Jill Russo Foster

Tips for Successful Personal Finances

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Third Credit Report Reminder From Jill Russo Foster

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It’s September – Get ready for the holidays!  For this month use TransUnion for your credit report.

Hello, it’s Jill again, reminding you to get your finances in order before you start spending for the holidays.

Order your credit report from www.AnnualCreditReport.com. This is the ONLY authorized source for the no cost annual credit report that’s yours by law. You have the right to know. Exercise your rights! Learn more.

When ordering online:

  1. Select your state, then click Request Report.
  2. Fill out your information, then click Continue.
  3. When it asks you to select a service, select TransUnion.

Not comfortable ordering online? There are three ways you can order your report:

  • Order online at www.AnnualCreditReport.com. By ordering online you can have your report back in minutes!
  • Mail your postal order by downloading the form at www.AnnualCreditReport.com
  • Call in your order at 1-877-322-8228

It doesn’t matter how you get your report, the most important thing is that you do! Then…

  • Review it for accuracy!
  • Follow the instructions with the report to correct any errors.
  • And, always remember to keep copies for your records.

Were you hoping to get your credit score instead? Try CreditKarma.com. CreditKarma does not supply a FICO score, but it does provide scores from TransUnion and VantageScore. And, there’s no charge for you. CreditKarma funds their service through website advertising.

Wishing you the best for the school year and the coming holiday season!

Credit Report Reminder From Jill Russo Foster

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Time To Order Your Second Credit Report Of The Year

For your 2nd report of the year, use Equifax

Hello, it’s Jill again, reminding you to get your finances in order so you can relax this summer.

How to Order Your Credit Report

The only authorized source for  your report is AnnualCreditReport.com. You won’t be charged and they won’t force you to sign up for “credit monitoring

”. It’s yours to review by law for free!

To Learn More, Visit www.AnnualCreditReport.com:

  1. Select your state, then click Request Report.
  2. Fill out your information, then click Continue.
  3. When it asks you to select a service, select Equifax.

Not comfortable ordering online? There are other ways to order your report:

  • Mail your postal order by downloading the form at AnnualCreditReport.com
  • Call in your order at 1-877-322-8228 FREE

What should you do with your report?

  • Review it for accuracy!
  • Follow the instructions to correct any errors.
  • And, always remember to keep copies for your records.

Were you hoping for your credit score instead? One option is to take a look at CreditKarma.com, Quizzle.com or CreditSesame.com. They won’t give you a FICO score, but they come close by providing a close approximation of your score. And, there’s no charge for you.

May you have a relaxing and successful summer!

Time To Order Your Credit Report

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For your last report of the year, use TransUnion

Hello, it’s Jill again, reminding you to get your finances in order by ordering your last credit report of the year.

How to Order Your Credit Report

The only authorized source for  your report is AnnualCreditReport.com. You won’t be charged and they won’t force you to sign up for “credit monitoring”. It’s yours to review by law.

To Learn More, Visit AnnualCreditReport.com:

  1. Select your state, then click Request Report.
  2. Fill out your information, then click Continue.
  3. When it asks you to select a service, select TransUnion.

Not comfortable ordering online? There are other ways to order your report:

  • Mail your postal order by downloading the form at AnnualCreditReport.com
  • Call in your order at 1-877-322-8228 FREE

What should you do with your report?

  • Review it for accuracy!
  • Follow the instructions to correct any errors.
  • And, always remember to keep copies for your records.

Were you hoping for your credit score instead? One option is to take a look at CreditKarma.com, Quizzle.com or CreditSesame.com. They won’t give you a FICO score, but they come close by providing a close approximation of your score. And, there’s no charge for you.

May you have a fun and meaningful holiday season from Halloween through to New Year’s Eve and everything in between.

January Credit Report Reminder!

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It’s January 2019! Time to start the year off right!

Hello, it’s Jill again, reminding you to get your finances in order for the New Year by checking your credit report. For your first report of the year, use Experian.

How to Order Your Credit Report

The only authorized source for  your report is AnnualCreditReport.com. You won’t be charged and they won’t force you to sign up for “credit monitoring”. It’s yours to review by law.

To Learn More, Visit AnnualCreditReport.com:

  1. Select, Request Your Free Report.
  2. Fill out your information, then click Continue.
  3. When it asks you to select a service, select Experian.

Not comfortable ordering online? There are other ways to order your report:

  • Mail your postal order by downloading the form at AnnualCreditReport.com
  • Call in your order at 1-877-322-8228 FREE

What should you do with your report?

  • Review it for accuracy!
  • Follow the instructions to correct any errors.
  • And, always remember to keep copies for your records.

Were you hoping for your credit score instead? One option is to take a look at CreditKarma.com, Quizzle.com or CreditSesame.com. They won’t give you a FICO score, but they come close by providing a close approximation of your score. And, there’s no charge for you.

P.S. I’ll send you other credit report reminders in May and September to help you keep track for the year.

I work with individuals, couples and families who struggle with their finances and need help getting on the right road – sooner rather than later.
Biography
Jill Russo Foster is an award winning author and nationally acclaimed speaker. Her books – Thrive In Five: Take Charge of Your Finances in 5 Minutes a Day and Cash, Credit, and Your Finances: The Teen Years – help teens and adults understand the importance of personal finance. Using real world examples and her knowledge of the credit and loan industries, she offers information and advice that can be immediately put into action. Her website is www.JillRussoFoster.com

Buy my Books
Cash, Credit, and Your Finances:
The Teen Years

Help your teenagers learn about credit, loans, and savings before they leave home.

Most of our financial problems today are caused by a lack of knowledge. No one wants to admit that they don’t know how to handle their money, but few people do. Today’s world is not a cash world, it’s a credit world. A credit world is a much more complicated world to live in. If your children don’t learn early, they could be headed for trouble.

Order Online

Buy the Book
Thrive in Five: Take Charge of Your Finances In Five Minutes A Day

Each year do you resolve to improve your finances only to have something happen that pushes you back to the same place you were last year?  Thrive In Five: Take Charge of Your Finances in 5 Minutes a Day will help you change that.  With daily short tips that take five minutes or less, this book will help you  improve your credit score, spend less, and save more money – all while getting organized!

Order Online

Buy the Book
111 Ways to Save

If you want to tighten your budget and reduce spending, but don’t know where to start, stop waiting! Try any of these super easy cost-cutting tips to find extra cash in your wallet.
The money saving tips are organized by category, so you can tackle each area of your life.
Savings can be found throughout our lives, but sometimes you need to have a suggestion to see it for yourself. These simple tips will help you to reduce your expenses. In addition, there are charts and lists to simplify your meal planning, travel packing lists, and more to help you plan ahead and save money.
Order Online

Your Credit Report

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In my last post, I suggested that you consider freezing your credit.  Another option would be credit monitoring.  I personally am not a fan of paying for a service that you can do yourself for free.  This is how you do this yourself.

You can review your credit three times per year for FREE!  The Credit Card Act of 2010 lets you have a free credit report from each of the three credit reporting agencies once every 365 days.  I suggest that instead of you accessing your credit report once a year, that you access your credit report three separate times in a  year and do this yourself.

We make that easy for you.  If you subscribe to this newsletter, Money Choices (www.JillRussoFoster.com) you will receive a reminder email three times per year to access your credit report.  This will not be posted on social media, you will have to subscribe to Money Choices to get this reminder.  Do this today, as your next reminder is coming in a few weeks.  You can then see what is happening on your credit report and catch any suspicious activity.  Sign up today!

Did your credit score go up this past weekend?

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In the past, you may have reviewed your credit score and found someone else’s information on your report?

With this new change, credit reporting agencies will be using a new three point (name, address, social security or date of birth) check system before adding liens and judgements to someone’s credit report.  Hopefully, this will stop some information from appearing on the wring person’s credit report, thus lowering the credit score.

As of July 1, you may see liens and/or judgements that are not yours removed from your credit and therefore your credit score will go up.  It’s estimated that 10 to 12 million consumers will see their credit scores rise by 10 to 40 points this past weekend.

Bottomline, you need to stay on top of your credit reports and check them regularly.  Do you want to be reminded to check one of your credit report every four months, then sign up for my newsletter Money Choices and you will receive a reminder three times per year to help you stay on top of your credit report. www.JillRussoFoster.com

 

It’s May 2015 – Time to order your 2nd Credit Report

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201501-Spring

This month use Equifax

Hello, it’s Jill again, reminding you to get your finances in order so you can relax this summer.

How to Order Your Credit Report

The only authorized source for  your report is AnnualCreditReport.com. You won’t be charged and they won’t force you to sign up for “credit monitoring”. It’s yours to review by law. Learn more.

Visit www.AnnualCreditReport.com:

  1. Select your state, then click Request Report.
  2. Fill out your information, then click Continue.
  3. When it asks you to select a service, select Equifax.

Not comfortable ordering online? There are other ways to order your report:

  • Mail your postal order by downloading the form at AnnualCreditReport.com
  • Call in your order at 1-877-322-8228

What should you do with your report?

  • Review it for accuracy!
  • Follow the instructions to correct any errors.
  • And, always remember to keep copies for your records.

Were you hoping for your credit score instead? Try CreditKarma.com. It doesn’t give you a FICO score, but it comes close by providing scores from TransUnion and VantageScore. And, there’s no charge for you. CreditKarma funds their service through website advertising.

May you have a relaxing and successful summer!

P.S. I’ll send you another reminder in September to help you stay up-to-date on your credit before the holidays.

It’s May 2014 – Time to Order Your 2nd Credit Report of the Year

By

CReport-MayReminder-2014

This month use Equifax

Hello, it’s Jill again, reminding you to get your finances in order so you can relax this summer.

How to Order Your Credit Report

Order your credit report from www.AnnualCreditReport.com – the ONLY authorized source your no-cost annual credit report that’s yours by law.  Learn more.

When ordering online – visit www.AnnualCreditReport.com:

  1. Select your state, then click Request Report.
  2. Fill out your information, then click Continue.
  3. When it asks you to select a service, select Equifax.

Not comfortable ordering online? There are other ways to order your report:

It doesn’t matter how you get your report, the most important thing is that you do! Then…

  • Review it for accuracy!
  • Follow the instructions with the report to correct any errors.
  • And, always remember to keep copies for your records.

Were you hoping to get your credit score instead? Try CreditKarma.com. CreditKarma does not supply a FICO score, but it does provide scores from TransUnion and VantageScore. And, there’s no charge for you. CreditKarma funds their service through website advertising.

May you have a relaxing and successful summer!

P.S. I’ll send you another reminder in September to help you stay up-to-date on your credit before the holidays.

It’s time to order your report

By

four-seasons-alarm-clock

It’s January 2014 –
Time to Order Your First Credit Report of the Year
This month use Experian

Hello, it’s Jill again, reminding you to get your finances in order for the New Year by checking your credit report.

How to Order Your Credit Report

Order your credit report from www.AnnualCreditReport.com – the ONLY authorized source your no-cost annual credit report that’s yours by law.  Learn more.

When ordering online – visit www.AnnualCreditReport.com:

  1. Select your state, then click Request Report.
  2. Fill out your information, then click Continue.
  3. When it asks you to select a service, select Experian.

Not comfortable ordering online? There are other ways to order your report:

It doesn’t matter how you get your report, the most important thing is that you do! Then…

  • Review it for accuracy!
  • Follow the instructions with the report to correct any errors.
  • And, always remember to keep copies for your records.

Were you hoping to get your credit score instead? Try CreditKarma.com. CreditKarma does not supply a FICO score, but it does provide scores from TransUnion and VantageScore. And, there’s no charge for you. CreditKarma funds their service through website advertising.

May you have a wonderful and successful year!

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P.S. I’ll send you another reminder in May and September to help you stay up-to-date on your credit throughout the year.

It’s September! Kick off to better credit!

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It’s time to order your next credit report
This month use TransUnion

Hello everyone! This is your quarterly reminder from me.

Order your free credit report from www.AnnualCreditReport.com.

AnnualCreditReport.com is the ONLY authorized source for a truly FREE annual credit report that’s yours by law. You have the right to know. Exercise your rights! Learn more.

When ordering online:

  1. Select your state, then click Request Report.
  2. Fill out your information, then click Continue.
  3. When it asks you to select a service, select TransUnion.

Not comfortable ordering online? There are three ways you can order your report:

It doesn’t matter how you get your report, the most important thing is that you do! Then…

  • Review it for accuracy!
  • Follow the instructions with the report to correct any errors.
  • And, always remember to keep copies for your records.

Do you want to know your credit score? Use CreditKarma.com. Credit Karma will give you a close approximation of your FICO score, and it’s free.

Wishing you the best for the school year and the coming holiday season!

Jill Russo Foster

P.S. This is your final reminder for this year. New reminders will begin in January.