I know i've posted about this before "YOUR CREDIT".

BUT.....bare with me....

I have recently took over a Platoon of Soldiers who are very young, when I initial counsel them I ask them do you know what your credit report says? Most have no clue what a credit report is, then I start telling them about how many times over the last few years "our" SSN's have been stolen.....

Then I talk about what credit is and how it can hurt you, even having NO credit can hurt you becasue you have not proven yourself to creditors....

Also, I have been in the customer service line at our PX over the last few weeks and Soldiers are getting turned down for the Star Card.....THE EASIEST CARD TO GET......

So why am I writting this.....To give a list of where you can check your credit, for free or free trial.....

Here they are....

Right now the best deal is privacymatters123.com 1 dollar for 1 week and then $24.00 a month....BUT when you call to cancel your trial period they will give you 1 YEAR for $24.00. You get all 3 credit reports and scores.

Others are below and there deals for what they have....

Also don't forget annualcreditreport.com a yearly free credit report...

Ok here is a list of sites I came across on one of the other boards for anyone that is interested in changing or finding a replacement to their credit monitoring needs. Enjoy!

TrueCredit from TransUnion
Trial period: 30 days (for TU report only)

What are offered:
- Unlimited access to all three credit reports and credit scores
- Notification within 24 hours of critical changes to all 3 reports
- $25,000 ID Theft Insurance at no additional cost
- No obligation, cancel anytime.
- Banning for excessive pulls.

Regular:
- $14.95 per month

ScoreWatch from Equifax
Trial period: 30 days free

What are offered:
- Continuous score monitoring and notification when a change in
FICO score impacts the interest rate you are likely to receive
- Daily monitoring of Equifax credit report with email notification of
key changes
- Two Free Score Power reports plus discounts on additional Score
Power reports

Regular:
- $8.95 per month

CreditExpert from Experian
Trial period: 30 days free

What are offered:
- Daily monitoring of your credit report and alerts of key changes alert
you of potential fraudulent activity.
- Unlimited access to Experian Credit Report and PLUS Score with paid
membership.
- Receive instantly personal credit report and credit score online

Regular:
- $9.95 per month
- One-time purchase: 3-bureau credit report and a credit score for
$34.95, Experian credit report and PLUS Score for $14.50

ScoreWatch from MyFico
Trial period: 30 days free

What are offered:
- Credit monitors important changes to your FICO score and Equifax
credit report
- Alerts when important changes are detected

Regular:
- $89.95 annual fee

IdentityMonitoring from Citibank
Trial period: 30 days free

What are offered:
- Credit Monitoring every business day to keep track of your credit file
activity
- Alerts when there’s certain activity, allowing you to detect fraud
- Credit report and score free with enrollment
- 3-in-1 credit Report, score and monitoring access at no additional
cost
- Reimburse up to $25,000 of eligible identity theft recovery expenses

Regular:
- $12.95 per month

CreditKeeper from HSBC
Trial period: 30 days free

What are offered:
- Unlimited access to your credit reports and score
- Daily automated credit monitoring to alert you to changes on your
credit reports

Regular:
- $9.95 per month

CreditSecure from American Express
Trial period: 30 days free, for AMEX cardmembers only

What are offered:
- Unlimited access to 3-bureau credit report and Credit Scores from
all 3 bureaus after the trial period
- Daily monitoring of all three credit reports with an e-mail alert when
critical changes are detected
- Identity Theft coverage policy for up to $5,000 per occurrence
- Track your score each month with Experian PLUS Score Trending

Regular:
- $11.99 per month

IdentityGuard from Costco
Trial period: None

What are offered:
- 3-in-1 credit report & 3 credit scores
- 3-bureau credit monitoring & alerts
- Monthly credit report & score

Regular:
- $9.49 per month for Gold Star members and $7.49 per month for
Executive members

PrivacyGuard
Trial period: $1 for the first 2 months

What are offered:
- Credit report from 3 credit reporting agencies
- Credit score instant access from 3 credit reporting agencies
- Daily monitoring of credit
- Up to $10,000 reimbursement for certain expenses you incur if your
identity is stolen

Regular
- $129.99 annual fee
- Single-bureau credit report for $9.99, three-bureau $34.99

PrivacyMatters
Trial period: 7 days free

What are offered:
- Unlimited to 3-in-1 credit report
- Triple credit scores, showing all three credit scores from the
national credit reporting bureaus
- Triple bureau credit monitoring with automated e-mail alert
whenever new activity that may affect your credit report or credit
score occurs

Regular:
- $29.95 per month
- One-time purchase of 3-bureau credit report for $29.95

Identity Protection from Chase
Trial period: None

What are offered:
- Unlimited access to all three credit reports and credit scores
- Notification within 24 hours of changes to all 3 reports
- $10,000 ID Theft Insurance at no additional cost

Regular:
- $11.99 per month

Identity Protect from National City
Trial period: $1 for first 30 days (not available to New York residents)

What are offered:
- Unlimited access to your individual triple bureau credit report 24
hours a day, 7 days a week
- Daily online monitoring with weekly activity alerts delivered to your
email address from TransUnion -- a mailed option is available
- Unlimited access to your personal credit score from TransUnion (a
FAKO likely)
- Recovery counseling and identity restoration service
- Up to $25,000 of Identity Fraud Expense Coverage at no additional
cost to you

Regular:
- $8.95 per month or $14.95 per month for you and your spouse

Promo Codes:
- 766318 to enroll yourself
- 766319 to enroll you "and your spouse" (but i have a feeling this could be any second person)

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CH-47 SI

They must find it difficult...

Those who have taken authority as the truth, rather than truth as the authority. --Gerald Massey

Here is another site if you want to see what your actual FICO scores are.........FICO is what LENDERS use to give you credit........FICO are your TRUE SCORES other's just give you what I call FAKO scores...

FICO charges alot but like I said they are what credators use, and this has a discount code...

www.myfico.com
If you purchase Fico's there is a promo code mw01 saves you 20%

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CH-47 SI

They must find it difficult...

Those who have taken authority as the truth, rather than truth as the authority. --Gerald Massey

I've tried accessing this site earlier in the year and it said you have to be in the states to do it. If I try it from a computer on base will it give me the same answer?

No, that site will not accept a overseas IP address. Their should be a form that you can download from that site and have to send it snail mail.

I sent mine snail mail and Experian said they needed more proof that I am me....

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CH-47 SI

They must find it difficult...

Those who have taken authority as the truth, rather than truth as the authority. --Gerald Massey

Chuck, the chapel here at Humphreys and also Yongsan offers a class called Financial Peace University. It's a financial program by a guy named Dave Ramsey. You may have heard of him, he has radio show and he recently started doing financial commentary on Fox. Anyway, it's a 13 week video class that teaches how to get of debt, how to save for emergencies, retirement, and college, understanding credit, investments, insurance, mortgages, and real estate and even how to bargain for a better price on something. It's normally a $200 class but the chapel pays for everything. We just finished taking the classes and I highly recommend anyone to take it, especially young soldiers.

It is a religious based program but it is not preachy or over zealous in pushing religion. The most he does is quote a Proverb every once in while. My favorite was "The rich rule over the poor, and the borrower is slave of the lender." The next class is in January, when you counsel your soldiers you should recommend them take this class.

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There's No Toilet Paper on the Road Less Traveled.

I tried to access it from the education center and the library here on base and couldn't. There is a phone number you can call 877-FACTACT.

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There's No Toilet Paper on the Road Less Traveled.

If one person writes the checks on one account, why would anyone want to worry about a credit score? Anyone who has more than two credit cards deserves what they get. We have two, and only use them in case of emergency.
Two people with access to one account is asking for trouble! Don't do that. Give a percentage to your spouse monthly, if you must, and keep your checking accounts separate. If one of you runs out too soon, that person must explain it to the other. Keep the maximum amount available on your credit cards at a figure both agree upon, maybe $2000. Enough to get to a relative's house in an emergency.

As much as I agree with what you've said, you were brought up during a time when money "ment" something, "credit" was around but not as it is today. You understand money Mr. Joe...this younger generation does not.

Creditors, see a Military person and say "come in here and you can take this $3000 home stereo home with you right now".

The next creditor does the same thing. And it goes on and on until the the Soldier is so far in-debt he is writting bad check the day after payday.

Oh.... and I have not written a check in several years.....Debit card only... Bills are paid through USAA Bill web-pay.

I agree also with only having 2 credit cards, Most pepole now a days have 5-6, becasue again the creditor says you are "pre-approved" and all the Soldier see's is "PRE-APPROVED" he does not look at the 29% intrest....

This thread is just to bring "light".....it's not about a credit score unless you are buying a car, house or something like that.....

Most people do not even know they have had "Identy theft" until they go to buy a major purchase or they recieve a letter from a collection agency saying they owe money......

__________________
CH-47 SI

They must find it difficult...

Those who have taken authority as the truth, rather than truth as the authority. --Gerald Massey

Most credit card companies/ banks are now offering this service for free or for a small fee to their customers. If you have a credit card, as almost everyone does today, you can access your card account on line to get the information. My amex card account offered the service for a small fee but my card account from washington mutual gives you your fico score and other credit information for free at their web sight. Cheers!

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Turk Quid Pro Quo

The Stars and Stripes had an article today about not being able to access annualcreditreport.com. They gave this website to download the request form. www.ftc.gov/bcp/conline/include/requestformfinal.p df

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There's No Toilet Paper on the Road Less Traveled.