Friday, July 8, 2011

Free cat food at Petco July 8-10, 2011



At Petco get two FREE Cans of Royal Canin Cat Food this weekend July 8 - July 10, 2011. No coupon needed. In addition Petco will donate a free can to pets in need for every can they give away. There will also be bins in the store to collect unexpired, unopened cans of food if you'd like to make a donation or donate the cans they give you.

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How to Clean Up Your Credit Report



Your credit score determines whether or not you will be approved for a loan and greatly affects the interest rate you will pay for borrowing the money.  Your credit score also influences your insurance rates and can also affect whether or not an employer will hire you. 

Cleaning up what's on your credit report will help you increase your credit score and improve your credit-worthiness. Cleaning up your credit report takes a little time and effort but it's worth it.  The following steps will help walk you through the process.

Step 1 Get a copy of your credit score
Before you can clean up your credit you'll need to find out what your credit score is.  You can search online to find free credit score offers. Credit scores range from 300 to the perfect 850.  The average credit score in the U.S. is 723.  If yours is under 620 chances are you will have a difficult time finding any type of financing but there are things you can do to clean up your credit and improve your score.

Step 2 Get a copy of your credit report
You can request a free copy of your credit report from one reporting agency once a year from annualcreditreport.com This will get you started on the road to your credit clean up, however you will need to clean up any errors in your credit report with each of the three major credit reporting agencies; Experian, Equifax and Transunion.  This means at some point you will have to pay for your credit reports from the other agencies.

Step 3 Dispute any inaccuracies
All three of the major credit reporting agencies have an electronic process for disputing errors on your credit report. If you dispute an inaccuracy the creditor has thirty (30) days to validate the item.  If they don't the credit agency must remove the item from your credit report. If you are the victim of identity theft you should place an identity theft alert on your credit report. Contact the police and file a police report.  That way the flag on your credit report will stay on it permanently.  You will also need to contact the fraud department of each creditor and provide them with the police report so the items can be removed from your credit report.

Step 4 Request validation of charge-offs
Items you never paid and the creditor gave up on collecting the debt are called "charge-offs".  Request that the credit agency validate the debt as yours.  If the creditor does not validate the account is yours within thirty (30) days then the agency must remove it from your report. Typically derogatory items will stay on your credit report for seven (7) years, bankruptcies for ten (10).

Step 5 Settle your charge-offs
Just because an account is charged off doesn't mean you shouldn't pay it.  It just means that the creditor gave up on collecting on it.  Charge-offs are often turned over to a collection agency to be collected.  Contact the creditor or collection agency listed on the debt and make them a settlement offer.  Very often you can offer 40-50% of the original debt amount.  A settled debt is better than a charge-off.  Make sure that the settlement offer is put into writing and ask the creditor/agency to mark the debt as "settled in full" as part of the offer.

Step 6 Ask for a goodwill adjustment of a late payment
Reach out to creditors with whom you have made a late payment by sending them a goodwill letter.  This is a letter in which you ask the creditor to correct the late payment that has been reported to the credit agency.  This will usually work if you have just one late payment with the creditor in the past year.

Step 7 Ask that problem accounts be re-aged
If you have a number of late payments with a creditor contact them and ask that they be re-aged.  Creditors may reward a serious of twelve (12) timely payments by correcting the previous late payments as on-time payments.

Step 8 Monitor your report
Once you've cleaned up your credit report keep it clean by checking it 1-2 times per year to monitor and maintain it.

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Thursday, July 7, 2011

Febreze #Facebook #Freebie



Febreze will give away  14,500 Febreze Set and Refresh samples on July 7, 2011 and 60,500 on July 8, 2011.  Like the Febreze facebook page then sign up for your free sample.  They will give out the samples periodically throughout both days so if it appears they are out keep checking back.  Both US and Canadian residents are eligible.

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Free Lettuce Wraps from P.F. Chang's

Head over to the P.F. Chang facebook page now. In celebration of their 18th anniversary you'll get a coupon for free lettuce wraps (with any food or beverage purchase) when you like them. The coupon is good until July 31, 2011.




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Wednesday, July 6, 2011

$100 Amazon GC giveaway


In need of some retail therapy?  I've got just the solution for you, a $100.00 Amazon gift card.  Want to win it?  It's easy to enter and you have up to 20 entry opportunities available.  See the form below to enter.  Good luck!

This awesome giveaway is sponsored by the following blogs:


This giveaway will close on July 21, 2011 at 11:59 pm EST. 




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New printable coupons


There are a few good new coupons out from two of the most popular coupon site that you'll want to print and save before they run out.  Here are a few that I think will disappear fairly quickly.

Coupons.com
$2.00 OFF any 3 pkgs of Kellogg's Pop-Tarts toaster pastries and/or Kellogg's Pop-Tarts mini-crisps No longer available!
$0.50 OFF ONE BOX Honey Nut Cheerios cereal
$0.75 OFF ONE BOX Cocoa Puffs Brownie Crunch cereal
$0.75 OFF ONE BOX Cookie Crisp cereal 
$1.00 OFF 1 N.Y.C. Eye Color
$1.00 OFF any 1 Coppertone Suncare Product (excluding lip balm or trial size) 



$1.50 OFF any Millstone® Coffee 10 oz. or larger prepack bag, ½ lb. or more bulk, or K-Cup® Portion Packs.
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Free Sample of Honey Nut Cheerios



Request your free sample of Honey Nut Cheerios and a coupon for $.75 a box here.  Supplies are limited so get your request in quickly.

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Free Arby's Value Menu Item


Are you thinking Arby's?  If so you'll want to print your coupon for a free value menu item with any purchase!  Thanks to Regular Mom for finding this great deal.
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