Free Credit Card Number

  Free Credit Card Number  - Why Is Your Credit Score So Important?  - Feb 27, 2007  

You applied for a loan recently and now they informed you that your application got denied! Of course, you want to know why. Well, the answer may be in a three digit number known as the credit score. The higher the number the more favorable creditors view you. Or, in other words, the lower the number the more difficult it will be for you to qualify for loans, credit cards, or any other credit you may need. And even if you qualify, the interest rate they charge you will be higher with a lower credit score. If you do get denied, or the interest rate they charge you is much higher than you anticipated, you should check to see if your credit report is the source of the problem.

In essence, your credit score reflects the data in your credit report. And the Fair Credit Reporting Act dictates that any organization that turns down your application for credit, employment or insurance, has to provide you with your credit report as long as you request it within 60 days of being notified of the rejection.

There are three nationwide consumer reporting companies (Equifax, Experian and TransUnion) that compile credit reports. You can purchase a copy of your credit report from any of these three agencies, or from other companies that offer credit reports as part of a larger package. You should not pay more than $15 for your report.

But, before you go purchase your credit report, you need to realize that you have the legal right to one free copy of your credit report every 12 months from each of the three consumer reporting firms. This report does not give you your score, but it does show you how many times you were late paying your bills. If you want your actual score you will have to pay for it, but it usually is a small amount (

  Free Credit Card Number  - Credit card numbers: What do they really mean?  - Jun 22, 2007  

The long credit card numbers on your credit card inspire awe and if it makes you think what these long strings of numerals signify this article is for you. Every credit card has a unique number associated with it. This number is used to identify the credit card and is used to decipher various other information associated with the credit card. Let us analyze it in detail.

The first digit is always 3, 4, 5 or 6. Credit card companies use a standardized system of assigning numbers. 3 means it is an American Express or Diners Club credit card. Credit cards beginning with 4 means that it is a Visa card. If your credit card numbers starts with 5 it represents a MasterCard. And in the case of a credit card number beginning with 6, it is a Discover credit card.

The other numbers are used to carry various other information. Visa a major credit card issuer uses the digits 2 through 6 to identify the bank. 7 to 12 or 15 are used to identify the account number and the last number is called the check digit. The pattern in Visa credit cards can vary greatly because all of Visa credit cards do not have the same amount of digits on credit cards.

Similar is the case with MasterCard. Digits 2 to 6 represent the bank and digits 7 onwards are used to identify the account with which the credit card is associated. The last digit is the check digit.

The numbering pattern with American Express credit cards is slightly different. The second digit in these credit cards is used to identify the company. For example if the credit card is issued in American Express's name it will have the first two digits 34, or 37 and if it carries Diners club logo it will have its first two digits as 36 or 38. The 3rd and 4rth digits are used to identify whether the credit card is a business or personal type. The digits 5 to 11 represent the account number and digits 12 to 14 shows the card number attached to that account. The last digit is the check digit.

In case of Discover credit card the pattern is similar like those of Visa and MasterCard.

Credit card numbers are a unique way to identify any single credit card from billions of other credit card issued. Credit card technology is improving day by day and credit card companies are adopting new ways to make the credit card more safe, secure and easy to manage.

  More Articles on - free credit card number