What You Don’t Know About Your Credit

A 3 Agency Credit Report - Tri-Merged

While you can easily find the credit agencies online, even ‘free’ services, what you really need is a 3 agency credit report, aka a ‘tri-merged’ credit report.

There are three major credit agencies that most creditors and merchants report to; Experian, Transunion and Equifax.

Now each creditor of yours, credit cards, loans, even that T.V. store where you bought a T.V., report to the credit agencies.

However they ‘may’ not report to all 3 credit agencies, so each credit agency has a report on you that is a little bit, every once in a while a lot, different.

If you go to one of the major credit bureaus, you can order a report that contains just their information, or better yet you can get a 3 agency credit report. www.experian.com, www.transunion.com, and www.equifax.com
A 3 Agency Credit Report - Tri-Merged

Debt Management Begins With Paycheck Management

This is an exciting time of the year for many American consumers, as tax time approaches. No, most people are not too excited about filing their income tax return, but most people receive a refund each year, and this year…

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Is It Time To Get An Auto Refinance?

If you purchased a vehicle, but really the bank owns it, you may want to consider an auto refinance for your current auto loan.

There are reasons that you ought to consider in refinancing your vehicle, as there are many reasons that would make an auto refinance very beneficial to you.

First things first, perhaps you find that you have more debt than you planne, you bought things that weren’t in your budget, and now your monthly income is barely getting you through each month.

Let’s look into the different reasons that you should consider in refinancing your vehicle.

If you bought your vehicle a while ago and are paying a high interest rate on your auto loan then you could shop around for a refinance loan that would result in lower interest rates, and therefore lower monthly payments. Is It Time To Get An Auto Refinance?