From the U.S. Treasury Dept. Explains how to obtain free credit reports from the credit bureaus. Also explains how Fraud Alerts work and how to activate them.

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Identity theft is a serious crime. It occurs when your personal information is stolen and used without your knowledge to commit fraud or other crimes. Identity theft can cost you time and money. It can destroy your credit and
ruin your good name.
Deter identity thieves by safeguarding your information.
■ Shred financial documents and paperwork with personal information before you discard them.
■ Protect your Social Security number. Don't carry your Social Security card in your wallet or write your Social Security number on a check. Give it out only if absolutely necessary or ask to use another identifier.
■ Don't give out personal information on the phone, through the mail, or over the Internet unless you
know who you are dealing with.
■ Never click on links sent in unsolicited emails;
instead, type in a web address you know. Use firewalls,
anti-spyware, and anti-virus software to protect
your home computer; keep them up-to-date.
Visit OnGuardOnline.gov for more information.
■ Don't use an obvious password like your birth date,
your mother's maiden name, or the last four digits
of your Social Security number.
■ Keep your personal information in a secure place
at home, especially if you have roommates, employ outside help, or are having work done in your house.
Defend against ID theft as soon as you suspect it.
■ Place a "Fraud Alert" on your credit reports, and review the reports carefully. The alert tells creditors
to follow certain procedures before they open new accounts in your name or make changes to your existing accounts. The three nationwide consumer reporting companies have toll-free numbers for placing an initial 90-day fraud alert; a call to one company is sufficient:
Equifax: 1-800-525-6285
Experian: 1-888-EXPERIAN (397-3742)
TransUnion: 1-800-680-7289

-FTC.gov

Duration : 0:2:7

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Duration : 0:3:12

What really happens when you use freecreditreport.com?

This was for a contest to either cover one of the songs from the commercials or write your own jingle. Being that this isn't very flattering to the website, I bet I won't win.

Here are the lyrics, by request:

I thought that I should check my score at freecreditreport.com
after seeing that guy explain to me all the things that could go wrong
but I didn't read the fine print and when a bunch of time went by
I saw that every month they'd charged my card about $14.95

so now I'm back in debt, that's what I get for thinking it was free
and even now my pet turtle just can't stand the site of me

I can't afford expensive drinks so cheap ones will suffice
but now I'm all hung over after drinking Natty Ice
online everyone's un-friended me, even that guy Tom
all because most of my money went to freecreditreport.com

so now I'm back in debt, that's what I get for thinking it was free
I didn't know it's legal to intentionally mislead

my lights have been shut off and my sink has now run dry
and all that's left to do is sit alone in the dark and cry
I had a house and family, but now everything is gone
so my life's completely ruined by freecreditreport.com

Duration : 0:1:31

The Premier Credit Repair and Restoration Company. We offer the most comprehensive restoration process available. Guaranteed Results.

Duration : 0:1:17

http://www.creditrepairme.com
But what is a credit score? It is an indicator which tells a creditor if you will be able to pay your debt should your loan be approved. Normally, the score is from 340 to 850 and if you dont score

Duration : 0:1:34

http://bit.ly/FixCreditNow

Credit repair software is the best option to fix your credit fast. - Credit Repair Magic is much cheaper than a law firm like Lexington Law, much more effective than any e-book, and much faster and easier than any other credit repair choice. - Credit repair review sites rate Credit Repair Magic #1 for value and simplicity.

http://bit.ly/FixCreditNow

Duration : 0:10:0

Maxine Sweet, Vice President of Public Education for Experian, discusses the impact of requesting your credit report on your credit score. For more information, visit: http://www.experian.com/credit-education/credit-information.html

Duration : 0:1:16

WWW.SCOTT-FAIN.COM - You are entitled to your credit report annually. This is to show you how to order it.

Duration : 0:3:32

A funny comercial about free credit

Duration : 0:0:31

Please vote by going to youtube.com/freecreditreport and then searching for tim kressin in the white box under the video playing - just give me a thumbs up if you want -
oh and remember you can vote once a day so keep voting everytime you touch your computer.

Duration : 0:0:32