We here at Best Credit Reports are proud to announce that we will now be providing our customers with credit monitoring through Identity Guard. We fell this will provide our clients with the best choice in the industry currently on protecting your credit, and viewing your credit scores.
With Identity Guard credit monitoring you will have access to all three credit reports, and all three credit scores. Your credit will be monitored with the leader in consumer credit monitoring, and you will have access to new tools and information that is second to none.
Before our credit monitoring was $14.99 per month, and this is now $17.99, why the price hike?
Well first off you now can now see all three credit reports and credit scores. In addition you also get a major increase in the insurance amount, and many other benefits you can check our home page for details.
We feel that all of our clients will be extremely satisfied with the new service, and the features that are included with it. We are so confident you will love it, its yours to try for 2 weeks absolutely free. If you find it was not what you wanted, or did not fit your needs, feel free to cancel during the first 2 weeks and you will not be charged.
Look for more updates coming soon!
ShareWe are always striving to bring our customers the absolute best product they can have for the best price. Currently we offer credit monitoring of all 3 credit reports, but you only have access to your Transunion Report and Score. If there are any changes to your Experian or Equifax reports you are notified within 24 hours. Its a great way to monitor all 3 reports.
Coming very soon, we will now offer a way to not only monitor your 3 reports, but to also have access to all 3 credit reports, and all 3 credit scores. In addition to many other great tools.
We understand that right now the economy is still very tough for many of our fellow Americans, and that getting a job is tougher than it ever has been. As you noticed down below many states are using credit scores to show how worthy you are of getting a job, which as I said below is a outrages thing to do! Regardless of what we think it is happening. And with this we felt we needed to find a company to partner with that would show all 3 credit scores.
Look for our new product launching later this week!
ShareYou may or may not be aware that many states have the right to use your credit score in hiring decisions. Calironia recently has passed legislation to help to stop this. You can read more about it here. While I think its a great start, I still think it does not do enough to protect consumers.
The new legislation will prevent potential employers from using your credit score against you, unless you will be moving company funds, have access to $10,000 or more in cash, or have access to data that could be used for identity theft.
Honestly, so many jobs have access to data that could be used for ID theft, that I think that part is a bit absurd, it is a giant loop hole for a large company (or small)to still be able to use your credit score against you. Like I said at least its a move in the right direction, but its not perfect yet.
I do not believe that your credit score has any impact on your character. Credit scores are used to judge your credit worthiness, not to be used to judge your morality. I find this very troubling, and I hope that more states will get on board with this and stop this practice from happening.
We are in the most sever depressing since the great depression, and some will argue that this will be worse than even back then. Regardless of what time in history was worse, this is a bad time for many of our fellow Americans. Many people have been out of work, or under worked for months, if not years. As a result your will not have perfect credit, if you have to face a choice between feeding your family or paying your credit card bill, I know many of us will have to choose feeding your family. This will in turn give you a negative mark on your credit, and this will snowball the longer you have been out of work, and your credit will suffer. Its a fact of the times we are living in.
Does this mean you would not make a great employee? No. Then why should this be used against you in considering your for a job? It beats me, I honestly do not see the rational here. I can see doing a background check to see if you have a criminal record. I mean if you have a past history of stealing assets from a company, and its on your criminal history, sure I think company’s should know about that.
The fact that you have missed some bills because you have been out of work, I feel that is nobody’s business but yours and creditors. Credit scores should remain for what they are intended for, assessing your risk as a potential lender. That is all they should be used for.
As you can see its more important than ever to know what your credit score is, and how it may impact you in your daily life. With our credit monitoring you have access to your credit score, and can update it as often as you would like.
ShareOn average there are around 10 million ID theft victims per year. Identity theft has become a common and annoying problem nationwide. I am sure by now (since you are here) you have heard the warnings about ID theft, or know someone who is a victim, or even worse you are a victim yourself. Don’t worry your in the right place. Credit Monitoring has become so much more advanced over the last few years that we can catch some many problems as they are happening and stop them before they ever get a hold of your ID.
Here are some ways to help you prevent ID theft while you are making the choice if you need credit monitoring or not.
1. Protect you social security number. Never give it out unless you absolutely must, and only if you if you can trust the company or Representative. Even so, it is important to ask how long it will be stored for, and how securely the data center is.
2. Try not to mail your personal bills from your home. Seeing a mailbox stuff with envelops is very tempting for would be ID thieves. This bills have so much information on the they are a pay day for thieves, home address, account number, phone number, etc,. Drop them off at the post office, or at your place of work.
3. Get into the habit of shredding any documents that have your personal information on them.
4. Review your credit reports often. If you find any inaccurate information take care of it as quickly as you can. If you do not enroll in credit monitoring, I recommend scanning your reports at least every 2 months.
If you decided to enroll with our credit monitoring, know you are in good hands, we have been in the business for over 10 years and strive to keep our customers updated and protected. We have not forgotten that its our customers who keep us in business.
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The air is turning cold, and we actually had snow on the ground the other day! Where did the warm days of summer go? Halloween is right around the corner, and after that we are in the holiday season. Many of us will become very busy until the new year, and its important that we become even more diligent in protecting our credit.
Where you believe in ghosts or not, a case of ID theft will haunt you for a very long time. The simplest way to protect yourself is to enroll in our credit monitoring, let us do the worrying for you.
The holiday are the busiest time of year for ID thieves, I attribute this to the hustle and bustle that goes on around this time of year. Many of us are shopping for the perfect Christmas gifts, and running from store to store and with that it becomes a bit easier to accidentally open ourselves up to ID theft. It could be as simple as dropping a credit card receipt, throwing out a financial statement without shredding it, or any of the above.
With our credit monitoring service, you will be alerted anytime a change is made to all 3 of your reports. You will be alerted within 24 hours, and if you feel someone is trying to steal your ID, you can then use our ID theft experts to help you take care of the problem quickly and accurately. We not only monitor your credit, but we will also be there for you if you ever have need us.
We here at BestCreditReports.com hope everyone has a enjoyable and safe Halloween season!
ShareWinter is coming, and with that there is a chance many of us can face seasonal depression. The days are short, its cold, and where our office is located it snows, and its snows a lot! If you are like me I love to be active and I love to spend time outdoors, winter puts a damper on that big time. Don’t get me wrong, I love to ski and snowboard, its just that’s not an easy thing to do for a quick exercise fix. Add on top of the chance of seasonal depression financial issues, and well you can get in over your head.
We are living in a very hard time here in the USA, jobs are hard to come by, jobs we do have are not paying enough to make a living, and everyday expenses seem to be getting more and more expensive. Many Americans are having to declare bankruptcy, which to be completely honest can not only the right decision to make, but a healthy one at that. I am not qualified to tell bankruptcy is the right choice for you, that is something that has to be done between you and a bankruptcy professional. What I can tell you is that yes it will be stressful, but you will get through it, and that in the end you will have a chance to build up your credit once again.
There are hundreds of great articles on the pros and cons of bankruptcy online, just Google them, that’s not what I want to cover. I want to cover the psychological impact that declaring bankruptcy may have on you. I know talking to some very close friends of mine what they have gone through. The first was shame, and honestly there is no reason for this. If you have lost your job, or are underemployed and your finances have falling to a level you are no longer to be able to support the lifestyle you are currently in, well, it happens. And it is nothing to be ashamed about. By nature I am a caretaker, and I know that part of my self worth is tied to the fact that I can provide for my family. And recently when that has been threatened, I know for me I did make me feel ashamed. The important thing is we can not dwell on this, and the best thing we can do as a caretaker is to make a plan, and go for it. And that plan may be to file for bankruptcy.
At this stage bankruptcy can cause depression, its stressful and there will be a lot of things that will happen fast. The most important thing you can do for yourself, and your family is to make sure you are not slipping into depression. Take a look at these warning signs. And if you feel that you are becoming depressed than you should start to seek help immediately. And I know most of our thoughts will be I do not have extra cash to seek help, do not let that become a barrier, there are free resources in every community to get you the help you need. You can even call a depression hotline at anytime of the day or night to talk things out, it will help you. Again the most important thing you can do for yourself and your family in these trying time is to take care of yourself! Once your taken care of, then you can follow through on your plan to get your self back on your feet, and back to earning great credit.
I know this post is a bit out of the blue for a credit monitoring services website. I just feel that we have to keep the human element in touch with all the information that is out on the internet. Depression is a very serious issue, and one that is very treatable, you just have to take the first steps.
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