Credit Reports

Tips for checking and cleaning your credit report.  Advice for improving your credit score.  Placing a freeze on your credit and how to opt out of mass-market credit offers.

Free Credit Reports

• AnnualCreditReport.com allows you to get a free credit report each year from the three credit reporting agencies.

Protect Yourself From Credit Fraud / Identity Theft / Telemarketers

• MT Credit Freeze has all the info you need to put a Freeze on your credit files to help prevent identity theft.
• OptOutPrescreen.com allows you to stop the "pre-screened" offers from credit card companies.
• DoNotCall.gov allows you to register your phone number for five years (then you need to re-register) to stop telemarketers from calling.

Financial Advice / Get Out Of Debt

• DaveRamsey.com has great advice on how to become debt free.
  His radio show is supurb, give it a listen...
  Helena area — Monday thru Friday — Noon to 3 — KCAP 1340 AM