Monthly Archives: March 2012

FTC Mandated Free Credit Report

By law, the Federal Trade Commission requires the three credit reporting agencies to provide free access to your credit report on an annual basis.  Unfortunately, these companies have used the promise of a free credit report as lure to charge consumers for additional financial products.  You’ve seen the commercials on television and the advertisements on countless webpages.  What should have been a free report ends up costing money if you go through the websites they advertise.  Don’t fall for it!

Via the FTC’s Website, you can find a link to the proper site:

annualcreditreport.com

After going to that site and starting the process, you will be asked for to fill out a form. After submitting that form, you will receive instructions on how the steps will proceed through the three credit reporting agencies (TransUnion, Experian, and Equifax).  Each site will ask a few questions pertaining to your banking history, financial history, and/or place(s) of residence to verify identity.  Once verified, the site will the present you with your credit report and you will be given the opportunity to print it.  You also have the opportunity to learn about correcting mistakes, disputing entries, etc. with that company.  When finished with a site, you click a button to let annualcreditreport.com know you are ready to proceed to the next agency.  After you’ve gone through all three…you’re done.  Please be aware that the sites can still try to sell credit score reports and other services to you BUT purchasing these products is not required to get your report.

Learn Just About Anything at Khan’s Academy

In the beginning, Salman Khan, was simply trying to help his cousin learn mathematics over the Internet.  Soon others began seeking his help and he started posting Youtube videos.  The popularity of his videos grew and seeing the large amount of people in need, he decided to create the Khan Academy website as a way to consolidate the lessons.

Starting from the topic of mathematics, Khan Academy has branched into the sciences and humanities.  The site is recognized as a valuable educational resource and has received several grants and other donations from notable sources.  You can go through some in-depth training in higher level mathematics, bank practices, or settle into some art history.  Available worldwide, all for free.