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Credit Protection

A credit card can be a great financial tool, but it is also a big resposibility. Applying for and recieving a credit card generally is an easy procedure. Offers from credit card companies arrive frequently in the regular mail.

Many people, particuraly first-time users, do not fully understand the implications of a credit card. They may charge more than they can repay. This can damage a credit rating and create credit problems that can be difficult to fix.

Before you submit a credit application, obtain a copy of your credit report from one of the three major credit reporting agencies to make sure ot is accurate.

Equifax Information Services,LLC

P.O. Box 740241

Atlanta, Ga 30374

Experian Consumer Opt-Out

701 Experian Parkway

Allen, TX 75013

TransUnion LLC's Name Removal Option

P.O. Box 97328

Jackson, MS 39288-7328

Fred Lilly

August 11, 2005