Two tips for my readers to get free help.
Tip #1: Have you got your free credit reports (3) from the gov?
Go to http://www.annualcreditreport.com.
The only place to get no requirement, totally free credit reports certified and guaranteed from the government (www.Ftc.gov). Get your three every 12 months free.
Also anytime you are denied credit- you can get at least one report. Anytime you are a victim of credit/identity theft you are entitled to a free report from each of the three major credit unions.
Lastly http://www.creditkarma.com will monitor your score free with no issues year round. They only use Transunion to obtain your score/info.
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Tip #2: Have you listed your phones, (up to 3) on the do not call registry?
http://www.donotcall.gov
Great way to cut spam and wasted minutes et al. It will allow you to put three phone numbers and it does NOT expire
Simply use email to verify and kiss annoying guys goodbye.
There’s always more @:
http://www.changeinadvance.wordpress.com
#thriveorsurvive.
#thriveorsurvive
Changeinadvance 
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