“Brought to you by the nation’s credit unions, this free and anonymous service will help bring your debt into focus. After answering a few questions about your income and current debts, a simple financial analysis will provide a wealth of information – debt to income ratios, debt payment schedules, and suggested personal action strategies to help keep your finances moving forward.” This website comes highly recommended by a former student who works as a financial counselor and has used the tool extensively. Try it out: http://debtinfocus.com/
Before you do, if you haven’t checked your credit report recently, get a free copy of your report from: https://www.annualcreditreport.com/cra/index.jsp This site WILL ask from your Social Security # which is necessary to access your credit report. This is the only safe, free website for obtaining your free credit report. Remember, you can get one free report each year from each of the three major credit bureaus; spread out your requests over the year to monitor your report for identity theft.
Credit Reports, Credit Scoring and Identity Theft
Learn how creditors decide to grant credit and what interest rate to charge, how to protect yourself from identity theft, and why you need to review your credit report.
FTC credit score brochure (July 2007)
Fair Isaac and Co.
http://www.fairisaac.com/
MyFICO
http://www.myfico.com/
Credit info Center
http://www.creditinfocenter.com/creditreports/scoring/
Credit Scoring module:
Debt in Focus Repayment Calculator
![Debt in Focus Repayment Calculator]()
Reviewed by jembe
Published :
Rating : 4.5
Published :
Rating : 4.5