Thankfully, there are now several web sites that are there to help people like you with bad credit to find the fast personal loans that you need. When you have bad credit, the first thing that you should be looking for is a loan company that If your financial problems have reached the point where you do not see a way out and you feel as though you are drowning in debt, your best way out is through declaring bankruptcy. Filing may well allow you to get your finances back on track
Your Credit Report and Rating - Just Get ItYour credit history is one of the biggest factors to securing a home mortgage at the lowest interest rate and with best terms available. Why is it that we all know this fact but are hesitant to open that door and come face-to-face with our credit information?Perhaps our biggest hurdle is the impression that getting our credit rating will be a difficult and time consuming process. You may be surprised to know just how easy and quick it is to get a free credit report. That may have just sounded like a sales pitch - I assure you - it is not. It truly is fast and easy.You have seen the television commercials and online advertisements for numerous credit report online sites. Yes, these sites will help you get your free credit report but they will also try to sell you a credit monitoring service and other products. No doubt these sites are valuable tools for protecting your credit, but you can choose these services later. Let us keep it simple for now.Annual Free Credit Report ProgramHere is all you need to do. Go to AnnualCreditReport.com. This site was created and authorized by the three major consumer reporting agencies, Equifax, Experian and TransUnion. It is THE official government-authorized website supporting the Fair and Accurate Credit Transactions Act (a federal law passed in 2003) which allows you to obtain a free credit report every 12 months from each of the three reporting companies.How Easy it Really IsThe only information you will need to provide to AnnualCreditReport is:
- Full Name
- Date of Birth
- SSN
- Current Address
- Prior Address (if at current address less than two years)