Use My Visa Free

Truth About Free Credit Reports

We appreciate your desire to obtain a free credit report. The fact is that maintaining credit histories and providing reports to people is a business. No business that survives can give away its products for free.

Every web site providing "free" credit reports works with the three credit reporting bureaus. These sites can only offer you a brief review of your report. Most offer a free 3 day or 30 day view of your report from one of the three credit reporting agencies.

Creditors may not send reports of your credit transactions to all three bureaus. Thus, reports from each credit reporting bureau may differ. It's to your advantage to see your complete credit history in a "3-in-1" type report.

To see your full credit history from the three reporting bureaus you'll have to pay. To view your report over a period of time as your credit history changes you'll have to pay.

There is no way for any web site to provide your credit history outside of the three reporting bureaus. And the three credit reporting agencies are businesses; they charge for their services.

Guaranteed Visa Card

The HIPCASH Visa® Card is accepted at over 28 Million Locations Worldwide. At any location where you see the Visa® logo and can be used for making purchases over the phone, on the internet or in person.

The HIPCASH Visa® Card is accepted at over 800,000 ATM machines and you can obtain cash advances anywhere you see the Visa® and or CIRRUS® logos displayed.

Money can be loaded to the card 24 hours a day 7 days a week by visiting our web-site or calling our toll-free customer service line. We can also set up automated deposits to your card through transfers from your bank account or direct deposit from your paycheck

• Perfect for all your friends and family.
• Toll-Free Phone Support.
• Online and Offline Access.
• Take your card from Job-to-Job.
• Direct Deposit from your Employer.
• Low cost fees.
• Store your Money Safely.
• Easy to Purchase (POS).
• 24/7 ATM Access to Funds.
• No Credit Check or Bank Account Required
• No Security Deposits
• No Employment Verification
• Keep your Money safe - No more need for Money Orders or walking around with cash in your Pocket
• Pay your bills over the phone
• Set up Automatic Bill Payments from your Visa®
• Eliminate check-writing hassles
• Avoid late-payment fees
• Save postage costs and time
• You cannot overdraft the account. There are no late fees or interest charges.
• 24 X 7 On-Line Account Access

Get all the HIPCASH Visa details now!

Credit Report Scores - Computing Then

Your credit report scores are based on factors that appear in your credit reports:

• Bill payment history (Good: on time and for the full amount)
• Total outstanding debt (Good: non-mortgage loan payments less than 5% of gross income)
• Types of debt (Good: mortgage, car loans, Bad: high credit card debt)
• Length of credit history (Good: 3 or more years of on time payments)
• Credit inqueries (Bad: many rejected applications)

The Equal Credit Opportunity Act (ECOA) prohibits certain factors from being used in determining your credit report score:

• Personal details such as sex, marital status, age, race, national origin, or because you receive public assistance income
• Sources of income such as regular alimony, child support, or separate maintenance payments

The Equal Credit Opportunity Act provides actions for you to take if suspect unauthorized factors are being used to deny you credit.

If you've found this site useful, please link to it so that others can benefit. Use the following in your link:

Link text:	Credit Report Scores - See and Improve Them
Description:	Credit report scores affect your ability to get a loan, buy a home, and even get a job. Find out how to see and improve your score.
Link to:	http://www.credit-report-scores.us