How to Order a Free Credit Report



Before applying for an automobile, credit card, or home mortgage loan, it’s a good idea to check your credit report for errors. Banks, credit unions, auto finance and mortgage lenders have all raised the bar when making credit granting decisions. Long gone are the days when a 620 FICO credit score sufficed. Borrowers with bad credit are being turned down or forced to pay significantly higher interest rates when applying. Those with low credit scores have even been denied employment opportunities and automobile insurance.

Negative information contained in credit reports – such as late payments, collection accounts and public record entries – determine whether you can obtain credit, goods, benefits, services, employment and/or insurance. It’s important to review your Equifax, Experian and TransUnion credit reports on a regular basis and correct any information that is inaccurate, erroneous, obsolete, or fraudulent due to possible identity theft.

Don’t be scammed by the numerous “free credit report” opportunities found on the Internet. While dozens of companies offer that so-called “free credit report,” many of them have strings attached, such as subscription-based opt-in requiring you to provide credit card information.

You really can obtain a free copy of your credit report.

Under a narrow set of circumstances, you are entitled to a free copy of your credit report directly from the credit reporting agencies. If you have been denied credit, goods, benefits, services, employment or insurance, Equifax, Experian and TransUnion are statutorily mandated under the Fair Credit Reporting Act to provide a copy without charge.

Equifax can be contacted at (800) 685-1111 or online at

Experian can be contacted at (888) 397-3742 or online at

Trans Union can be contacted at (800) 916-8800 or online at

When ordering credit reports, be sure to indicate that you were denied credit, goods, benefits, services and/or employment when prompted. Absent these exceptions, you are entitled to one free “annual credit report” per year. For your free annual credit report, contact the central source at 877-FACT-ACT (877-322-8228) or online at Follow the voice prompts and obtain your credit report for review.

Credit scores are not included with any of the “free credit reports” provided by the national credit reporting agencies of Equifax, Experian and TransUnion.

Lazaro Cabezas joins Quality Barber Shop of Davie

Now expanding in Davie, Quality Barber Shop is proud to announce the addition of Lazaro Cabezas, to its staff of experienced barbers.  Formerly with Carl’s Barbershop of Davie and Weston, Lazaro brings over four decades of experience to an already qualified team of barbers.

Taking what you love about the classic American barbershop and combing it with a level of service unmatched in the haircare industry, Quality Barber Shop has more competitive pricing than other local shops.

Their strict focus is meeting the grooming needs of today’s man.  From precision haircuts to hot lather shaves and grooming products exclusively for men, you will notice the Quality Barber Shop difference the moment you walk in the door.  From the warm inviting decor to the old fashioned barber chairs, comfort is their primary concern.

Their signature haircut is a real treat. For just $17, you will get a great haircut, hot lather neck shave and hot towel treatment.  You can enjoy a great conversation with your barber or kick back and watch your favorite TV show while having your hair cut.

Unmatched among local barber shops is the level of quality, service and value you will receive at Quality Barber Shop of Davie.

Their service does not stop with the simple haircut. In addition to great haircuts, they offer a full-service hot leather shave which includes layers of hot towels, a professional shave, moisturizing treatment and facial massage.

Quality Barber Shop also offers a complete line of men’s grooming products, including American Crew, Redken for Men, Jack Black, and Menscience.

Walk-ins or reservations are available at Quality Barber Shop of Davie to accommodate any lifestyle. Their hours are 8 am – 7 pm Monday – Saturday and 10 am – 4 pm on Sunday.

Quality Barber Shop is an independent store operated by Maikel Pinedo, formerly with Carl’s Barber Shop of Davie.  Conveniently located at 11522 State Road 84, Davie, FL 33325, they serve clients within the Cooper City, Davie, Fort Lauderdale, Plantation and Weston communities.

For additional information or to schedule an appointment, please call Quality Barber Shop at (954) 306-2332.