Free tagged posts

FREE Christmas Card Verses And Quotes! FREE Credit Card Verses And Quotes! COMPLIMENTARY Verses You Need To Use!

When individuals make handmade cards for pals, whether for a birthday, xmas, and for some other explanation…they are sometimes at a “loss for words.” Should this happen for your requirements, here are some great friendship estimates from highly successful people…

This very first one could be perfect inside a card whilst the main verse:

” ‘Tis the person touch-in society that counts–the touch of one’s hand and mine–
Meaning more towards the sinking heart than shelter or breads or wine
For protection is finished once the night is o’er, and bread persists just every day
But the touch of hand and also the sound associated with sound
Survive into the heart constantly.”
–Spencer M. Totally Free

These beauties might be ideal regarding the address of a card to a pal:

“if you like an accounting of one’s well worth, count your friends.”
  –Merry Browne

“Friendship is a skill, and very couple of people tend to be born with an all-natural present for it.”
  –Kathleen Norris

“the only method to have a pal is to be one.”
  –Ralph Waldo Emerson

ArticlesBase.com certain does have some very nice things to offer…don’t they?

The following is an incredible verse to create inside a card to some one you are in love with or your spouse, people’re hitched:

“Love cannot comprise in gazing at each other, however in looking outward together in the same course.
–Antoine de Saint-Exupery

My name is dad Time, of www.FatherTimePublishing.com and I am a self-help blogger and speaker, and a writer of credit card verses.

Check out FREE Christmas Card Verses It’s possible to have and Use how you desire!

Once you make greeting cards for individuals, they always love them, in addition they mean much more than cards you get in the stores! People appreciate whenever you show just how much you worry with a card or something special!

At a lower price than the price of a shop bought card…I offer an eBook of Fabulous Friendship & prefer Verses that YOU can utilize all throughout every season! It includes 40 awesome passages from my pen, and 60 great estimates from famous people…you will cherish it, I guarantee it!

Have a great time making cards, giving cards, giving gift ideas, and enjoying life!

Numerous Blessings!

Dad Time will allow you to! You couldn’t SEE THE by Mistake or by Accident! Whether you Need an excellent ghost-writer for Hire! Or maybe you want his Daily Motivational email Service! Or simply a Powerful good-luck Amulet is exactly what you may need!

It Absolutely Was Meant To Be which you found this Message on ArticlesBase.com 

Dad has-been a posted writer for more than 33 many years, and He also has a wonderful on line SuperStore featuring many special and interesting things, including all the best Amulets, Psychic Readings via e-mail, Indian medication Bags, as well as other Powerful & Effective Mystical Items and good-luck Attracting precious jewelry! Do you wish to Earn MONEY Gambling?

Father’s awesome website is www.FatherTimePublishing.com in which he now offers an Awesome regular Motivational e-mail Service! You are able to sign-up for FREE for a limited time just!

More

Watch Dallas Mavericks vs Washington Wizards 2011 Games Online Free

Watch Dallas Mavericks vs Washington Wizards 2011 Games Online Free

Hello fellow sports activities fans – thanks for visiting this details article about watching Dallas Mavericks vs Washington Wizards on your computer or laptop. Right after missing Dallas Mavericks vs Washington Wizards opening day game since of the Rediculous Blackout guidelines, I have been reviewing the diverse techniques that we can enjoy live Dallas Mavericks vs Washington Wizards matches on my pc.

Watch Dallas Mavericks vs Washington Wizards NBA Live Game Streamcast

The only such avenue that I have been in a position to find so far is a program that will allow you to look at Dallas Mavericks vs Washington Wizards Game titles, and a lot of other sports on the internet. This can be a software product that provides ton’s of various channels to look at Dallas Mavericks vs Washington Wizards video games on your personal computer.

They’re listed effortlessly , to ensure that discovering, deciding on and selecting the video games we want to watch doesnt take too extended.

Together with the many unique channels for enjoy Dallas Mavericks vs Washington Wizards on your laptop or computer, there are sports activities channels that offer a lot more than just the video games -like interviews of players and coaches, standings and stats, and lots of team and player news as well. But there is even a lot more than just Dallas Mavericks vs Washington Wizards that you just can view on your own pc as well.

Watch Dallas Mavericks vs Washington Wizards NBA Live Game Streamcast

Personally, I juts wanted a way to make certain I could view my Dallas Mavericks vs Washington Wizards matches on my computer, becoming ready to look at so many other sporting events is actually just Icing on the cake.

Its like having a total Sports Entertainment Program at our fingertips and with us when ever we would like and wherever we go. All you require is really a laptop computer and an web connection and you might be all set to look at Dallas Mavericks vs Washington Wizards games in your laptop at all times.

Article from articlesbase.com

Find More Dallas Articles

More

NFL Football Streaming TV Online Free- Watch Live Football on SKY Sports News, ESPN, NBC, CBS and FOX Television- Over 3500 Channels

NFL Football Streaming TV Online Free- Watch Live Football on SKY Sports News, ESPN, NBC, CBS and FOX Television- Over 3500 Channels

You can watch NFL football streaming TV on the computer for free with a new software called the satellite digital TV package. This is a brand new package that offers you more than 3500 Streaming TV channels from 70 countries around the world. There are more than 720 TV channels streaming from the United States alone. You can download the pc TV software and use it to watch the 2010 NFL league football games streaming on pc TV. Learn how to watch NFL football streams free online here: Live NFL Football Free Streaming TV on Pc

NFL Football Streaming TV Online Free – Fact 1

Satellite digital TV software is one of the most trusted software since it does not come with any unwanted programs. The package is very professional and only includes the pc TV files only. This is unlike many of the other similar pc TV packages offered online which may contain adwares and malware that can slow your pc.

The software therefore has a very fast download process due to its light nature and the fact that it has no other unnecessary programs. The fast download makes it one of the most accessible pc TV softwares online and only takes 2 minutes to have on your computer or laptop.

NFL Football Streaming TV Online Free – Fact 2

It is amazing that you can have too many channels to watch on your computer that it can sometimes be confusing. Infact, you may need to save some few hundred channels in a favorites list which you can then be watching frequently.

Besides the NFL football streaming channels, you can also watch some of the rarest TV channels that you can never hope to watch in the normal TV networks. You will be able to watch news, movies, sports channels including sky sports news, episodes, documentaries, weather and much more.

NFL Football Streaming TV Online Free – Fact 3

You can decide to download a free copy of a media player to increase your control of sound and picture quality. The best free media players include windows mediaplayer, VLC, and real player which are all available on the internet for free download. You can just go to google and search for the word media player and you will have them lining up for you.

You can find more details on how to watch NFL football streaming games on your computer by finding more info on the satellite digital TV package. I personally would rate it at 9 out of 10 among the many others available online.

So, if you want to Watch Free NFL Football TV league Streaming Online Game Stream , go to the website and stream Free Football TV games on web online Click Right Here!! : Best Website to Capture Free Football TV Stream Online Game

So, if you want to Watch Free NFL Football TV league Streaming Online Game Stream , go to the website and stream Free Football TV games on web online Click Right Here!! : Best Website to Capture Free Football TV Stream Online Game

Article from articlesbase.com

Related Streaming Articles

More

Streaming HBO, ESPN, ABC, NBC, FOX, CBS and SKY Television on Computer for Free

Streaming HBO, ESPN, ABC, NBC, FOX, CBS and SKY Television on Computer for Free

How to Watch Streaming Live TV on Pc without Paying

You can watch streaming nfl hbo, espn, abc, nbc TV channels on the internet with the use of a software which is available on the internet instantly. If you are a fan of the nfl football games, then this software will help you watch the live streaming games on your pc. Most people that like the nfl league football are turning to this software so that they don’t miss any action in this year’s American nfl football action. You can activate your computer to start watching the streaming nfl, hbo, espn, cbs, abc, nbc, fox and sky TV channels here: watch free live Streaming American football league games on pc

Streaming Free Live Nfl, Hbo, Espn, Cbs, Abc, Nbc, Fox and Sky – Fact # 1

To be able to watch the streaming TV channels online, you will need to have a computer with a virtual memory of more than 500mb and a speed of more than 300 MHz. This allows your computer to stream the feeds from the internet faster and without the monitor hanging on you.

Streaming Free Live Nfl, Hbo, Espn, Cbs, Abc, Nbc, Fox and Sky – Fact # 2

This program has one of the fastest download processes which take less than 2 minutes. The software is cleans and does not come with any unwanted packages. Most of the other similar programs for pc TV may have adware which can slow down your computer. Beware of programs that look larger than they should really be.

Streaming Free Live Nfl, Hbo, Espn, Cbs, Abc, Nbc, Fox and Sky – Fact # 3

It is easy to use software which has arranged the 3500 channels according to the countries of original and then again according to the types of programs that are featured by them. You will find it very easy to use especially when you are looking to stream live football games online.

Streaming Free Live Nfl, Hbo, Espn, Cbs, Abc, Nbc, Fox and Sky – Fact # 4

Watching streaming hbo, espn, abc, cbs, nbc, sky and fox TV channels on the internet is very convenient since you don’t have to leave your work station to go looking for a TV set. This means you will not leave your work unattended to go watch a football game online. You also don’t have to fight for the TV remote unit anymore.

Streaming Free Live Nfl, Hbo, Espn, Cbs, Abc, Nbc, Fox and Sky – Fact # 5

This is the best software that I have seen for streaming live nfl football games online. It is cheaper than cable and much more convenient. Internet TV services are free and don’t come with any monthly fees at all. The only charge you pay is a set up fee of .95 which is a onetime only fee and that it; you get to watch all the 3500 channels for absolutely free forever. Cable TV on the other hand costs over 0 a month in monthly fees alone.

So, if you want to get the best quality and reliable website for Streaming free live television feeds on computer and watch free live Streaming American football league games on pc, you can use the same service I use to watch all television Sports, News & Movies, Click Right Here!!

So, if you want to get the best quality and reliable website for Streaming free live television feeds on computer and watch free live Streaming American football league games on pc, you can use the same service I use to watch all television Sports, News & Movies, Click Right Here!!

Article from articlesbase.com

More

Watch Free Live ABC, CBS, and FOX Streaming on Computer without Paying ?Watch 3500 Channels

Watch Free Live ABC, CBS, and FOX Streaming on Computer without Paying ?Watch 3500 Channels

Watching Free Live Abc, Cbs and Fox Streaming on Computer

Watching free live TV shows, nfl on the internet is possible using a simple software called the satellite direct TV package. You can watch free live nfl football games this year online using this package. It also comes with more than 3500 channels from around 70 countries. I have watched the 2008, 2009 nfl football league games using this package and its great. Most people that love watching football are turning to this package to be able to watch the games in private without sharing and to avoid missing some games due to work at the office. Find out how you too can watch the streaming live football online here: watch free live Streaming American football league games on pc

Watch Free Live Abc, Cbs, And Fox Streaming on PC – Fact # 1

To be able to watch the free live nfl football games on a pc, you need to have a stable internet service which does not keep on breaking down. You also need a speed of 128kbps to receive the football feeds online although 512kbps or 1mbps are also great speeds.

Watch Free Live Abc, Cbs, And Fox Streaming on PC – Fact # 2

You can watch live streaming nfl football and other shows online including documentaries, news, movies, sports, music, weather, kids TV, episodes, shows, soap operas, discovery channel, Hindi music and movies and much more. This means that your variety of channels is so wide that you will find it hard to choose among the 3500 channels. You will even find other pc TV channels that are broadcast in your own local language.

Watch Free Live Abc, Cbs, And Fox Streaming on PC – Fact # 3

To watch the free live ABC, cbs, and fox TV channels including the nfl football league, you need a computer with a speed of more than 300 MHz and a virtual memory of more than 500mb. This will allow your computer to download the pc TV feeds faster and without making the monitor hang from low memory. Most recent computers already have these features in them and you should be fine already.

Watch Free Live Abc, Cbs, And Fox Streaming on PC – Fact # 4

Watching live streaming abc, cbs, and fox for movies, news, nfl football games online is such an experience since you can travel and still be able to watch your channels from a laptop. You can download this package in a laptop and use it to travel and watch the streaming TV channels from any location in the world. This is because they are channeled through the internet which is available everywhere in the world.

Watch Free Live Abc, Cbs, And Fox Streaming on PC – Fact # 5

This is the best package for streaming live free nfl football games and hundreds of others shows online. It leads the other in clarity, affordability, professionalism, variety of channels, ease of use, easy of download and much more. It is a cheaper way to watch streaming abc, cbs, and fox TV networks compared to cable since internet TV is free of charge and does not have monthly fees. You may however have to pay a onetime only fee of .95; which is a onetime only charge and watch all the 3500 channels for free ever. Cable will on the other hand cost you more than 0 a month in fees only.

So, if you want to get the best quality and reliable website for Streaming free live television feeds on computer and watch free live Streaming American football league games on pc, you can use the same service I use to watch all television Sports, News & Movies, Click Right Here!!

So, if you want to get the best quality and reliable website for Streaming free live television feeds on computer and watch free live Streaming American football league games on pc, you can use the same service I use to watch all television Sports, News & Movies, Click Right Here!!

Article from articlesbase.com

More

Free Streaming Live 2010 NFL Football on Computer Stream CBS, NBC, SKY, ESPN, CNN, HBO, ABC, and Fox Free

Free Streaming Live 2010 NFL Football on Computer Stream CBS, NBC, SKY, ESPN, CNN, HBO, ABC, and Fox Free

You can watch the live streaming nfl football 2010 season for free online using a special software which comes with over 3000 channels from 70 countries around the world. I have used this package to watch the 2009 football season games for free online without a hitch and I plan to watch this year’s football and make a few copies of the good ones too. You will be able to watch many other programs online using this software including kids TV, educational television, movies, sports, news, discovery channel nat geo world and many more.

This software can enable you to watch all these channels even if you are not in your own country since the channels are broadcast through the internet. You will also be able to watch a much wider variety of channels than you can get from cable or satellite TV and at a far much cheaper cost since internet TV does not come with any monthly subscription fees at all. Find out how you too can watch live free streaming 2010 football and other games online here. Where you can Watch Free Live Streaming Television on Computer

Watching streaming live TV shows on the internet is very mobile and you can be able to watch the hundreds of channels even when you are travelling away from home. You can download this software on your laptop and use it to watch streaming TV from local and home channels online for free. You only need to have a broadband internet connection at your destination to be able to watch the streaming TV.

Watching TV from the internet is also a very convenient way to enjoy TV as you are working on your computer. You will be able to stream the live football feeds online for free on your computer at any time and watch any content that you want and from any place you wish. The pc TV window can be opened and dragged to a corner of your pc screen to watch the TV as you are working away on the rest of the monitor space.

You too can watch live streaming TV if you have an internet service with a speed of atleast 128kbps. The best internet to watch free streaming football games this year is a broadband connection. You can even have speeds of more than 512kbps or 1mbps which will actually download the free pc TV feeds faster on your computer. It is also required that your internet should be stable to avoid being disconnected when you are watching the free streaming 2010 football game online.

This is the best software that you will ever find on the internet for watching live streaming TV and football on a computer online. I can rate it at a high 9 out of 10 in the software to stream free nfl football online to pc category. I have used this same software without a hitch besides a small problem I had when I was downloading the software for the first time. It nevertheless is the best in ease of use, ease of download, affordability, variety of channels, quality of channels, clarity and much more.

Find how you can get this software and start watching free streaming 2010 nfl football games online live without paying fees; by clicking on the links at the end of this article here.

So, if you want to enjoy the best quality and reliable place Where you can Watch Free Live Streaming Television on Computer, you can use the same service I use to watch all TV Sports, News & Movies, Click Right Here!!

Read more information on how to watch online live streaming television feed on PC; Ways to Watch Free Live Streaming series games Television online for free .

Article from articlesbase.com

More Streaming Articles

More

TechFast: iPad 2, Twitter Not for Sale, Free March Madness Apps

TechFast: iPad 2, Twitter Not for Sale, Free March Madness Apps
Good morning! Here are some of today’s top tech stories so far. We’ll cover a few of these throughout the day but feel free to get a head start. Apple Launches iPad 2 Link: Apple In case you missed it, the iPad 2 is coming. It’ll be here March 11, starting at $ 499. Here’s Apple’s […]
Read more on Techland

Looking to cut cable bills? Online TV may help
Check out what some of the biggest online services have to offer.
Read more on The Houma Courier

More

Luminato Festival To Feature Free Joel Plaskett, They Might Be Giants Shows

Festival of the Atlantic
festival
Image by Secret Madeira
Festival do Atlântico. Annual competition fireworks display with music.

Luminato Festival To Feature Free Joel Plaskett, They Might Be Giants Shows
Luminato, the “Toronto Festival Of Arts And Creativity,” is going indie for its 2011 music program with a little help from artists like Joel Plaskett, Beast and They Might Be Giants.
Read more on ChartAttack.com

FESTIVAL FIRSTS FOR EWART
Aikman – heading to Cheltenham next month. James Ewart is set to have his first ever runners at the Cheltenham Festival when he saddles Aikman and Captain Americo next month.
Read more on Sporting Life

Arlington film festival celebrates kick-off by announcing poster contest winner
This October, Arlington will play host to its first international independent film festival. While the specifics of the Arlington International Film & Video Festival are still being worked out, festival organizers are hoping to provide residents with an opportunity to experience more than a dozen independent films from the United States, Canada, South America and beyond.
Read more on The Arlington Advocate

More

Tea Total Rockers, is it True? Watch our 3d Animation Rock Music Videos for Free!

Tea Total Rockers, is it True? Watch our 3d Animation Rock Music Videos for Free!

Britain sobers up – At the end of last year, beer sales in pubs fell by 10% – equivalent to 1.4 million fewer pints drunk in drinking establishments in the last three months of 2008, compared with the same period in 2007 – and thus a huge loss for Alistair Darling.

Even the cheap booze flying off the shelves in Tesco et al has seen a downturn – a 6.5% fall. The recession is well and truly here.

The British Beer & Pub Association (BBPA), which documents these things, is naturally very critical of the Government policy towards brewers and pubs – beer sales had reduced duty and VAT receipts by about £181 million since the last Budget in March – despite an 18 per cent rise in duty on beer last year.

CEO of the BBPA, Rob Hayward, said: “These figures highlight the extreme economic pressures hitting Britain’s beer and pub sector. Beer sales are sinking and many pubs are struggling to survive. Pub closures have escalated to nearly six a day. Unfortunately, Government tax policy is only making a difficult situation worse.”

It seems the main problem is mandatory code of practice imposed by the Crime and Police Bill giving pubs and extra financial burden of £300m in 2009.

One example of the struggle facing beer legends is highlighted by the Suffolk brewer and pub operator Adnams. Despite posting better results than most of it’s competitors, its volumes fell by 6% while its pubs had found trading in November and early December very hard work.

The Fair Pint campaign is calling for the scrapping of the beer tie that governs supplies.

Author: Blueford Ups

Distributed by: Redvers Downs Ltd

http://www.redversdowns.co.uk/

At the end of last year, beer sales in pubs fell by 10% – equivalent to 1.4 million fewer pints drunk in drinking establishments in the last three months of 2008, compared with the same period in 2007 – and thus a huge loss for Alistair Darling. For more details, please read the full article:

Article from articlesbase.com

Related Music Videos Articles

More

The Truth About “free” Credit Reports

The Truth About “free” Credit Reports

We set the record straight so that won’t happen. Text How many of us have looked at anything offered to us for “free”? Not me? Of course I have. In this day in age when gas prices are listed as “Arm” and “Leg”, providing health insurance for your family costs more than some mortgage payments and the cost of raising kids looks like a hockey stick pasted onto a graph, you bet I look at offers to save money.

Therein lie’s the problem. It seems like the vast majority of American consumers are desperate to cut costs, any costs, and will jump too soon at offers promising to do just that. Sometimes when you combine a cost cutting mentality with the importance of credit, not only to purchase the big ticket items important to us, but more and more to simply survive in this economy, desperation happens. Unfortunately, the marketers know this too. So, without a little education anyone can get confused and the likelihood of being taken advantage of increases significantly. The good news is that just a little education will save you plenty.

Take for example, the term “Free Credit Report”. It now ranks right up there with the ubiquitous, “new” and “improved”. “Free Credit Report” has become part of that lexicon of advertising buzz words that are absolutely meaningless to me. But for many, there is much confusion over this term. Why? I think mainly because it has been announced that federal law dictates we are all entitled to a free credit report on the front page of all the newspapers.

We know everyone wants a free credit report, which is why we started our site. People naturally want something that is mandated by law to be at no cost, is front page news and is so incredibly important to each of us if we want to purchase just about anything. We know people want their free credit report and because most all of us work so hard for our money, we think people deserve hearing the truth about the subject. That is why we even put a section on our page entitled, “The Truth About Free Credit Reports”.

So, is it not true? Yes, it is true, it’s just that the devil is in the details and the resulting confusion has been a bonanza for those seeking to cash in on the confusion. In fact, each of us in the good ole U. S. of A. is entitled to a free credit report. But, how do you get it? Where do you get it? Who is giving it to you? Why is it being offered for free? And most importantly, who cannot offer you one for free?

Who cannot offer a free credit report? Let’s start with the last one first because it shines a lot of light on the rest of the questions. Any company, web site or service that is in business for a profit and is not named Experian, Trans Union or Equifax is not able to provide anyone at any time with anything remotely resembling a credit report free of cost. Period. End of story. Got that? Further, there is one place set up on the web to get free copies of credit reports at no cost and it is: www.annualcreditreport.com . We’ll talk more about this site a little later but, other wise, caveat emptor, let the buyer beware.

How then are these offers being made? Look closely, the “Free” report is usually offered initially upon signing up for a service that charges your credit card each month for monitoring your credit. If you cancel the service just in the nick of time, before the charge is made to your card, you will get it at no cost. What a hassle! And the bet is you will wake up at least one, if not a couple or more months later with several charges to your card. You think these guys make foolish bets?!

Then what caused a free credit report to be offered on the front page of newspapers, who is providing them and how and where do I get one? Due to the importance of consumer credit history, identity theft and complaints from consumer rights groups about having to purchase a credit report in order to gain knowledge about the contents shown on individual consumer reports, even if it was reported inaccurately, a change was mandated.

The Fair and Accurate Consumer Trade Act (FACTA), a revision of the Fair Credit Reporting Act, provided for one credit report free of charge from the reporting agencies (Experian, Trans Union and Equifax) every twelve months, if and only if, you haven’t received a credit report in the previous twelve months. The consumer, by either mailing a written request to the three major credit reporting agencies or going to www.annualcreditreport.com one can obtain the free report if they meet the criteria. This program was and is being phased in to sections of the U.S. by the credit reporting agencies starting in the western states, with the northeastern states at the time of this writing still to come.

However, Pamela Yip of The Dallas Morning News writes that even this has not been without its problems.

“The Federal Trade Commission said Experian Information Solutions Inc., one of the three major credit bureaus, settled complaints that it “deceptively marketed ‘free credit reports’ by not adequately disclosing that consumers automatically would be signed up for a credit report monitoring service and charged .95 if they didn’t cancel within 30 days… . With the help of the Federal Trade Commission, the bureaus established www.annualcreditreport.com as the only authorized online source for consumers to get a free report under federal law.

While many consumers haven’t had any problem getting their reports, others say they’ve been hit with sales pitches for products and services from the credit bureaus or were diverted to imposter sites. The FTC said the company led consumers to its www.freecredit report.com and www.consumer info.com Web sites. Radio, TV, e-mail and Web ads promised free reports and “a bonus – free trials of a credit-monitoring service.”

The FTC said consumers “were assured that: ‘Your card will not be charged during the free trial period. However, valid credit card information is required to establish your account.’ ”

What the Web sites didn’t adequately disclose is that consumers would be charged the .95 annual fee if they didn’t cancel within 30 days, the FTC said.

“ConsumerInfo billed the credit cards that it had told consumers were ‘required only to establish your account,’ and, in some cases, automatically renewed memberships by rebilling consumers without notice,” the agency said.

As part of the settlement, the FTC required ConsumerInfo.com, an Experian company, to “give up 0,000 in ill-gotten gains.”

Experian also has agreed to provide refunds to consumers who purchased credit-monitoring products and ordered a free credit report between Nov. 1, 2000, and Sept. 15, 2003.

“It’s unfair and deceptive to promise consumers something for free and then trick them into paying for products they didn’t want in the first place,” said Lydia Parnes, director of the FTC’s Bureau of Consumer Protection.

“It wasn’t an attempt to mislead at all,” said Peg Smith, an Experian executive vice president. “We absolutely deny any wrongdoing.” She does acknowledge that consumers may have been confused.

“To the effect that our product offering has caused that confusion, we certainly regret that,” Ms. Smith said. “We encourage consumers to read the language in any disclosure on any Web site, including our own.”

The FTC also requires ConsumerInfo.com to state clearly that its free credit report offer isn’t related to the federal program.” http://nl.newsbank.com/nl-search/we/Archives?p_action=list&p_topdoc=21

The reality is that no one credit report or combination of three credit reports by and of themselves is sufficient to educate oneself about where you stand as a consumer in the eyes of a lender. Imagine a high speed race boat zooming across a lake at top speed without a steering wheel. Where it is going is a complete mystery but one thing is for sure, it will crash and crash quickly unless you get control. That’s right, you. Because without your credit scores and the knowledge about what they mean, how they were calculated or how a lender views them, you are headed for a crash.

No bank, credit card issuer, mortgage company, retail store or any other credit provider will grant you any item, service or product without looking almost exclusively at your credit scores and the average person has no idea what their scores are and even if they did, many if not most, wouldn’t know what they mean.

For example, most people don’t even know that repeated “pulling” of your credit reports by potential credit grantors lowers your scores by as much as four points per “pull”. You start “shopping” around for the best rate on a credit card by allowing each credit issuer to run a credit report on you and your score will take a dive. The difference between a 699 score and a 700 represents thousands and thousands of dollars in interest.

Often, credit issuers don’t make it perfectly clear that your credit history is being accessed when you respond to their offer for a new card over the phone. The call center sales representative also doesn’t explain and state clearly to you, that your credit history will show an “official inquiry” which counts against your scores whether you are accepted or rejected.

Most people don’t know that a maxed out credit card lowers their scores even if they pay on time every month. Many don’t know until it is too late that one late payment on one credit card will cause the interest rate charged to skyrocket not only on that card but any other cards that have a balance! Most also don’t know that a credit card balance showing less than thirty per cent of the available balance improves the score. Most don’t know that in calculating credit scores, your payment history counts as 35% of the score, amounts owed count 30% of the score, length of your credit history counts 15% of the score, new credit is 10% of the score and types of credit in use is 10%.

What is the truth about free credit reports? The truth, is that consumers need to read the fine print very, very carefully and get educated. The truth about credit reports in general is that only part of the story is being told by one. The truth, is that knowledge is power and without it your money is being taken from you, your buying power and therefore your future is being dictated to you rather than by you and that the cost of everything including insurance is based on your scores.

If asked for my advice to the average consumer? Worry less about getting a “free” report and more about the real cost of being ignorant regarding credit. Worry more about the immediate and long term costs of not taking control of what is reported on your credit report both the correct and incorrect. Gain some credit knowledge. It is easy to do and will literally save you a fortune. One thing is absolutely for sure, your money and future and your children’s future will be severely impacted by your credit. How, is up to you.

Brown Heys is the Managing Partner for http://www.tradenote.net, a web site providing online shopping, reviews of and links to some of the top web based credit reporting sites. A statement regarding the truth about free credit reports is found there as well as the link to http://www.tradeleads.at.

Article from articlesbase.com

More