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Get Your Free Credit Scores

Use this handy credit score comparison chart that automatically displays the most popular and highest ranking free credit score offers on the net. (Low ranked offers don’t get displayed). These credit score trial offers are really awesome because in addition to seeing your credit files, you get to see your credit SCORES. That’s the number you usually don’t get to see when you apply for an annual credit report or a free credit report gov. But that’s the “magic number” you really wanna see. It’s the number that lenders, banks, mortgage brokers, credit card companies, and pretty much anyone who’ll provide you with a loan or financial credit will use to approve (or deny) your loan request, and/or to set your loan interest rates.

Free Credit Score Comparison Chart
Name Ratings Credit Scores Received Credit Bureaus Monitored Trial Period Other Benefits

7-day Free Credit Scores from All Credit Bureaus. 3 Bureau Monitoring.

7-day Free Credit Scores and 3 Bureau Monitoring

Single Credit Score Experian
7-day Free Credit Score and 3 Bureau Monitoring

TransUnion Experian
7-day Free TransUnion Score and 3 bureau credit monitoring

source: freescorereportgov.com

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Agspring Selects INTL FCStone Inc. for Commodity Market Intelligence

Leawood, Kansas (PRWEB) September 19, 2014

Agspring, a leading manager of agricultural supply chains for grains and oilseeds, today announced that it has selected INTL FCStone Inc. as a key resource partner to provide comprehensive world-class risk management services for all Agspring operations.

Agspring maintains decentralized operations, relying on subsidiaries and local operating companies to know their growers and geographies while seeking broader merchandising opportunities with increasingly national and global trade flows. INTL FCStone’s market intelligence and global viewpoints will be a vital new resource for Agspring management to nimbly manage essential supply chains.

Agspring will be able to leverage INTL FCStone’s comprehensive array of products and services, including exchange and OTC execution, clearing services and market intelligence. The company currently handles farm-first grain merchandising for crops such as wheat, corn, soybeans, and rice and will be able to use INTL FCStone resources to enable risk management; global merchandising and currency management; swaps; repos and OTC commodities transactions.

Additionally, Agspring subsidiaries such as Big River Rice & Grain and Thresher Artisan Wheat will be able to facilitate growers directly interfacing with INTL FCStone experts to provide timely counsel about market dynamics and wider market implications.

Agspring President Brad Clark said, “Aligning with a highly respected partner such as INTL FCStone is a vital step as we expand our markets, capabilities and offerings.”

“We’re pleased to have the opportunity to partner with Agspring. Their innovative approach to maintaining agricultural supply chains demonstrates what a progressive company they are and we look forward to helping them serve their customers with the scope of services offered by INTL FCStone,” said Mike O’Dea, a risk management consultant with INTL FCStone’s subsidiary FCStone, LLC.

About Agspring

Agspring combines entrepreneurial teams, essential agriculture supply chains, and superior capital partners to feed our changing world. Deep equity and credit relationships provide Agspring a solid platform for capital improvement and expansion. Agspring maintains decentralized operations and puts leadership teams in place who desire to grow into new markets including grains and oilseeds; livestock feed ingredients; and consumer food ingredients.

About INTL FCStone Inc.

INTL FCStone Inc., including its subsidiaries, is a leader in the development of specialized financial services in commodities, securities, global payments, foreign exchange and other markets. Our revenues are derived primarily from financial products and advisory services that fulfill our clients’ real needs and provide bottom-line benefits to their businesses. We create added value for our clients by providing access to global financial markets using our industry and financial expertise, deep partner and network relationships, insight and guidance, and integrity and transparency. Our client-first approach engenders trust, and has enabled us to establish leadership positions in a number of complex fields in financial markets around the world.

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Theres an App for That: 70 Percent of Americans Utilizing Smartphones to Manage Money

Foster City, Calif. (PRWEB) September 15, 2014

Paying bills plus checking account balances are accessible virtually anywhere at the touch of the consumer’s finger, because of smartphone technologies plus sites or applications optimized for the mobile consumer. Are Americans embracing this efficiency? According to a unique study from WisePiggy.com – the free credit monitoring site – the answer is a resounding yes, with virtually 70 % of respondents suggesting they’ve done at smallest 1 banking task about a smartphone.

Here are the best jobs complete about a smartphone with all the percentage of respondents whom have done every action about a device:

1.    Pay a bill: 38.25 percent

2.    Check a checking account balance: 36.3 percent

3.    Check a credit card balance: 28.65 percent

4.    Receive account informs through text: 23.7 percent

5.    Redeem credit card rewards: 15.7 percent

6.    Research a hot credit card: 13.15 percent

7.    Check credit score: 11.95 percent

8.    Track spending plus financial goals: 11.4 percent

9.    Apply for a credit card: 10.45 percent

10.    Check credit report: 7.95 percent

11.    Accept repayments (like Square or GoPayment): 6.9 percent

While 77.68 % of guys mentioned they had selected their smartphone to do at minimum among the above jobs, just 60.74 % of ladies had completed one-such action. But, the most commonly known jobs showed a small gender gap, with ladies more probably to check a checking account balance (36.66 % to 35.94 for men) plus virtually because probably to pay a bill utilizing their device (34.97 % to 41.54 for men).

“People are more dependent about their smartphones than ever before, thus it makes sense which they are managing their finances with them too,” mentioned Loryll Nicolaisen, managing editor of WisePiggy.com. “Even though more guys state they’ve completed financial jobs about their smartphones, ladies found on the go are utilizing their smartphones to expedite popular jobs. As more banks plus sites like WisePiggy.com create banking jobs simple to do about cell phones, use will just rise.”

When it comes to total administration of their bank accounts, Americans like the ease of development over conventional techniques. The following are the best needs for managing financial services:

1.    Computer – 63 percent

2.    Bank Branch – 16.60 percent

3.    Mobile Phone – 14.85 percent

4.    Mail – 5.55

The full analysis of WisePiggy.com’s study is found here: https://www.wisepiggy.com/credit_tutorial/credit_score/smartphone-can-be-a-valuable-finance-tool-if-you-know-how-to-use-it.html


OP4G surveyed 2,000 Americans about behalf of WisePiggy.com.

About WisePiggy.com

WisePiggy.com provides simple, quick plus free solutions to customers seeking to track their credit score plus result in the almost all of their revenue. WisePiggy.com has customers free access to their TransUnion credit score. The website moreover qualities income administration tricks plus tools, including the distinctive WisePiggy Report Card, a one-of-a-kind tool to guide customers to a better credit score. This fresh site joins an award-winning portfolio of individual finance websites beneath the QuinStreet, Inc. (NASDAQ: QNST) brand – among the biggest Internet advertising plus media firms inside the globe. QuinStreet is committed to providing customers plus companies with info they require to analysis, discover plus choose the treatments, services plus brands which ideal meet their requirements.


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The Home Loan Arranger, Jason M. Ruedy, Provides Tips on Improving Credit Scores Before Applying for a Mortgage

Denver, Colorado (PRWEB) September 10, 2014

Denver Mortgage Banker Jason M. Ruedy, also known as The Home Loan Arranger, is on a mission to help as many people as possible refinance their current mortgage or obtain a purchase loan before mortgage interest rates rise. With interest rates still sitting at record low levels, Mr. Ruedy believes that now is the best possible time to either refinance or apply for a new mortgage. However, the lowest available mortgage interest rates are usually given to individuals with the highest credit scores. Therefore, Mr. Ruedy offers advice on how to raise a credit score prior to applying for a refinance or new mortgage.

On August 5, 2014, RealtyTimes, a website dedicated to providing real estate news and advice published an article entitled How to Improve Your FICO Scores Quickly. The article focuses on the fact that now is a great time to refinance or apply for a purchase loan – but mortgage lenders focus on FICO scores, so it’s important for potential borrowers to improve their scores as quickly as possible before attempting to refinance or apply for a new loan.

The article lists several dos and don’ts for individuals attempting to quickly raise their credit score. Some examples of the published tips include: keeping existing credit cards open, not maxing out or consolidating credit card accounts, not transferring transfer credit card balances, not changing change jobs right before applying for a mortgage, paying bills on time, paying down debt, and shopping around for the best possible mortgage terms from multiple lenders.

According to The Home Loan Arranger, there are several other methods not listed in the RealtyTimes article that can be used to try and quickly raise a person’s credit score. These methods include:

Reviewing your credit report, spotting errors, and disputing all errors until they are corrected.
Requesting that your credit limits be raised.
Avoiding the establishment of new credit cards, lines of credit, or other types of debt too quickly.

“As a mortgage lender who has been in this business for more than two decades, I’ve seen first-hand how high and low credit scores can affect the mortgage interest rate offered to potential homebuyers. If anyone is thinking about either refinancing their current mortgage, or applying for a purchase loan, my advice is to plan ahead. Make sure to get your credit score as high as possible before applying for a loan. Don’t wait until you’re half way through the application process before you start worrying about how you’re going to raise your score so you can obtain the best possible interest rate.” – Jason M. Ruedy, The Home Loan Arranger

About The Home Loan Arranger:

Mr. Jason M. Ruedy, also known as The Home Loan Arranger, has 20+ years of experience in the mortgage business. His company was built around the crucial principles of hard work, discipline, and determination. The Home Loan Arranger evaluates client applications quickly and efficiently and structures loans with the best possible terms. Mr. Ruedy is successful in achieving loan closings for clients while meeting their highest expectations. Jason M. Ruedy is ranked #2 in the state of Colorado by Scotsman Guide, which is the top leading resource for mortgage originators.

For media inquiries, please contact Mr. Jason M. Ruedy, “The Home Loan Arranger”:

The Home Loan Arranger

512 Cook St #100

Denver, CO USA

Phone: (303) 862-4742

Toll Free: (877) 938-7501


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Amidst Onslaught of Data Security Breaches at Retailers, ACCC Offers Victims Step-By-Step Guidebook about How to Recover

Boston, MA (PRWEB) September 05, 2014

In latest months the retail industry has experienced an onslaught of information safety breaches, placing millions of customers in danger of becoming victims of identity theft. What’s worse is the fact that according to a latest online study by American Consumer Credit Counseling 41 % of respondents are not confident which they learn what to do to safeguard themselves when their info has been compromised – a risk which can confirm costly; credit card plus debit card scam instances inside 2012 lead to losses totaling $ 11.27 billion because indicated by Cardhub.com.

To enable customers reduce the damage, nationwide nonprofit American Consumer Credit Counseling has introduced an “Identity Theft Checklist,” a step-by-step guide for customers about what to do and just how to safeguard themselves from financial damage when their identity has been stolen.

“Identity theft has become a nationwide epidemic with millions of Americans’ individual plus financial info stolen within the systems of main businesses like Home Depot, Yahoo, Target plus Neiman Marcus,” reported Steve Trumble, president plus CEO of American Consumer Credit Counseling. “Should you do discover that the confidentiality plus safety have been violated, always take the required measures to guarantee which the thieves never destroy a credit score plus financial future.”

According to the Identity Theft Resource Center, the total quantity of breaches tracked from 2012 to 2013 have dramatically improved by 25 %, that is the cause for the extreme sixty-four % of American customers which no longer trust stores with their financial info based on the American Consumer Credit Counseling study.

If we have misplaced a driver’s license, credit card, debit card, or social safety card, or you’re among the millions of customers affected with a retail information breach, we may be in danger for identity theft. ACCC’s “Identity Theft Checklist” can aid we type by the methods in the event you are in danger or have been a victim.

1.    Contact every of the 3 credit reporting agencies – Equifax, Experian, plus TransUnion – plus ask to spot an identity theft alert about the reports.

a.    Frequently should you are a victim of the large-scale safety breach including the 2007 TJX Corporation or 2013 Target breaches the corporation at mistake can offer 1 year of free monitoring at no expense to we.

2.    Contact a bank plus lenders. You are able to report stolen/missing cards, in addition to any fraudulent activity about a statements. You are able to also close/freeze any accounts which have been tampered with.

3.    Contact the Federal Trade Commission. File a problem with all the FTC and you may obtain a document verifying you are the victim. Then, complete the ID theft affidavit.

4.    Contact a neighborhood authorities department. File a report with surrounding police. The identity ought to be treated like any additional stolen property. Document plus report the theft to start the research. Get a copy of the report because evidence for re-securing the identity plus removing the fraudulent charges.

“The most commonly known method which thieves utilize stolen info is to open a credit account or perhaps a bank account,” added Trumble. “By phoning every credit reporting agency, you are able to assure which the funds is protected plus which any fraudulent accounts beneath a name is flagged before they could unjustly ruin a credit score.”

For more info about Identity Theft please see the Education section of ACCC’s website: http://www.consumercredit.com/financial-education/identity-theft.aspx    

ACCC is a 501(c)3 business, which delivers free credit guidance, bankruptcy guidance, plus housing guidance to customers nationwide inside need of financial literacy knowledge plus cash administration. For more info, contact ACCC:

    For credit guidance, call 800-769-3571
    For bankruptcy guidance. call 866-826-6924
    For housing guidance, call 866-826-7180
    Or see you online at ConsumerCredit.com

About American Consumer Credit Counseling

American Consumer Credit Counseling (ACCC) is a nonprofit credit guidance 501(c)(3) business focused on empowering customers to achieve financial administration plus debt relief by knowledge, credit guidance, plus debt administration solutions. In purchase to aid customers reach their objective of debt relief, ACCC offers a range of free customer individual finance resources about a range of subjects including budgeting, credit plus debt administration, student financing, homeownership, identity theft, senior living plus retirement. Consumers may use ACCC’s worksheets, videos, calculators, plus website articles to result in the ideal potential decisions regarding their financial future. ACCC holds an A+ rating with all the Better Company Bureau plus is a associate of the Association of Independent Consumer Credit Counseling Agencies. For more info or to access free financial knowledge resources, log about to ConsumerCredit.com or see TalkingCentsBlog.com.