Answer by Larkie
It is our right to check our credit reports, unfortunately that right isn’t extended beyond obtaining one report per year ( https://annualcreditreport.com ). If you want to check it more often, then you pay for the privilege. It might be cheaper for you to sign up for a credit monitoring service than checking your report so frequently.

Answer by Rod Rod Go
There is a website where you can go and you are supposed to get one report free per year. www.annualcreditreport.com I think it is.

Answer by elletera
Equifax does not pester you. They just give you the credit report for free. I have never even gotten junk mail from them.

Answer by CatDad
You will always have to pay for your credit score. Any firm offering a “free” credit score will want your credit card numbers for their monthly credit monitoring service. You can buy your FICO credit score for a one-time fee of $ 15.95 at: http://www.myfico.com http://www.equifax.com There is a free credit score estimation service at http://www.creditkarma.com – this is only an estimation and not the real FICO score. You can get a free credit REPORT (not score) at http://www.annualcreditreport.com – This is the real free site to get your credit report once a year without a credit card.

BDA International, LLC a Lifestyle Change Strategy Company has partnered with Directo, Inc., the nations leading provider of pay cards for employers and their unbanked employees, to offer bank accounts to employees without relationships with traditional banking institutions. They have also partnered with Indigo International a financial services company offering the IndiGOCARD prepaid MasterCard debit card that combines a simple fee structure with high quality banking services. By combining affordability, guaranteed acceptance and the spending power of MasterCard, individuals from all backgrounds can enjoy safety and convenience. The IndiGOCARD features great services like credit bureau reporting – to improve credit scores, calling card capability – for affordable long distance, and mailed monthly statements. Both products guarantee approval without credit checks.

Dr. Zolee Robinson, President and CEO of Bda International L.L.C. – the parent company to Alternative Weight Loss and American Credit Restoration in Greensboro, NC, says she is “on the cutting edge of a trend.” American Credit Restoration Service (ACRS) provides lifestyle change strategies for the so-called, “unbanked” and “underbanked” individual offering memberships for financial services and credit education workshops. As a free service we provide credit restoration. The goal of ACRS is to mainstream the unbanked back to creditworthiness and traditional banking relationships by opening and re-opening a world of possibilities through education and lifestyle changes. All products and services are provided in both English and Spanish.

“Nearly 48 million Americans do not have a banking relationship or access to traditional banking systems,” said Dr. Zolee Robinson. “These are hard working wage earners — primarily low-income, part-time, temporary workers and teenagers who don’t have bank accounts, and often pay exorbitant check cashing and money transfer fees. The services offered by American Credit Restoration Service will help people achieve their goal of being creditworthy again by offering various financial products and services, money management courses and workshops as well as helping people to accept financial responsibility for themselves.”

Millions of Americans on Chexsystems or with bad credit cannot open traditional checking accounts at banks that use credit scores and check credit history before issuing an approval. For these families, payday means paying check-cashing fees, or going far out of their way to get the best deal. Keeping cash in the house is dangerous, too, both because of the risk of theft and because lost cash cannot be replaced.

Dr. Robinson may be right. A growing number of wage earners are being paid with a payroll card, which resembles a debit or ATM card. Estimates of the so-called “unbanked” vary, but analysts agree that states with high immigrant populations, such as North Carolina, have a higher percentage than other states. Dr. Robinson’s company, nestled on the Triad, is right in the thick of the unbanked population.

This segment often has to pay excessive fees to cash paychecks because many banks charge customers that do not have accounts with the bank. The cards, both Directo and IndiGOCARD work much like a debit card. Once an employee’s pay is electronically deposited into his payroll-card account or loaded onto the prepaid MasterCard, the cards can be used to withdraw cash from an automated teller or to make purchases at stores. For companies, the cards can also be a money saver. Distributing a paycheck can cost as much as $ 2 per employee; while using a pay card system costs about 50 cents per employee. “The potential savings for a company are enormous,” Dr. Robinson said.

According to Directo President and CEO Bob Howe, “more than a million people use payroll cards. That number is expected to grow to 3.5 million by 2006.”

Through Directo, American Credit Restoration Services can offer FDIC-insured checking accounts that work with a PIN-based debit card. If the card is lost or stolen, a quick call to a toll-free number sends a new one, and the old one is blocked from use. There is little anyone can do with a found Directo card, however, according to Directo President and CEO Bob Howe.

“PIN-based cards are the safest way to get paid,” Howe reports. “The owner knows the secret four-digit code, and can change it at anytime. No one else can use the card.” The card can be swiped at retail Point of Sale machines to make purchases and get cash back, or it can be used at ATMs to make withdrawals.

The IndiGOCARD differs from many of its competitors because it charges low usage fees, is insured by the FDIC and delivers credit reports to the major credit reporting agencies. “Many of the other cards offer none of that and that is why many of them are not looked upon favorably by consumer groups. Our card will help the user build their credit rating, assuming they stay in good standing,” says Daniel Hines, President of Indigo International.

“The unbanked population has been ill-served because they often get charged every time they deal with a financial institution. At the same time, they’re not building credit,” Dr. Robinson said. This is one reason ACRS has the blessing of the minority community in the Triad. “Many workers have problems with their pay because they don’t have access to a bank. We give them that access,” she said.

Dr. Robinson formed the company about 8 months ago after counseling many of her weight loss clients who were both unemployed and underemployed. The resulting by-products were credit challenges and the related lifestyle issues. “Basically it comes down to education, and a commitment comprehensive lifestyle changes – both are necessary to lose substantial amounts of weight and to be creditworthy again,” said Dr. Robinson.

“Working with American Credit Restoration Services and having a Directo account and an IndiGOCARD is a big step towards rejoining the banking mainstream, and increasing an individual’s self-esteem,” Dr. Robinson said. “We help people every day.”

About Bda International, LLC

Bda International is the parent company to Alternative Weight Loss and American Credit Restoration Service (ACRS). ACRS provides comprehensive Lifestyle Change strategies to underbanked and unbanked individuals by offering financial services and products to help clients establish and re-establish their credit and money management courses. Alternative Weight Loss offers comprehensive weight loss and weight management programs specifically for women who are in excess of 100 pounds overweight via the Internet and through teleclasses. Dr. Zolee Robinson has a Ph.D. in Behavioral Psychology, is a Certified Lifestyle Counselor, a member of The American Society for the Study of Obesity, is a national and international motivational speaker, is the author of “Losing It Slowly” she regularly writes for The National Voice of the Diabetic and writes locally on obesity and credit challenges facing minorities. She has recently been featured on BET.com for her 100 pounds weight loss. For more information visit http://www.AlternativeWeightLossInc.com

Contact:

Dr. Zolee Robinson

336-272-7406

###

©Copyright 1997- , Vocus PRW Holdings, LLC. Vocus, PRWeb, and Publicity Wire are trademarks or registered trademarks of Vocus, Inc. or Vocus PRW Holdings, LLC.

Many think that accessing credit reports is a long and difficult process but it is actually not hard as they may think. Anybody who has a credit report has the right to access his or her credit information.

Hector Milla Editor of the “Best Credit Reporting Services” website — http://www.CreditReportsAndScores.biz — pointed out;

“… The credit report companies are normally very helpful and contented in sending you a copy of your credit report. For those who are wondering what they need to do to get a credit report all they need to do is inquire for it. You need to write to the credit report companies to ask for a copy of your credit report …”

You will not be required to pay any money for the credit report. They have to give you a credit report for you to check whether the information contained is accurate. It is important to get credit information regularly so that you can determine your credit rating. This information will also help you find ways of improving your credit rating.

“… It is important to maintain a good credit rating because credit companies and loan lenders use it to determine your worthiness when applying for credit cards, loan and mortgages. A poor or soiled credit score will reduce your chances of getting financial assistance. It is advisable to get a credit report prior to applying for a loan so that you are able to determine whether you will be successful or not …” H.Milla added.

When you notice that you have a poor credit score and your chances of getting the loan are slim, you can undertake to other options or improve on the credit score to avoid having a loan rejection. Credit ratings also affect other things including insurance, apartment rentals, car loans and student loans. Therefore, you need to confirm the accuracy of the information.

It is very easy and simple to get a free credit report therefore instead of sitting and wondering whether your new credit card or loan will go through find out your credit score and you will have your answer.

Further information about how to get a detailed credit report including scores and as often as you want by visiting; http://www.BestCreditReportServices.com

Getting your free credit report without a credit card will enable you to have access to your credit history. It will show if you have been paying your loans and credit card bills on time and it will also contain information about your monetary judgments, your tax liens and even bankruptcy.

Free credit report without a credit card will also let you know where you stand as far as credit, getting a loan and what not. It is a fact that many people don’t know what their credit score or credit rating is. Because of this, they will often get negative credit reports because of applying frequently for credit cards and loans and getting rejected because of bad credit rating. Because of this reason, it is important for you to know your credit rating. This is why it is necessary for you to obtain your own copy of your credit report in order to know about your credit history and know if you have a good credit rating or a bad credit rating.

You obtain a copy of your credit report through credit reporting agencies. The credit reporting agencies makes your credit report and gives you your credit score. They make their reports based on the creditor’s reports about your credit. Free credit report without a credit card is essential for everyone who needs to know where they stand. If you weren’t paying your credit card bills or your loans on time, the creditors will give you a negative credit report to credit reporting agencies. Sometimes, a bad score can be caused by errors on the report. For this reason, it is very important for you to find out about your credit history by applying for a credit report from credit reporting agencies.

The document will contain all kinds of necessary information about your credit payment history. It will contain your identifying information, such as your name, address, current and previous address, date of birth, national security number, your previous employer, and also your spouse’s name if you are married. It will also contain your credit information with banks, credit card companies, retailers and also other lenders. The credit report can be viewed by creditors in order to determine if you are worthy of getting approved for a loan. It is also a document that can be analyzed by landlords and employers for your credibility.

Your Free credit report without a credit card will be provided by the three major credit bureaus in the United State, namely; Equifax, Experian, and TransUnion. The reports can be ordered at the same time. Also, these reports can be obtained for free, once a year. There are also companies that provide credit reports for free. However, these companies use their own system and are usually inaccurate.

So, if you haven’t applied for a credit report before within the year, you can obtain one through the three major credit bureaus in the United States. You can even order all three credit reports for free. By doing this, you will not only know about your credit history and credit rating, but you can also compare it and know about certain errors made.

For more information on accounting , please visit :

http://bytelan.com/wordpress/whatdoesreconcileinaccountingterms.php