Eight Easy Ways You Can Earn Money Online For Free

Image by Gerd Altmann from Pixabay

Let’s start with the first one. Do you know you can make money searching and shopping online? Qmee.com is an online companion app which, according to their site, gives “ shoppers the ability to search, earn, and save.” All you have to do is create a Qmee account, and while surfing the internet or doing your online shopping, it will show you offers that have cash reward that you can take advantage of from the major brands.

2- Watch videos and get paid

Do you like watching videos on your computer or smartphone? Inboxdollars is for you. They have been around since 2000, and you earn money by watching videos, completing polls, or reading paid emails from your computer or tablet. Companies pay them to show consumers news about their upcoming movies, products, and services. As you watch their videos, you will see virtual cards to scratch off, and which can worth $0.05 to $0.25,. You get  $5.00 to start when you sing up with them.

3- Get paid for your opinion

Online Surveys are another fast way to make money online in your free time. You can earn from $0.05 to $35 per survey. A good one to try is Swagbucks. You get invited through Swagbucks to participate in market research and other opinion surveys. Once you complete the survey to Swagbucks, reward you, and you can cash out either using your Paypal account or Visa gift cards.

4- Create Youtube videos

With millions of people using Youtube every day for different reasons, it has become the advertiser platform of choice. You can create videos about anything from how-to videos to exercise videos. The sky is the limit, and you get paid when Youtube plays advertisements on your videos. To start making money with Youtube, however, you need to have at least 1K subscribers and 4,000 watch hours in the last 12 months, so you need to create exciting videos so you can have a lot of subscribers.

5-Selling your arts

Are you an artist, designer, photographer, or even wanted to explore the artistic side of you? RedBubble is a print on demand service where you can display your work, and when a customer buys your Tshirts,  cards, print framed, they will print them for you and take a commission. So you don’t keep any inventory, no customer service, or shipping required; they take care of all that. All you have to do is create an account and a shop with your artworks.  

6-Share your passion

Are you passionate about something, and would you like to share it with others? Then Skillshare is the right place to share while making money. You get paid for every minute someone watches your videos. 

7-Write articles

If you are good at writing, you can earn up to $50 for an article, and you don’t have to be a professional.  All you have to do is signup with Textbroker as a freelancer, and when their clients submit a request, you will write the article for them and get paid.

8- Completing a variety micro tasks

Image by William Iven from Pixabay

 Lastly, we have clickworker, which is a platform where you can work on a small project like proofreading, writing, searching for information on the internet, completing surveys, app testing, and more. No qualification required to work on a task, and once you are done, you get paid.  

Those are some ways you can make money online and you don’t need to do all of them. Find something you are passionate about and give it your best.

What Does A Credit Counseling Agency Do?

Are you one of the many who lost their job, had reduced hours, or seeing freelancer gig going utterly flat because of COVID19? You are not alone; most of us have seen our financial situation changing for the worse. If you are dealing with a lot of debt or you are struggling to keep up with your payments, then credit counseling might be right for you. In this article, we’ll talk about credit counseling and how it can help you with your financial situation.

What is credit counseling?

Credit counseling agencies help people understand the options available to them to manage their finances better and to eliminate unsecured debts such as credit cards. They usually offer other services like debt management, bankruptcy counseling, student loan counseling, housing counseling, and homebuyer education.

Most credit counseling agencies are also called Consumer Credit Counseling Service (CCCS), which are non-profit organizations, and they are usually members of the National Foundation for Credit Counseling (NFCC). They provide some free services as they receive a grant from credit card companies to help their customers get out debt.  However, some so-called “non-profit” can ask you to make “voluntary” contributions, charge a high fee for their services, or even charge to mail information to you. Those are red flags telling you that you are not dealing with a reputable non-profit credit counseling agencies.

Is it Ok for a credit counseling to charge fees?

As stated above, most services are free, like free credit counseling and budget counseling. For example, if you need a debt management plan or debt relief program, then they usually charge a small fee like $40 to set up the plan and $5-$50 per month, depending on how many accounts you have.

What should you do before using a credit counseling agency?

Here are some questions you can ask to vet them out:

  • Are they a member of the NFCC?
  • How long have they been in business?
  • Are they licensed in my state?
  • What are their fees?
  • Would they wave the fees if I can’t afford to pay them?
  • Are their counselors accredited or certified?
  • Do they sell my personal information?

After that, we will recommend getting a list of agencies and then check your local consumer protection agency to find out if there are complaints about them before making your final decision to work with a specific one. You can also check if they are a member of the NFCC by going to their website https://www.nfcc.org/agency-locator.

What should you expect during your first counseling session?

During your first counseling session, the counselor will ask you about your financial situation like your income, monthly expenses, credit card balance, current debts such as a mortgage, auto loans, and medical bills. After that, they will order your credit report and then review the options available to you based on your financial situation and debt.

Your available options may be:

  • Debt Management Plan or DMP
  • Balance transfers
  • Loan consolidation
  • Debt Settlement
  • Bankruptcy

The counselor should not pressure you to select an option but rather to help you identify the right solution based on your needs.

When do you need credit counseling?

  • If you need on managing your money and debts
  • You are living paycheck-to-paycheck
  • If you owe more than $5k, mostly credit card debt in multiple cards, and you are having a problem keeping up.
  • You have debt in collections
  • Need bankruptcy counseling
  • Help with lowering or consolidate your student loans

Would credit counseling hurt your credit?

Working with a credit counseling agency doesn’t directly affect your credit. However, when you are in a debt management plan, it can hurt your credit score as they usually ask you to close some of your credit cards, which will limit your available credit. Having less credit or consolidating all your balance in one card will increase your credit utilization ratio, which is used to calculate your FICO score. Click here to read more about how the credit score.

Credit counseling can’t do miracles, but it can be a good option whether you have a question about managing your finance, set a budget, get out of debt.

Best Free Money Management Software

The flow of money is like a river, and you can build a dam to control its flow. You need to act fast to prevent from spending it all. There is a need to manage your money and to see it grow to invest some of it. It takes years to become financially intelligent, but are you ready to wait for that long? Of Course not. We all want to be financially secure right now. To help you in that regard, you can use management software to manage your money better.  

There are many money management software that is free to use. You will be able to see your bank balance, track your spending habits, and even helps you make a better financial decision. The plan is to make you aware of the expenses and the growth required to achieve your financial goals.

Let’s look at the list of best money management software you can use.

  1. Budget Simple 

This web application works on all the operating systems that Windows, iOS, and Linux. You can install it on your computer and store all your financial information into it. You can save some confidential data and stay unworried about the chances of forgetting anything. Like a budget, you should have this application to control all your expenses. It will compare the expenses which you did in the past to the one you have done to the current ones. The graphical representations of your spending and your income will be shown, and at the same time, it will show you how ideally it should be according to your budget. Budget Simple provides help to better manage your money without wasting time and to get you out of debt fast.  

  1. Spendee 

Spendee helps you in saving money and suggests to you the steps which you should take to do so. All the purchases you have made in a month and how you should spend money in the future to stay in budget. You can add your crypto wallet, share part of your budget with others like your spouse or roommate, and set a notification to let you know when to pay your bill.

  1. Clarity Money 

Clarity Money is a free personal management software that helps you track your income,  expenses, and subscriptions to streaming services like Hulu or Netflix, for example. Once you link your bank accounts, credit cards, it will use Artificial Intelligence software to analyze your income and monthly spending. Based on that information, it will offer you financial products such as loans and Marcus high yield savings account. This platform is ideal for handling all the purchases, and you will manage your money in the best way. 

  1. Mint

 One of the best money management software that can help you with budgeting, track your income, liabilities, net worth, and even your credit score is Mint. You can link your bank accounts, credit cards, and investment account, and it will show you a graphical overview of where you are spending money and how to plan for future expenses as well.

  1. Personal Capital

Personal Capital is great if you want to manage your budget and investments. The tool provides you with a retirement calculator as well as your net worth. The investment portion provides you with real-time portfolio information so you can know how your stocks are doing. Personal Capital focus is more on the investment side, so if you are not much of an investor or know how to manage your investment, this tool may not be for you.

Conclusion 

Above are some of the tools which can help you save money and managing your budget. Personal finance software can help you keep a close eye on your money and investment without spending too much time. Give them a try and see which one is the best for your needs.

Money Management Tips For Kids

Money management is an essential life skill for a child. In most of the cases, children learn financial values and spending habits from their parents. In many families, financial activities are kept away from children. Some parents feel that financial activities are too complicated, so finances are not their children’s business. We all have to understand that it is not difficult for a child to learn the value of money or money management.

No child carries the necessary life skills and traits in his DNA. Parents can change the lives of their children by conveying the right financial advice in the child’s early years itself. Children’s surroundings and environment are keys to their attitude towards money later in life.

HOW TO TEACH CHILDREN ABOUT MONEY

  • Lead by Example– Children like to imitate what they see, so nothing escapes their little eyes. Set a good example for your children, and they will be much more likely to follow it.
  • Teach them to Save Money– Provide them a clear jar to save money they received, so when they see money increase, they feel happy.
  • Establish a Spending Limit– This is a practical way for them to learn to control their spending and avoid impulse buying. You are teaching them also the difference between needs and wants, which will be beneficial during their adult life.
  • Let them Manage Their Money- Allow them to make some decisions about the money they have either received or earned by working.
  • Teach the Importance of Sharing– Teach them about sharing with others what they have.

TIPS ABOUT SMART MONEY MANAGEMENT

  • Provide extra income opportunities, like having a lemonade stand, pet sitting, etc.
  • Encourage your child to help with family chores.
  • Guide them to set goals.
  • Teach your child how to be a smart consumer.
  • Discuss with them about the financial decisions you are making.
  • Examine your kid’s attitude towards money.
  • Guide them to make a monthly budget.
  • Let your kids learn from their mistakes. This might include something they later regret.
  • Involve your kids in family budgeting.
  • Increase your child pocket money as he/she gets older. At the same time, increase the number of responsibilities also.
  • Take part in money games with your kids.
  • Let your child watch or participate when you pay bills. When needed, explain the amounts.

It’s never too late to teach your kids about smart and responsible money management. Money management may or may not be taught at school. Teaching money management is the responsibility of parents. If children do not learn essential money management at home, they will most likely make bad financial decisions. Money management takes practice. It is like any other learned skill. Money is an instrument that can have a very positive effect on somebody’s life if appropriately managed, but if not, it quickly becomes a burden.

Teaching money management will serve your children well for their entire lives.

Seven Legit Ways To Make Money From Home

Earning money is an art, and an artist knows how to do the magic to make their bank statement look stunning. You don’t need to travel, getting up early, and you don’t need to invest anything, but you can earn more than working a nine to five job. You must be wondering how that can be possible? Well, it is not difficult. There are some easy ways to start making money working from home working for yourself. The basic requirements are a laptop, an internet connection and I’ll give you some idea of where to start. There are so many people all around the globe who are doing so and fulfilling their dream. Let’s cover some legit ways to make money from home.

1. Write Your Thoughts And Shoot Your Clips 

People who do blogging and Vlogging generally get paid for traveling, trying new food, or presenting their creative thoughts in the form of words. 

You need to enhance your writing skills and present your innovative ideas in the most presentable way. This is how blogging happens, but your writing should show your emotions, and that’s how a good blogger earns millions. In case you don’t mind sharing your personal life is good, and you are confident in front of a camera, Vlogging can work for you.

2. Teach English Or Online Courses 

You should know how to speak good English and have expertise in any subject. Both of these things can help you make money online by working as many as for 2 hours a day.

3. Write A Review About Someone’s Product

Promoting other brands by using your writing skills can serve a mutual purpose showing your writing skills as an influencer and getting paid for it. Many companies will pay you well for your positive reviews of their product. All it takes is your excellent writing skills, and in just  3 hours, you could earn lots of money. Product review is essential nowadays before making a purchase.

4. Find Bugs And Get Money For Reporting 

If you are technical and can pay attention to details, you can try bug hunting. Finding bugs in software is an easy task if you know how certain functionality should work. It is similar to spot the difference game.

5. Part-time Customer Support   

Working for a company and helping their customers in solving their inquiries is something pretty easy for everyone. Your willingness to help others can be an easy way to make money from home. 

6. Sell Someone’s Else Products And Earn Commission  

You must have wondered about some investment which doesn’t take anything from you but gives you lots of money. The time has come when you can also earn through such ways where you need to sell someone’s product based upon the commission. You can try dropshipping on eBay or promoting affiliate products.

7. Your Creativity Could Help In Designing 

Your creativity can help you make money from home. You can create some beautiful designs on cloth and stitch dresses for people. People don’t look at the amount when they feel wow about a dress or something that makes them feel beautiful. You don’t need much investment for that, but the returns are going to be huge. 

Conclusion 

There are plenty of ways which could help you make money from home without any investment. You have to find your area of interest and take action right away. You will be in control of your time and be your boss while earning a nice income.

Nine Easy Ways to Make Money Online

With the advent of technology, earning money is now not only limited to an outdated offline route. The Internet has given people numerous ways to make money online and escalate their monetary inflow. 

Before choosing any online platform to earn money, you have to be sure of its authenticity. The majority of making money online strategies are not complicated. However, if you start any work online, it takes time to grow. The work will grow slowly and will then generate your income. You have to be patient if you choose to make money online. Miracles do not happen overnight. You have to stick to the job and be determined enough to convert it into your income generating source.

Let us have a look at some ways to make money online.

Freelancing: Freelancing is one of the most common ways to make money online. Several websites on the Internet offer freelance work to the people having varying skills. The first step to begin freelancing is to create an account. Second, browse through the items and choose a one that matches your skillset. At some websites, you can even create your listing, so that the customers can interact with you directly. Various sites like upwork.com and freelancer.com provide numerous freelancing jobs. 

However, before starting freelancing, you have to remember one thing. You will only be paid once you complete a task, and the client approves it. Initially, the process may involve multiple revisions, but you get better with time and hard work.

Start your website: There is plenty of material available online. You can accumulate the data and start your website. First, you have to choose your area of interest and the services you want to provide to customers. All these things require proper planning and execution. After that, you have to choose a domain, layout, templates, and design for your website. The next step is to sign up for Google AdSense. After signing up, you will get a unique code from Google that you have to paste on your website. Google then tracks your traffic, views, and earnings. More traffic means more money.  

Affiliate marketing: Once your website is running successfully, you can start affiliate marketing. You will need to signup individually with companies that offer affiliate marketing, or you can open an account with Clickbanks or amazon.

The way it works is by placing various companies’ web links on your website. When any user goes on these links and buys their products and services, you can make money from it. It is like a mutual or symbiotic association.

Language translating: You can make a lot of money online by working as a language translator, knowing any foreign language other than English can prove to be a good income source. Several websites on the Internet offer translation assignments in which you have to translate documents in one language to another. This includes French, Arab, Spanish, and German to or from English.

Since this job is very time consuming, these companies hire translators from anywhere in the world and you can earn an excellent income doing translation work.

Online Tutoring: If you have a solid command on any subject, you can even start online Tutoring. Online Tutoring helps you to connect to students of different ages. You can teach people across the globe and make a lot of money. People tend to pay a good deal of money to brilliant tutors

For this, you can create your profile on different websites like Vedantu.com or Bharat Tutors.com. Mention your expertise, your experience, and your qualifications and send a ake your teaching demo. Once you are selected, you can teach online according to your convenience.

Virtual Assistance: Virtual assistants do all the corporate work online from home. They manage those aspects of business for their clients that the clients cannot handle themselves. Their services include data entry, bookkeeping, marketing, tech support, customer service, social media management, and event planning.

Becoming a Virtual Assistant requires certain qualifications such as being fluent in English and know various applications such as MS Office.

YouTube: YouTube is a sure shot way to earn money. If you have talent, all you have to do is to take a camera and start recording your videos. Make videos on any subject you are good at. Make sure that your videos are interesting enough to gain maximum views. 

For this, you have to create your YouTube channel first and then start uploading your videos. You will start making a reasonable amount of money after your channel gains popularity as well as subscribers.

Web Designing: Every business needs a website. Since all the business owners are not tech-savvy, they hire web designers to set up their websites and manage them. If you are a skilled web designer, you can offer your service online, and you can start making money from this job.

Content Writing:

The field of content writing is vast. There are varieties of niches on which you can write articles for various websites. You will get more clients, and you can charge more depending on the quality of your writing.

The Internet is known as a network of networks. There are numerous other ways also to make money online, like podcasting, doing surveys, webinars, etc. You need inspiration, and then you can create a success story of your own.

How to Raise Your Credit Score Fast

Who doesn’t want to increase their credit score? It’s an important number that will decide how easily you can get a loan and qualify for low interest, reward, and cash back credit card deals.

1. Find Out When Your Issuer Reports Payment History

First thing first, call your credit card issuer and ask him when your balance gets reported to the credit bureaus. More often, that day is the closing date and or you can say the last day of the billing cycle on your account. I am sure you’ve heard of the term “credit utilization ratio.” This is the ratio of the amount of credit card that you’ve used compared to the amount of credit that is available, and it is best to keep that ratio to less than 30%. A smart way to boost your score, even quicker,  is by keeping your credit utilization ratio to less than 10%.

Let’s see how to calculate the utilization ratio:

Assume that you have two credit cards. 

The limit of Card 1 is $3,000 and a $1,500 balance.

Limit of Card 2 is $10,000 limit and a $1,000 balance on it.

Let’s calculate the utilization ratio per card:

Card 1 = 50% (1,500/3,000 = .0.5, or 50%), which is too high.

Card B = 10% (500/5,000 = .10, or 10%), which is great.

Doing this exercise will help with step number two

2. Pay Down Cards With High Balance First

Let’s talk about the utilization ratio.

In the above example, we saw there was a balance in more than one card. 

Note that Card 1 has a 50% ratio, which is high, and Card 2 has a low 10% ratio, which is quite good. To calculate the FICO score, they will check each card’s ratio so you can boost your score by paying off the card with the higher balance. 

3. Pay Twice a Month

Try to pay your balance two weeks before the closing and then make another payment just before the closing date.  I am assuming that you have the money to pay off your expenses (even the big ones) by the end of the month. Don’t pay big bills with your credit card if you plan to carry a balance as the compound interest will create a pile of debt on you pretty quickly. 

4. Ask For A Credit Limit Increase

Request a limit increase from your credit card companies, and this will lower down your credit utilization ratio percentage. A high credit limit can also grant you the positive secondary effects, such as emergency payments, and this is an efficient way to make large purchases.

So, ultimately if you have less utilization ratio, it shows that you’re doing a good job managing your money by not overspending, and keeping your spending in check can help you reach higher credit scores.

5. Do’s and don’ts 

So, if you have several unused credit cards in your wallet, do not close them as it will benefit you by showing a long credit history and a more considerable amount of available credit.

Conclusion:

In conclusion, to boost your credit score fast,  you need to follow these three basic rules:

The first thing you need to do is to keep your credit card balance as low as you can.

Secondly, pay your bills on time, and when you’re paying it, make sure you pay in full.

Thirdly keep a regular check on your credit report so that you can know what is negatively and positively affecting your credit score.

What Are The Best Way To Improve Your Credit Score?

Before knowing how to improve your credit score, let’s find out what a credit score is?

A credit score is a number ranging from 300 to 850 that represents all of your credit histories. It is calculated based on these five following components:

  • Payment history: 35%
  • Amounts owed: 30%
  • Length of credit history: 15%
  • How many types of credit in use:10%
  • Account inquiries: 10% 

To save your money a good credit score is a must thing, this three-digit number ranging from 300-850, 850 being the highest is used by lenders to decide how likely they’ll be repaid on time if they’ve granted you a loan or a credit card- this is an essential factor of your life. If you’ve got a good credit score, there are more chances of getting credit cards or loans with the most favorable terms that are ultimately going to save your money.

In this article, we’ll be talking about some of the tried and tested tricks, tips, and hacks that are surely going to boost your credit score quickly. Let’s discuss seven awesome hacks that will tell you how to fix your credit score.

To start, you need to know what your credit score is right now. But the question is, how would you know your credit score? Simple, you need to go to this article on how to get your credit score for free here. So, “what is the benefit of knowing my credit score?” well, once you are aware of your credit score, you will understand what the main factors that are affecting your credit score are. These are the risk factors that will help you to understand what changes you need to do to start improving your credit scores.

1. Pay Your Bills on Time

So, what are the things that lenders review before granting you a loan? Lenders will review your credit report, and they will undoubtedly request a credit score for you. They are keen to know how reliably you pay your bills on time, as this is probably the best way to understand past performance and helps them to predict future performance.

The final question arises on how you will improve your score, and the best way is to pay your bill on time every month. If you are paying late or settling your account balance less than what you originally agreed to pay can negatively affect your credit score. You can use external tools that will remind you to pay your credit card bill or to deposit money into your Checking account when you get paid.

2. Pay off Debt and Keep Balances Low on Credit Cards and Other Revolving Credit

Another critical number in the credit score calculation is the credit utilization ratio. The credit utilization ratio is calculated by adding all your credit card balance and dividing it by your total credit limit.

If you want to figure out the average utilization ratio of your credit card, add all the statement balances of each month and divide it by 12. What you get will be the actual credit you use each month averagely. Lenders want to see it as low as possible but play on the safe side of 30% or less.

3. Apply For New Credit Card Accounts When You Need It

A lot of people to apply for credit cards and opening new credit accounts even when they don’t need them. If you’re opening an account to have a better credit mix- this is not going to improve your credit score.

Having unnecessary credit card do harm you in multiple ways, so it is better to keep only the cards that you need.

4. Don’t Close Unused Credit Cards

Don’t close your cards if you are not using them frequently. It is a smart strategy to not closing your credit card if you are not getting charged annual fees. If you do close your card often, it will hit an increment in your credit utilization ratio.

5. Dispute Any Inaccuracies on Your Credit Reports

This last step is probably the most crucial one that people right now are frequently missing. You should regularly review credit reports from the three bureaus for inaccurate reporting. If you find any incorrect information in your credit report, you should immediately dispute the information and get it corrected as soon as possible.

The verdict!!

So, these were some of the tips that you can follow to improve your credit score quickly. Try to keep your credit card balance as low as possible, and keep on paying your bills regularly. Doing so will help you save money on your auto insurance, be able to rent better apartments, and even no need to give a security deposit with the utility companies.

How to find unclaimed money held by the government that belongs to you

What is unclaimed money? Unclaimed money is money that businesses or the government owe to you. The money can be from checks that you did not cash during the allotted time, inactive bank accounts, safe deposit, insurance policies, annuities, or escrow accounts.

If there were no activity on a bank  or a brokerage accountfor at least a year or when important notices mailed to you are returned undeliverable to the company then they consider the account as inactive.  In those instances, the money or property is turned over to the State, which will use various ways to find the rightful owner.  Most states use the national unclaimed property database  MissingMoney.com so the residents can check for unclaimed money; however, you may have to check individual company as shown below.

You can search for unclaimed money for free and follow the procedures outline by the State to claim that money or property.

For unclaimed money in your State

You can go to https://unclaimed.org, but if you have lived in several states it is best to search the national unclaimed property database https://www.missingmoney.com/en/

For money from past employers

You can visit the Department of Labor website https://webapps.dol.gov/wow/

For unclaimed pensions visit the Pension Benefit Guaranty Corporation  https://www.pbgc.gov/search-unclaimed-pensions

Money from Tax Refunds

Visit the IRS website  https://www.irs.gov/refunds

Money from Failed Banks

During the last decade financial crisis, a lot of banks failed so you can check for unclaimed money here https://closedbanks.fdic.gov/FUNDS/FundsNET/Funds

FHA Insurance

If you had an FHA insured mortgage, you might be eligible for a refund

Money From Insurance Companies

VA Insurance Benefits visit the U.S. Department of Veterans Affairs database if you are a policyholder or their beneficiaries  https://insurance.va.gov/UnclaimedFunds

Credit Union failures

https://www.ncua.gov/support-services/conservatorships-liquidations/unclaimed-deposits

Companies who owe investors money

Visit the Security and Exchange Commission website https://www.sec.gov/divisions/enforce/claims.htm

How to get your Free Credit Report

In 2003 congress amended the Fair Credit Reporting Act to mandate the three credit bureaus to allow consumers to order one copy of their credit report for free annually. Now starting in 2020,you can order six credit reports per year from Equifax; this is in addition to the free report that you can request from the three credit bureau.

What is in your credit report, you may ask? Your credit report includes information about places you have lived, open or closed loans or credit card accounts, bill-paying history, any bankruptcy, and inquiries about your credit. The report is then sold to companies to help them decide your creditworthiness and your ability to repay your debts. Employers also check your credit to make a hiring decision for a job.  Reviewing your credit report annually will help you detect identity theft or inaccuracies sooner that can affect your credit.

When reviewing the report, pay attention to anything you might think is suspicious or that was reported inaccurately, such as late payments, etc.

If you find an inaccuracy, you need to report it to the credit bureaus online or by mail.  By law, they have to investigate the item in question within 30 days. You will need to provide documentation to support your claim. If the credit bureau found that the reported information on your report is inaccurate, they will report it to the other credit bureaux to be updated.

What do you do if, while reviewing your report, you noticed fraud activities such as an account opened at an address you never lived before and a slight variation in the spelling of your name or unpaid debt that you did not contract? Then you need to contact the credit bureaus, the creditors, to challenge the information. You will also file a police report and affidavit to protect yourself.

The best site to get your free credit report is  by visiting  AnnualCreditReport.com

and follow the instructions. You will need to verify your identity, and after that, you will have a chance to view the report online or to download it.

You can also select to call 877-322-8228 to request it to be mailed to you.

Lastly, you can request it by mail by first downloading the annual credit form from the FTC website here, fill it out and mail to Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281.