If you’re trying to get a better handle on your finances, may be right for you. They provide a free credit report and other resources that help you make the most of your financial situation. It’s easy to sign up, and you’ll get an instant score on your credit score. Plus, they offer several features that allow you to track your spending habits, save money, and even set up your own budget.

Terms of Service

The Terms of Service at (“Terms”) are the legal agreement between you and the company governing your use of the PSN. You must read and accept these Terms on your own behalf or on behalf of your organization. If you accept these Terms on behalf of an organization, you are responsible for making sure that the organization is authorized to enter into contracts with us.

These Terms of Service include the following terms. This Agreement is subject to the laws of Georgia. Any dispute or claim arising out of these Terms of Service or your use of the PSN will be submitted to the state or federal courts in Atlanta, Georgia. Unless the parties agree otherwise, if any of the provisions of these Terms are determined to be invalid, the other provisions will continue to be valid.

To access the Site, you must be a member of the legal age to use the services in your jurisdiction. You must also be an individual with sufficient legal capacity to enter into contracts.

Privacy Statement

One of the better privacy statements around is provided by the folks at The website, which offers a myriad of services and products, primarily focuses on providing customers with the tools to manage their personal information. Specifically, the company collects and uses your data on an opt-in basis. Depending on how you choose to engage, your data may be used to: (a) provide you with products and services, (b) deliver advertisements and promotions, (c) analyze how you use the site, and (d) provide other offers from partners. For more on the subject, check out the site’s Privacy Statement.

While the website is a worthy steed, it doesn’t stomp out competitors on the same turf. Aside from the aforementioned privacy statement, the website doesn’t offer much in the way of value for your money. That said, there are a few companies on the web that offer you a bit of both. Check out these companies, and you might find the answer to your next digital snooping spree.

Your Credit Report

A credit report is a document that provides information about your past and present credit accounts. This information helps lenders assess your credit worthiness. It also allows them to decide if they will lend you money.

There are three major consumer reporting agencies that gather and report your credit information. These include TransUnion, Equifax, and Experian. You have the right to request a copy of your report from each of these companies. The Fair Credit Reporting Act (FCRA) governs the collection and reporting of your credit history.

Each of these companies is liable for the accuracy of the information they collect. If you notice errors on your report, you have the right to dispute them. But you’ll need to provide additional supporting documentation. Depending on the situation, the dispute might be rejected. However, it doesn’t cost you anything to make a dispute.

To start, you’ll need to determine if you’re being unfairly denied credit. If you believe you’re being unfairly denied credit, contact the company that provided your information to the CRA. They have five days to respond.

Third Party Verification Firms

In the case of complex web transactions, third party verification is often used to verify that a customer is authorized to make an electronic transaction. A verification firm may cross-reference information such as a social security number and date of birth. The verification process is usually timed and tracked, and the customer’s verbal agreement is recorded. This method of authentication adds an additional layer of proof to an electronic transaction, as well as an additional element of risk protection. For example, when a cable television sales rep makes a new contract with a customer, he can verify that the customer has agreed to it by using a third party verification service.

Several firms offer third party verification services., for example, will only accept information that is legitimate and authorized. If the customer gives a false or fraudulent name or address, the company has the right to cancel the agreement, or even remove associated data.