There are companies that work on collecting and maintaining credit information of consumers. These are known as credit reporting agencies (CRAs). There are three such major CRAs in the country, namely Equifax, Experian, and TransUnion. Apart from these, there are other smaller-scale agencies too that specialize at the job. If you’re worried about “where to get my credit score?,” the larger CRAs are the most reliable bets.
These major CRAs obtain information from companies that you hold business and transactions with. People or companies that lend you money regularly report to these CRAs on your repaying status. There is also detailed information on the amount you are indebted and whether you have ever defaulted on your payments. Aside from the reports obtained from lenders, these companies also tally your general records based on certain other aspects. Some of these aspects are your public records from the local and state judiciary. These include your tax records and bankruptcy information. This information makes up an important chunk of your credit score and its report.
Present in 24 countries, Equifax is an agency that offers consumers protection against identity theft and credit fraudulence. They also sell credit reports and credit monitoring assistance to businesses.
Experian started off in London and is now a trusted agency in 39 different countries. It provides you with a credit score, credit report, and even credit tracker on subscription. The agency uses FICO 8 system of credit score calculation. Experian was a part of Forbes’ “World’s Most Innovative Companies” in 2018.
Based across 30 countries with a database of over 1 billion consumers, TransUnion is another CRA giant. The agency, like the other ones, will provide you with your credit score and your credit reports. In case you decide to freeze your TransUnion credit report, it will also go the extra mile to notify Equifax and Experian, which frankly is a big help especially in case of identity theft and credit fraud.
So, the next time you are sat wondering “where to get my credit score?,” think of these three giants that provide you with an annual credit score and credit report for free once each year. However, if you are looking for more frequent updates, you can subscribe to their services and receive your monthly updates.
3 providers of home loans with no down payment
Most borrowers wanting to buy a house are always on a lookout for the most-suited mortgage. They look for lenders who offer them the lowest rates of down payments. Although there are lenders who offer mortgages at extremely low down payment requirement, a no down payment home loan is rare to find. Following are the three providers of loans who do not require any down payment:
Department of Veteran Affairs
Qualified veterans, specific members of National Guards and Reserves, as well as duty service members are eligible for a house loan from the Department of Veteran Affairs. Apart from getting a no down payment home loan, the borrower does not need to obtain additional mortgage insurance either. This is covered by the funding fees which is paid by the borrower and further added into the loan amount itself. As a first-time borrower, there is a varying funding fee of 2.15% for veterans or the current members of the military as well as 2.4% for other eligible members of the National Guards and Reserves.
Navy Federal Credit Union
Known to be the largest credit union when it comes to the membership as well as assets, the Navy Federal offers no down payment home loans with 100% financing to primary members. The eligibility, however, is only for specific civilian employees of the military and the Department of Defense, military members as well as the immediate family of those mentioned above. The funding fee of 1.75% of the Navy Federal Credit Union is lesser than that of the Department of Veteran Affairs.
United States Department of Agriculture (USDA)
USDA has grown to be one of the highest lenders of no down payment home loans in the nation. Contrary to what the name suggests, the borrowers are not just associated with farmlands. In fact, you may find your eligibility as well on their website. The only two restrictions are the household income criteria and the geographical limitation. Although it is not a written guideline, experts say that USDA prefers first-time borrowers. However, again, it is not a hard and fast rule, but it is easier for first-time borrowers to procure a loan from USDA.
The eligibility criteria to procure a loan with the first two providers is very limited. However, you may try your luck with USDA while looking for a mortgage with zero down payment.
Baby strollers-A highly useful asset for your little one
The arrival of a baby marks the start of a whole new time and phase in the life of a parent. This is a time when love and affection take a priority even as the logistics of raising a baby into adulthood will become the uppermost concern on everyone’s mind.
There are several products that we tend to invest in, when a new baby is on the way. Starting from clothes to cribs and even baby strollers or prams, there are a number of things that make life easier when you have to handle a baby. It is imperative to invest in the right kind of products because handling the delicate infant is a matter of getting the position, posture and other such details correct so that the child and mother are both comfortable. For this, one will have to look into many details so that the products will actually help in taking care of the child. Here are a few tips on buying the best kind of baby stroller for your baby.
Lightweight and easy to push
One of the main things to remember is that you will need all your strength and both your hands at the same time for your baby. For a while, the new mother will not be able enjoy a hands-free existence unless the baby is sleeping. So, it would be best to invest in a stroller that is lightweight and easy to push rather than a very heavy duty stroller, which will cause discomfort for the mother.
Brakes and other mechanics
There are a number of mechanisms that have to be in place so that the baby stroller is safe to use. You will need to check the brakes and ensure that they work properly and are easy to apply. Also, ask for a demo at the store so that there is no confusion thereafter. Further, you can check for the guarantee or warranty on the stroller and find out what all it covers. Also, the wheels and other aspects should be checked properly. This is especially important so that your toddlers and older children are also safe in case they are walking beside you while you have the baby in the stroller.
Expandable and foldable
The average baby stroller today is one that can be expanded in terms of size and also folded so that you can easily stow the same when you are on the go. Ensure that these mechanisms work properly and check for the location of the levers so that the same is well out of the baby’s reach and grasp.
Try and choose a piece that can later on accommodate a toddler as well so that you do not have to invest in a new baby stroller with the growing years. Do check whether the seat can be pushed upright so that the baby can easily sit up when he or she starts to sit.