Get Your Free Credit Report at AnnualCreditReport.com

Did you know that you can get your free credit report at AnnualCreditReport.com? At this website you will receive your annual credit report. This site is simple and easy to use. After submitting your information you can view your credit report instantly. It also offers you the choice to print your credit report for your records. Everyone can receive their credit report free once a year. This site eliminates having to write to the credit bureaus to request a copy of your credit report. Security questions are asked based upon your credit report for extra security measures. You can request to see your credit report from all three agencies. They are Experian, Equifax, and TransUnion. Click here for your free credit report today!

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Watch Video on How to Make Spooky Halloween Decorations

Watch Video on How to Make Spooky Halloween Decorations
Halloween is right around the corner and it’s time to hang those spooky Halloween decorations. Here’s a video on how to make spooky Halloween Decorations for around the home. Would you like to know how to make Ghosts, spider webs, and monsters? Well, this video will give you step by step instruction on how to do just that. Watch the video now!

Former Carolina Panther Dan Morgan Opens Two New Restaurants in Charlotte, North Carolina

Former Carolina Panther Linebacker Dan Morgan and his wife Ashleigh along with the BarFly Group have opened a new pizzeria and diner in South Charlotte’s Stonecrest neighborhood.

Cheese Mo’z is the name of the pizzeria. Dan Morgan’s inspiration came from Anthony’s Coal fired pizza located in South Florida. Pizza, pasta, sandwiches, salads and wings will be served at Cheese Mo’z. Cheese Mo’z will offer several televisions for the sports fan. I can see a large number of Carolina Panthers fans piling in come game time.

The diner Sweet T’s will serve Southern style comfort food from breakfast to dinner, specializing in cakes and pies for dessert. Hopefully, Sweet T’s will be just as comforting to the palate.

Both restaurants are located in the new village at the Robinson Farm development at Rea Road and Williams Pond Lane in Charlotte, North Carolina.

Download QuickBooks 2009 Simple Start Online Free

Get your Intuit QuickBooks 2009 Simple start free edition online free. Click on the link below to download now. This is a great tool for small business owners. Download now!

Credit Repair is More Than a Right, It's Your Responsibility

by Stuart Hunter
The majority of Americans have errors and other unverifiable information on their credit reports that could be dragging down their credit score. Odds are good that your credit score is lower than it should be. The unfortunate thing is that odds are you will be yet another one of the millions of Americans who will continue to suffer with an unfair credit score because you will do nothing to repair your credit.

Most Americans want to believe the credit reporting system works; that people earn their bad credit and there is nothing they can do about it but wait for seven years. But study after study shows the credit reporting system frequently does not work. This is why the Fair Credit Reporting Act and other consumer protection legislation give you the right to do something about it - the right to make sure your credit score is as good as it can be.

So why is it that, though everyone has the right to dispute the negative items in their credit reports, very few people do? It certainly can't be because they don't understand the importance of a high credit score. After all, it doesn't take a genius to figure out the benefits of a good credit score when it can be the difference between paying $2,500/month and $2,000/month for the exact same house.

More likely, the reason people do not repair their credit is a mix of apathy and lack of understanding of the credit reporting system. Too many people assume the credit reporting system is some official government bureaucracy with an extensive system of checks and balances designed to ensure the safekeeping of their credit history. This couldn't be further from the truth.

The credit bureaus at the center of the credit reporting system are not official organizations. Instead, they are massive, for-profit corporations that collect personal information from your creditors and make money by selling this information in the form of your credit reports.

So now you are asking yourself, how do they ensure this information is correct? If a creditor reports something that is wrong, how do the credit bureaus make sure it doesn't end up on your credit reports?

The answer to both of these questions is: they don't. Your creditors report information, the credit bureaus record it, and for most people, the story ends there.

Nobody at the credit bureaus or in the government is going to make sure your credit reports are accurate. The way the credit reporting system is set up, there is only one person who will ever bother to check up on your credit reports - and that person is you. You are the missing, and ultimately the most important, piece of the credit reporting puzzle.

Making sure your credit score is where it should be is your responsibility and repairing your credit reports is a task you will have to initiate because no one out there will do it for you.

It is your right and your responsibility to dispute the questionable negative items in your credit reports and the sooner you start, the better. You can work to repair your credit on your own or you can enlist the help of a credit repair law firm like Lexington Law.

Whether you attempt to repair your credit on your own or with the help of a credit repair expert, by taking an active role in the credit reporting system, you can ensure your credit score is as good as it can be and that you have the advantage over the millions of people out there with bad credit who haven't taken action to do anything about it.

About the Author
Lexington Law is a consumer advocacy law for that focuses on credit report repair. In practice since 1991, Lexington Law has helped over 400,000 clients take control of their credit.