How to receive all 3 credit reports free (no credit card required)

There are constantly ads telling us to get our free credit reports and we quickly discover most of them are not really free. You can avoid that problem by using this information.

Make sure it's free!

Chances are that you have seen advertisements on television, on the internet or heard on the radio about free credit reports. Chances are that these advertisements are offering you the potential to obtain your credit report free by selling you some type of service and offering the credit report as a "bonus".

While this method of advertising free credit reports is generally legitimate, there is no need for any consumer to pay for or purchase services that provide them with a free credit report. The Consumer Protection Laws offer all consumers the ability to obtain their credit reports free of charge under two specific circumstances. These are:

  • Annual credit report - Every consumer is entitled to receive one (1) free annual credit report from each of the three credit reporting agencies on an annual basis;
  • Rejection from any company - For consumers who have been turned down for a loan, credit card or been otherwise informed their credit was reviewed and they were rejected for a job, apartment or other services are entitled to a free copy of their credit reports.

Getting started

Before you request your free credit report, you will be required to have some basic information available. Personal information includes name (plus maiden name where applicable), current address (and prior address if less than 2 years), telephone number and employer name.

Requesting via Internet

To request your free annual credit report online, consumers should go to the website that was set up by the credit reporting agencies called "Annual Credit Report". This is the only legitimate site for claiming your free annual report.

Individuals with visual impairments may request their free annual credit reports in Braille, Large Print or Audio Format by telephone, toll free, 877-322-8228

Application process

All users will first have to select their state from the drop down box on the main page. Once this data is submitted, you will be taken to a second screen which appears in the manner you see on the side image.


Making the most of Social Networking: Twitter Tips and Tricks

Social networking was originally thought of as a place to keep up with friends, family and co-workers. Today however, social networking is becoming a marketing phenomenon for business owners, website owners and article writers.

Proper use of social networking sites can help drive new traffic to a website, get more regular readers, help increase earnings from page views on your blog and can even help you land a new job.

According to Alexa, 4,612,891 sites link link to Twitter and more than 30 percent of the traffic on Twitter is generated from the United States. This same traffic reports show that over a three month period ending 04/10/2017 Twitter has had an increase in traffic exceeding 27%.

With these types of numbers, there are numerous reasons why you should be active on Twitter for promotion purposes. Let us walk through how to get started on Twitter.

Getting started on Twitter

Open Twitter account

Starting your Twitter account is a simple process. Simply log into Twitter and sign up. You will need a valid email address and a userid. If you use a pen name to write you may want to consider using it as your Twitter username.

Write your background

Fill in useful information about things you want people to know about you in your Twitter profile. Do not forget to link your other social media page to your Twitter account profile.

Personalizing Twitter

Personalizing your Twitter account is a great idea so that you can be identified. You may use a photograph or you may use an icon or other images as you deem appropriate. You also have the opportunity to change your background by going to "settings" "design" where you can select existing layouts or upload your own.

Finding followers

When you have your Twitter account set up and customized to your satisfaction, you are now ready to begin finding followers. The easiest way to do this is to find someone you know first.

Send your first tweet

Sending your first tweet on Twitter is simple! Type in your message (140 characters or less) directly into the dialog box and press the "tweet" button. You've now sent your first tweet!


5 steps to improve promotional campaigns in Twitter

According to Wikipedia a promotional campaign is defined as "An advertising campaign is a series of advertisement messages that share a single idea and theme which make up an integrated marketing communication (IMC). Advertising campaigns appear in different media across a specific time frame." Therefore, those who are considering how to improve promotional campaigns on Twitter should keep these five steps in mind:
1. Series of advertisement messages
A series of messages means that there should be a similar message in the advertising message. Series as defined by Princeton is "similar things placed in order or happening one after another...". Hence placing a similar message across several tweets will help a business get their message across to their audience. An example of this would be "free information about freelance writing", "freelance writing information for free" and "finding freelancing information free". These messages are all similar and could be considered a series;
2. Finding the relevant keywords
Once a business has determined what their message is going to be, they must locate the relevant keywords. In the example shown above, chances are that there are opportunities for several relevant keywords including free, freelancing, freelance writing and information about freelance writing. The keywords all relate to the campaign and may be used throughout the campaign;

Are there any real online jobs out there?

Many who were previously employed have found their unemployment benefits exhausted in spite of numerous extensions to benefits by Congress. This set of unfortunate circumstances has helped contribute to the number of people who are turning to the internet as a means of earning additional money. Sadly, it has also contributed to the number of unscrupulous people who take advantage of them. This leads many people to wonder if there are any real online jobs out there. The fact is, there are online jobs that are legitimate and in some cases can turn into full time careers provided that the employee has the required skills.  The challenge is finding these jobs.

Freelance sites

Although finding an online job through a freelance site can be challenging, there is far less chance to be taken in by an online job scam.  Most online freelance sites like Upwork protect those who register by having checks in place that help them weed out fraudulent job offers. This may include flagging capabilities by community members as well as quality teams who verify job offers.

Writing sites

Writing sites for beginners include sites like Blogmutt, Article Document and CrowdCloud. However, more seasoned writers can also do well on sites like Blogmutt, Writer Access, Constant Content and Article document. Whatever you do, do not pay for writing opportunities; there are plenty of sites that offer free membership in return for a portion of your earnings.


How to deal with collection agencies

Knowing your rights is very important

Credit collection companies make money only when you begin paying off old debt. However, not all collection agencies operate within the guidelines set up by the Fair Debt Collection laws that protect consumers.
Collection agencies will generally call you one (or more) times daily, and this practice borders on harassment. You have every right as a consumer to protect yourself from this type of practice. You should write to collection agencies and request they not contact you except in writing.
Collection agencies do not want you to know what rights are afforded you as a debtor. Many will use fear tactics including threatening legal action, threatening jail time and threatening to have your wages garnished.
Make sure that you understand your rights under the Fair Debt Collection rules. Individual states may also offer additional protection to consumers. Before you return a telephone call to a credit
collection agency, make sure that you fully understand your rights under both your individual state laws and federal law