Credit Resources

The Top 20 Toxic Credit Mistakes     MY NEW BOOK!  AVALIABLE NOW!

Consumers have little understanding of how the actions they take can DAMAGE their credit instead of helping. This book is vital to maintaining good credit and for those who are rebuilding their credit. A quick read and valuable reference resourse for consumers. These are the top mistakes I see every day that needlessly trash FICO scores! Price $9.95 plus $2.50 shipping. Click on the PayPal Logo below on right side to pay for the book. - 68 pages

Recommended Merchant Credit Cards for Poor Credit

The Help card is a great credit card for you to get that will boost your credit scores and report to all three bureaus. You only need a 500 credit score on Equifax to be approved for a $1,100 to $6,500 credit limit. A one-time fee of $125 and one small purchase gets you started. This can give your credit scores a big boost! Hold Ctrl and CLICK HERE       

Another excellent Merchant card gives you a $5,000 line of credit and is designed for boosting your credit scores if you have limited credit and low scores. $99 to sign up and one purchase needed to activate the account. Hold Ctrl and  CLICK HERE   

Great Place to Get All Three Credit Reports

Just go to to sign up for the best credit monitoring. You get all three credit reports, all three credit scores, instant alerts on your credit changes, and best of all, you can pull a NEW credit report every month! This service costs $29.95/ month but by going through this site it's yours for $19.99 per month. We've seen no other service that gives you so much at any price.

Federal Law mandates that your credit report must be made available to you freely on an annual basis. The three credit bureaus, Experian, Equifax and TransUnion all make your annual reports available at You are able to get one free report at a time, but keep in mind your other reports most likely will be reporting data the one you received do not.

Your credit report and your credit score are different. Fair, Isaac Corp developed the FICO score, the most commonly used credit score. The FICO score is a number between 300 and 850 that predicted how likely you are to become 90 days late on a loan. You can purchase your FICO score for Equifax and Transunion credit bureaus, or just for one, at IMPORTANT: go to the bottom of the page in the second column of small price click on "FICO Standard", this is where you can purchase the reports and your FICO scores for $19.95 each. Otherwise,m you will be steered to signing up for Credit Monitoring.

Fair Credit Reporting Act

As credit scores became more and more important to the everyday life, it became apparent that some laws governing the credit bureaus were needed. The Fair Credit Reporting Act (FCRA) is the law that governs the credit bureaus and protects consumers.

Equifax, TransUnion and Experian

The credit bureaus have a lot of helpful information on their sites about credit, and the ability to purchase reports if you have already received your free report for the year.

Send your credit report for a Free review to 631-574-3174 fax or e-mail to