Free Credit Report – Watch Out for Scams

Written by Charles Essmeier


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but they are actually only interested in harvesting your personal information. In addition to stealing your name, Social Security number and address, these sites may also tell you that a credit card number is necessary to “verify” your identification. With this information,repparttar people operating these sites can steal your identity! There are many other Websites that promise “free” credit reports, but few that actually provide them for free. One such site is currently under investigation for credit report fraud. The site promised a “free” report, but required a credit card for “identification” purposes. Customers filled outrepparttar 138691 form and received a copy ofrepparttar 138692 credit report but also received a charge on their credit card for $79. Other unscrupulous companies take a more direct approach by sending spam e-mail that promises to provide free credit reports. These spam messages are almost always “phishing” expeditions that are designed only to obtain your personal information. If you are interested in obtaining a copy of your credit report, you should avoid responding to e-mail solicitations.

It is a rare occasion when you can obtain something for nothing. You can, however, receive a copy of your credit report, for free, once a year. Be aware, however, that not everyone who is promising you a free credit report intends to provide you with one.

©Copyright 2005 by Retro Marketing. Charles Essmeier is the owner of Retro Marketing, a firm devoted to informational Websites, including End-Your-Debt.com, a site devoted to debt consolidation and credit counseling, and StructuredSettlementHelp.com, a site devoted to information regarding structured settlements.


Guide to Homeowner Loans

Written by John Mussi


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Interest rates for homeowner loans will depend on how much you want to borrow,repparttar repayment period and your financial circumstances, such as your credit record including any mortgage arrears and CCJs, proof of income and employment status.

Homeowner loans can be used for any purpose. You can userepparttar 138690 money to consolidate existing debts, pay off overdrafts and credit cards or buy yourself a new car, go on holiday or make home improvements.

One ofrepparttar 138691 benefits of a Homeowner loan is thatrepparttar 138692 interest rate will be lower than on a comparable Personal loan. Quite often this type of loan will be more flexible in terms of repayment period and asrepparttar 138693 amount you can borrow is primarily based onrepparttar 138694 'available equity' of your home, this tends to be more flexible also.

A Homeowner Loan is a loan secured on your home - this providesrepparttar 138695 lender with some form of security, regardless of whether it is mortgaged or owned outright.

You can borrow more with loans secured on property, normally up to £75,000 andrepparttar 138696 interest rates are normally lower than with an unsecured loan because ofrepparttar 138697 lower risk torepparttar 138698 lender.

With homeowner loans you can also pay over a longer period of time, anything between five years and twenty-five years.

You may freely reprint this article providedrepparttar 138699 author's biography remains intact:

John Mussi is the founder of Direct Online Loans who help UK homeowners find the best available loans via the www.directonlineloans.co.uk website.


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