For your protection, we must verify your identity before providing your credit report. When you order your free report here you begin your free trial membership in Triple Advantage Credit Monitoring. If you don't cancel your membership within the 7 day trial period, you'll be billed $12 each month you continue membership. The offer is not related to the free credit report you're entitled to under Federal law. To obtain that report go to

Home Loans

Avoiding Home Loan Debt with Credit Report Management

For most of us to buy a home, we must take out one or more home loans. Purchasing a home has many advantages; you can write off some of the interest on your taxes, you will accrue value in your home, and those individuals making payments on their home loans are not wasting money in renting or leasing property.

Before taking out home loans, it's important to know that your credit rating will be checked. Credit agencies, advocates, and experts all agree that it is important to have good credit in today's society. Why do the lenders check credit ratings? Because the higher the rating, the more likely that payments on debts like home loans will repaid on time, and in full.

In order to keep current on your credit rating, it's important to check your credit reports regularly. This also does the double duty of protecting you against identity theft, which can cause long-lasting damage to your credit.

If you discover that you have bad credit, it's important that you work to improve it. Try to consolidate your loans and/or debts into one payment, be sure to make those payments on time, and contact your creditors with letters of explanations.

But keep in mind that fixing a bad credit rating can take time and feel confusing or complicated. This is why credit monitoring services and credit counseling is so helpful today. By taking advantage of these services, you can rest assured that you're making the best decisions for your financial future.