credit Transactions (FACT) Act, which established the free annual
credit report program.
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To dispute your credit report, contact:

Equifax: 800-685-1111

Experian: 888-EXPERIAN (888-397-3742)

Trans Union: 800-916-8800
More about your credit Score.
Companies base your credit scores on five categories.

The first category is payment history. Establishing a good payment history of on-time payments is an essential part of achieving a higher credit score. Also,
making payments for slightly over the minimum payment, helps to keep the balance down on your credit cards. Making only the minimum payment will not bring
your balance down because of the interest that will accrue during the given month. Making a minimum payment will only cover the interest, and will not be
reflected on the balance of the card. We will analyze your credit report and credit score to determaine how we can maximize your opportunities for improvement.

The second category is balance owed. Having a credit card at its maximum limit is detrimental to your credit score. It is better to have your debt split between
two separate cards, then to have a card at its limit.

The third category is length of credit history. The longer your credit accounts are open and in good standing, the better off your credit score will be. Our Credit
Report will indicate this information and how it is affecting your credit score.

The fourth category is type of credit used. Some types of credits are better than others. You can also see this on your credit report.

The fifth and final category is new credit. Opening multiple credit accounts over a short period of time will leave a negative reflection on your credit report.

Any derogatory marks you may have will be available for you to view and possibly correct. A derogatory mark can be the result of making a late payment,
receiving late fees, or missing a payment all together.

Making timely payments is an important step in achieving a higher credit score. Also, keeping a handle on the balance on all credit cards is key.
It is best to avoid using your credit card to its limit. It would look better to open a second card and use half of the available balance. Keep in mind, that timely
payments on both cards are essential. Another good reason to get a free credit report is that you are entitled to one annually by law. Annual credit reports are
useful for keeping up with the most recent changes to the credit profile that you have worked so long and hard to build.
Take advantage of our free annual credit report Today.  
What Information is Included In Your Credit Report?
Personal information. Compiled from credit applications you've filled out, this information normally includes your name, current and recent addresses, Social Security
Number, date of birth, and current and previous employers.



Credit history. The bulk of your credit report consists of details about credit accounts that were opened in your name or that list you as an authorized user (such as a
spouse's credit card). Account details, which are supplied by creditors with which you have an account, include the date the account was opened, the credit limit or
amount of the loan, the payment terms, the balance, and a history that shows whether or not you've paid the account on time. Closed or inactive accounts,depending on
the manner in which they were paid, stay on your report for 7 to 11 years from the date of their last activity.



Inquiries. Credit reporting agencies record an inquiry whenever your credit report is shown to another party, such as a lender, service provider, landlord, or insurer.
Inquiries remain on your credit report for up to two years.



Public records. Matters of public record obtained from government sources such as courts of law -- including liens, bankruptcies,and overdue child support -- may
appear on your credit report. Most public record information stays on your credit report for 7 years.
THE IMPORTANCE OF YOUR CREDIT RATING
The credit bureaus that issue these scores have different evaluation systems, each based on different factors. Some may take into consideration only the information
contained in your credit report, which we look at below. The primary factors used to calculate an individual's credit score are their credit payment history, current debts, time
length of credit history, credit type mix, and frequency of applications for new credit. Because the scoring systems are based on different criteria which are weighted
differently, the three major credit bureaus in the U.S. (Equifax, Trans Union, and Experian) may issue differing scores for an individual, even though the scores are based on the
same credit report information.
You may hear the term FICO score in reference to
your credit score - the terms are essentially
synonymous. FICO is an acronym for the Fair
Isaacs Corporation, the creator of the software
used to calculate credit scores.

Scores range between 350 (extremely high risk)
and 850 (extremely low risk). Here is a
breakdown of the distribution of scores for the
American population in 2003:
Why Your Credit Rating Is Important
When you apply for a credit card, mortgage, or
even a phone hookup, your credit rating is
checked.

Credit reporting makes it possible for stores to
accept checks, for banks to issue credit or debit
cards, and for corporations to manage their
operations. Depending on your credit score,
lenders will determine what risk you pose to them.

According to financial theory, increased credit
risk means that a risk premium must be added to
the price at which money is borrowed.
Basically, if you have a poor credit score, lenders
will not shun you (unless it is utterly awful), but
lend you money at a higher rate than the one paid
by someone with a better credit score.

Credit rating shows how individuals with varying
credit scores will pay dramatically different
interest rates on similar mortgage amounts, -the
difference in interest, in turn, has a large impact
on the monthly payments (which pay off both
interest and principal):
Credit Is a Fragile Thing
Being aware of your credit and your credit score is very important, especially since you can harm your
credit without even being aware of it. Here's a true story of what can happen:

Jean's credit report and find a bad debt from the credit card company.
Jean's credit report and find a bad debt from the credit card company.

According to the credit report, the company tried to collect for a year but recently wrote it off as a bad
debt, reporting it as an R9, the worst score you can get. Of course, all this is news to Jean.
Tips to Improve or Maintain a High Credit Score:
Make loan payments on time and for the correct amount.
Avoid overextending your credit. Unsolicited credit cards that arrive by mail may be tempting to use, but they
won't help your credit score.

Never ignore overdue bills. If you encounter any problems repaying your debt, call your creditor to make
repayment arrangements. If you tell them you are having difficulty, they may be flexible.

Be aware of what type of credit you have. Credit from financing companies can negatively affect your score.
Keep your outstanding debt as low as you can. Continually extending your credit close to your limit is
viewed poorly.

Limit your number of credit applications. When your credit report is looked at, or "hit," it is viewed as a bad
thing. Not all hits are viewed negatively (such as those for monitoring of accounts, or prescreens), but most
are.
Credit is not built overnight. It's better to provide creditors with a longer historical time frame to review: a
longer history of good credit is favored over a shorter period of good history.
A recent amendment to the federal Fair Credit
Reporting Act requires each of the nationwide
consumer reporting companies – Equifax,
Experian, and TransUnion – to provide you with
a free copy of your credit report, at your
request, once every 12 months. But there’s
only one online source authorized to do so.
How to get your free credit report from all 3 credit bureaus, and how important is the credit rating?  
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Credit Card Fraud: 21 Tips to Protect Yourself

Although credit card fraud is certainly on the rise -- and credit card fraud on the Internet is rising even more dramatically -- many savvy Internet shoppers know that the reality is that it's actually much safer to enter your credit
card number on a secure online order form than it is to give your credit card to a waiter at a restaurant.

After all, what's to stop the waiter from writing down your credit card number and placing orders on the phone with it later?

And research shows that the rate of fraudulent purchases made by cell phones is much higher than credit card fraud on the Net.
Nevertheless, we encourage you to take precautions when giving out any confidential information (including your credit card number) over the Internet, over the phone... or anywhere else for that matter!

Always use common sense -- it is the best rule of thumb.
Nonetheless, we've created 21 tips to protect yourself from credit card fraud -- which you'll find below.

First though, we wanted to mention a much more prevalent -- and much less publicized -- aspect of credit card fraud: the dangers of credit card fraud for businesses who accept credit cards over the Net. You can read more
about

21 Credit Card Fraud Prevention Tips:

1. Keep an eye on your credit card every time you use it, and make sure you get it back as quickly as possible. Try not to let your credit card out of your sight whenever possible.
2. Be very careful to whom you give your credit card. Don't give out your account number over the phone unless you initiate the call and you know the company is reputable. Never give your credit card info out when you
receive a phone call. (For example, if you're told there has been a 'computer problem' and the caller needs you to verify information.) Legitimate companies don't call you to ask for a credit card number over the phone.
3. Never respond to emails that request you provide your credit card info via email -- and don't ever respond to emails that ask you to go to a website to verify personal (and credit card) information. These are called
'phishing' scams.
4. Never provide your credit card information on a website that is not a secure site.
5. Sign your credit cards as soon as you receive them.
6. Shred all credit card applications you receive.
7. Don't write your PIN number on your credit card -- or have it anywhere near your credit card (in the event that your wallet gets stolen).
8. Never leave your credit cards or receipts lying around.
9. Shield your credit card number so that others around you can't copy it or capture it on a cell phone or other camera.
10. Keep a list in a secure place with all of your account numbers and expiration dates, as well as the phone number and address of each bank that has issued you a credit card. Keep this list updated each time you get a
new credit card.
11. Only carry around credit cards that you absolutely need. Don't carry around extra credit cards that you rarely use.
12. Open credit card bills promptly and make sure there are no bogus charges. Treat your credit card bill like your checking account -- reconcile it monthly. Save your receipts so you can compare them with your monthly
bills.
13. If you find any charges that you don't have a receipt for -- or that you don't recognize -- report these charges promptly (and in writing) to the credit card issuer.
14. Always void and destroy incorrect receipts.
15. Shred anything with your credit card number written on it.
16. Never sign a blank credit card receipt. Carefully draw a line through blank portions of the receipt where additional charges could be fraudulently added.
17. Carbon paper is rarely used these days, but if there is a carbon that is used in a credit card transaction, destroy it immediately.
18. Never write your credit card account number in a public place (such as on a postcard or so that it shows through the envelope payment window).
19. Ideally, it's a good idea to carry your credit cards separately from your wallet -- perhaps in a zippered compartment or a small pouch.
20. Never lend a credit card to anyone else.
21. If you move, notify your credit card issuers in advance of your change of address.
If you suspect credit card fraud:
If your credit cards are lost or stolen, contact the issuer(s) immediately.
Most credit card companies have toll-free numbers and 24-hour service to deal with these emergencies -- they are eager to avoid credit card fraud.
According to US law, once you have reported the loss or theft of your credit card, you have no more responsibility for unauthorized charges. Further, your maximum liability under federal US law is $50 per credit card -- and
many credit card issuers will even waive that fee for good customers.
If you follow all these tips, it will go a long way in protecting you from credit card fraud.

7 THINGS YOU CAN DO TO PROTECT YOURSELF FROM CREDIT CARDS FRAUD!

Check all your credit card and bank statements very carefully. If you have access online to your credit card charges and/or bank accounts, we recommend you check your statements frequently so you can spot problems as
early as possible.
If you find any unauthorized charges on any of your credit cards, notify your card issuer immediately.
If you discover a problem, follow the advice in our article: "What to Do if Your Credit Card or Wallet is Stolen."
Consider using one-time use credit card numbers, called "controlled payment numbers" or "virtual account numbers," for your online purchases. Controlled payment numbers help protect your privacy and your security.
They are substitute numbers that let you shop online without using your real credit card number.
Typically, controlled payment numbers expire after one use (although their use can be extended for repeating monthly bills). These substitute numbers link back to your credit card number without you ever having to reveal
your actual credit card number when you shop.

The benefit is that if the substitute credit card number is stolen, such as in this case of the 40 million MasterCard and other credit card numbers, the substitute number would be worthless and your real credit card number
would not be compromised.
.

Consider purchasing a credit monitoring service. These services typically offer periodic copies to your credit reports so you can monitor your credit file, email alert notifications of key changes in your credit reports, identity
theft insurance, and personal customer service help.

All three major credit reporting companies offer these services. They are not inexpensive.  
(Please note that this is an affiliate link, so KNOWLEDGE FINANCIAL does earn a commission if you purchase this service by clicking on this link.   
Note: Some people have very strong negative feelings about these services. They believe these services should be free to everyone, and that having to pay for them is completely unfair. We respect that opinion.

Our belief is that regardless of whether or not these services *should* be free, the fact is that they aren't. So, we believe the more practical question now is whether or not these services provide sufficient value to you to be
worth the not inconsequential cost.
Personally for us, because of all the security breaches this year -- both online and offline -- the answer is now that it is worth it to us. It may or may not be for you.
Consider putting a 'fraud alert' on your credit file with the major credit card bureaus as a precautionary measure.

A fraud alert is an alert that the three major credit reporting companies attach to your credit file that alerts creditors that your private financial information has been, or may be, compromised.

This free service alerts creditors to use additional steps to verify your identity before opening new accounts in your name.
When you place a fraud alert with one of the three major credit reporting companies, they will automatically notify the other two companies on your behalf, so you don't need to place the alert with all three.

In addition to flagging your account with a fraud alert, your name will also be removed from pre-screened offers for credit cards and loans. And, you may well be able to receive free copies of your credit report from all three
major credit monitoring companies.
Placing a fraud alert does not damage your credit. You can remove the alert by calling the number on the credit reports you receive.

There are certainly drawbacks to placing a fraud alert, including that getting new credit cards and other credit may be more difficult. For example, a fraud alert may limit your ability to get instant credit for in-store
purchases.
Creditors are asked to call you at a designated phone number before opening new accounts, and you may be required to show additional identification when opening new accounts.

Another drawback is that a fraud alert may not prevent a scammer from opening a new account in your name. Creditors are asked to call and verify all credit applications made in your name before they open any new credit
account or grant any new credit. However, creditors are not required by law to contact you. In other words, fraud alerts can legally be ignored by creditors.
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To all you angry credit card customers out there, don't get mad - get smart.

HOW NOT TO PAY ANY FEES AND INTERESTS ON YOUR CREDIT CARDS? FREE RIDE!


Learn a few tricks of the trade to avoid paying extra fees and make the credit companies work for you. Do this and credit card big shots will hate you and call you a free-loader, but also
grudgingly salute you in private, hoping that few people imitate your sage actions.

1. You Ride the Train, But Never Pay
Here's the secret. This is a strategy constantly advocated by financial advisers: Pay off credit cards expeditiously and entirely each month. Never go beyond the interest-free 30-day grace period.
Then you will be taking what the card company executives sneeringly refer to as a "free ride" - you get to use their money without paying them anything for the privilege.

Do this one little thing and you will save thousands, maybe tens of thousands, of dollars in needless interest payments. You will also stop card companies from hiking your interest rates for
missing a payment or for holding too many cards with big balances.

In fact, if you pay within the grace period, you have the upper hand over the card issuer. That's because you, as a free rider, will force the card company to provide a 0%, short-term loan. That's a
terrible deal for any issuer in an era of perpetual inflation and fiat money. The issuer is gambling that a large number of customers will spurn a free ride and make them millions by carrying a
balance. Don't be one of them.



Get Your House of Cards in Order
If you are carrying a balance on your credit cards - especially if you are only able to make the minimum monthly payments - it's time to take control of the situation. Start by reading the fine print
on your credit card agreements. Pay particular attention to the following:

Yearly Fees - Why would you ever pay a fee for the "privilege" of paying 14%+ interest on items you can't actually afford? If the card in your wallet comes with a yearly fee, cancel the card.
High Interest Rates - Credit card companies charge sky-high interest rates because consumers are willing to pay them. Simply pick up the telephone and ask your creditors to lower your
interest rate. You might be surprised to find that many companies will lower the rate simply because you called.
Late Fees - This fee is assessed as a penalty when you don't make your payments on time. When you are shopping for a credit card, be sure to compare late fees. If you can't make the
payment, this fee will set you even further behind.
Penalty Rates - According to a 2005 credit card survey released by Consumer Action, a consumer advocacy group, 79% of credit card issuers impose higher interest rates as a penalty to people
who carry a monthly balance and make a late payment. Because 21% of issuers don't engage in this practice, it shouldn't be hard to find a card that doesn't come with a penalty rate.
Over-the-Limit Fees - Many companies will impose a penalty fee if you go over your card's spending limit. Once again, you need to compare the fees before choosing a card.
Bounced Check Fees - Banks charge a fee for bounced checks; many credit card companies will also charge a fee if you send them a check that doesn't clear. Avoid this added expense, if
possible.



Minimum Payments - Minimum payments are the cardinal sin of credit card use. If you thought gasoline was expensive at $3.25 per gallon, why would you want to carry a balance and pay
interest on top of the initial cost? According to Bankrate.com, if you only make the minimum payment on a $12,000 credit card balance at 18% interest, it will take more than 60 years and nearly
$35,000 to pay off the balance. Despite this, they also report that some 7% of Americans make only the minimum payment each month. This situation is so alarming that federal banking
regulators recently released guidelines recommending that credit card issuers require that clients pay at least 1% of the principal balance each month. At this rate, that $12,000 would be paid
off in just over 30 years at a cost of more than $17,500.  
Conclusion
Credit cards themselves don't put people in debt. After all, a credit card is just a tool, and tools are only as dangerous as the people who use them. To minimize the dangers to your financial
health, choose your cards wisely, think twice before using them and, most importantly, don't carry a balance. If your credit card doesn't help you save money or provide a useful reward at no cost
to you, don't use it. There are plenty of places where your credit card will come in handy - just be sure that you don't let the cost of this convenience get out of hand.
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