| Based
on the Get $mart!™ workshop titled
"Are You Credit-Wise & Credit-Safe?", explore the
links below for more resources on understanding credit. The hand-outs
and a video disc from this session can also be obtained from the
Office of Financial Aid.
AnnualCreditReport.com
- This is a centralized service for consumers to request free annual
credit reports. It was
created by the three nationwide consumer credit reporting companies:
Equifax, Experian, and
TransUnion. AnnualCreditReport.com is the only service authorized
by
these companies for this
purpose. Please note that, as a security precaution, consumers should
never provide their personal information to any other company or
person in connection with
requesting free annual
credit reports under the FACT Act. AnnualCreditReport.com will not
approach consumers via email, telemarketing or direct mail solicitations.
Managing
Credit Cards: Planning to Prosper - This video and text presentation
provides valuable information about credit cards and credit reports.
WiseBorrowersm
Curriculum Credit Series - This Access Group web site provides
you with tutorials on Credit Basics, Credit Reporting, Credit Scoring
Basics, Maximize Your Credit Score,
Good Credit, Credit Cards,
and Credit Repair.
Credit
Education Center - This section of the myfico.com web site provides
information on credit scoring and credit reporting.
Understanding
Credit Scoring - Learn about the five areas of credit scoring
and what you can do to improve your credit score with this free
booklet.
Credit
Score Estimator - F.I.C.O. and bankrate.com jointly developed
this credit score estimator. Your credit score range is estimated
based on answers to ten questions about credit use and payment behavior.
Your credit report only
(not your credit score) can be obtained once a year free of charge
by residents of certain states (including Massachusetts) from the
three credit bureaus:
Equifax
Experian
TransUnion
National Foundation
for Credit Counseling - NFCC, through its Consumer Credit Counseling
Service member agencies, provides credit counseling, debt reduction
services, and education for financial wellness. |
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