Free Credit Report – Disputing Credit Report Information

August 25, 2013 by admin

Information from your credit report to creditors in order to measure the risk factor in lending money to you. Credit Report provides general information about your identity and how regularly you pay your bills. Credit report is considered the decisive factor of the creditors used when you apply for credit facility.

– Free Credit Report

Therefore, it is important that you maintain a good credit-conscious report. Incorrect information about your> Report could negatively dramatically on the duration and impact on your purchasing power. It is therefore necessary to monitor and ensure that your information will be updated with the credit bureaus and are correct.

– Free Credit Report

In case of discrepancies in your information or evaluation, you can dispute the credit report information using the Fair Credit Reporting Act or the FCRA.

Review Your Credit Report
The first step in Review your credit report is to obtain a copy of one.

According to federal law, you are entitled to a copy of your credit report from each of bodies a year. Upon receipt of your credit report, go through them thoroughly to ensure that the information is correct or not. In the case of incorrect information you can use the same argument with the help of the Fair Credit Reporting Act or the FCRA.

File A Credit> Report Dispute
After finding inaccurate information in your credit report is the first step should be to the Credit Bureau awake and the source of information in written form.

This takes you to dispute on the way to the wrong information.

The next step is related evidence supporting your claim. These include statements or checks, which was canceled. Along with this, it is a good idea of your personal information such as name, now include a valid postalAddress, and information on dispute resolution and explains why the information is wrong. To give a clear picture, you may obtain a copy of credit report highlighting the disputed information.

These documents must be sent by certified mail containing the request for a return receipt requested. This will ensure you have the proof of your e-mail has been received from the Credit Bureau. It is very important to send a copy of all the documents you send them to keep.

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Free Credit Report – Credit Reports Unmasked

April 16, 2013 by admin

Typically, credit bureaus are private companies, sell your credit scores and reports for lenders to request copies of the request in the event that you for a loan. The first thing that lenders check when you submit a loan application to determine whether a loan, mortgage or a credit card is your credit score. This is because, before it is to borrow money, you decide, they want to know what kind of risk you will know.

– Free Credit Report

Credit score scales are calculatedthrough a complex mathematical algorithm that factors commonly involved in the credit claims decisions. These factors include payment history, credit standing, credit available to existing or current debts, bankruptcies, if any, among others.

The most widely used credit score calculator from United States three major reporting agencies, Equifax, Experian and TransUnion, which is the Fair Isaac Corporation developed as Fico.

Fico is asignificant because it is one of the factors to obtain the assessment in the United States.
– Free Credit Report

Since each of the different agencies use different rating systems for their credit ratings score, each based on different factors, it is very likely that your credit score, issued by the office is issued by the two other differently.

The cost savings of a non-FICO score are tempting to some banks and credit card companies have a precise riskAssessment on millions of accounts each year.

Lenders use your credit card score, now base their decisions on facts, not on personal feelings or factors such as gender, race, religion, nationality and marital status, thus reducing discrimination in credit approval. Lenders are not allowed to bring your score to check if you opt for a loan or a mortgage with them, but now you can also have your own guests.

If your request directly with the credit –Offices, it can participate for a small fee. Checking your credit score regularly will avoid any complications, but did not check more than once a year. If you want to buy a car or buy a country, through mortgage, it is advisable to know your credit score. If you request your credit report and score, you need the following information: name, address, Social Security number (usually only the last four digits) and date of birth. TheInformation will be used to verify your identity and protect your free credit report and score of would-be identity thieves and fraudsters.

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Where to Get Your Free Annual Credit Report

August 7, 2012 by admin

Article by Tisha Kulak

Where to Get Your Free Annual Credit Report – Finance

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All consumers are entitled to a free credit report every 12 months. Some states, including Colorado, Georgia, Maine, Maryland, Massachusetts, New Jersey, and Vermont have state laws that make residents eligible for a free credit report under state law. Additionally, all consumers who have been denied credit have a right to request a copy of their credit report for further review. Credit reports can also be requested with a credit score rating at any time for a fee from the 2 major credit reporting agencies, Equifax and TranUnion. Recently, the third agency, Experian, has stopped providing consumers with access to their reports.

When To Get A Free Report

Consumers are entitled to receive one free credit report for each agency every year. It might be wise to order one, work to improve your credit and then order the subsequent reports a few months later to see what has changed. You can also order all reports at the same time to compare, since neither report will show the exact same information.

How To Get A Free Report

There are many places, including directly from the credit reporting agencies, where you can order your credit report but the central location where you can request your free report is through the website Annual Credit Report. There you can request your report via email, regular mail, or by phone.

Why Get A Free Report?

It is widely suggested that you take advantage of the free credit report each year, if only for monitoring purposes. Reviewing your credit report often will help alert you to incidents of credit fraud and potentially false information that can dramatically reduce your credit rating. Any errors should be reported immediately to the credit reporting agency from where the report was published. If you are denied credit for any reason, you should request a copy of your report to review and see what you can do to improve the score before completing other applications for credit.

Keep in mind that your credit report will not contain a credit score. That type of report can be obtained for a fee by contacting the respective credit reporting agencies. Your credit score, created by Fair Issac complies your credit history information into a mathematical equation which lenders use to assess your creditworthiness.

Fixing Your Credit Report

When you do get and review your credit report and find that it may not be as good as it could or should be, know that you can make the improvements to your credit yourself. You can start by making sure your payments are on time each month and you control your spending on credit. Beware of the companies that claim they can repair your credit for you. Many times these companies are scams or in the very least, they charge you for services you can do on your own for free.

Visit Annual Credit Report website today and request your free credit report today to make sure you know where you stand financially. If you plan to make big purchase in the next few months, such as a house, car, or apply for a personal loan, it is in your best interest to work on improving your credit report before applying in order to get the best rates and have the most options available to you.

About the Author

Tisha Kulak Tolar is a writer for LeaveDebtBehind.com where she regularly writes about debt consolidation, getting out of debt, debt settlement and saving money.

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Tisha Kulak Tolar is a writer for LeaveDebtBehind.com where she regularly writes about debt consolidation, getting out of debt, debt settlement and saving money.

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Getting Your Credit Report & Why It’s Important

August 1, 2012 by admin

Article by Trevor Poulson

Getting Your Credit Report & Why It’s Important – Finance – Credit

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Few people realize how easy it is to get a copy of your credit report or how important it is for you to know what’s on your credit report. As part of the federal Fair Crediting Reporting Act (FCRA), each of the nationwide consumer reporting agencies is required to provide you with a free copy of your credit report once per year.

Be careful of many companies online advertising to give you a free credit report as many of them will have you enrolling in other things at the same time! If you go to http://www.annualcreditreport.com, you can get a copy of your credit report from Trans Union, Equifax or Experian, which are the three main credit reporting agencies. If you’ve been denied for any credit, you’re also entitled to a free copy of your credit report if you contact them within 60 days of the denial.

What’s On Your Credit Report?

Anything of importance that anyone may want to know about you can be found on your credit report. Personal information about you including name, aliases, Social Security number, current and past addresses, date of birth, current employer as well as previous employer. Most of this information is coming from applications you may have filled out in the past so it’s important to always be sure to fill out forms accurately.

Any credit you may have or have had in the past will be listed on your credit report including the date each account was opened or closed, high credit limit, monthly payment, balance and payment history for the past few years. It will also state the type of account it is (mortgage, installment loan) and if it is also under someone else’s name. If you’ve had any public records such as monetary judgments, bankruptcy, tax liens or even back child support, these things will all be listed right below your accounts.

Any inquiries that have been made into your credit report, whether by you or others will also be listed on the bottom of the credit report along with the date of the inquiry. When you apply for any credit, the company will request a copy of your credit report and their name is then added to the list of inquiries. Potential creditors frown on numerous inquiries in a short amount of time. Too many inquiries in a short amount of time can also affect your credit scores negatively.

Why It’s Important to See Your Credit Report

It’s very important to see your credit report at least once a year so you know what’s being reported about you and your financial history. There may be information on your credit report that’s inaccurate. It’s up to the bank or credit card company that reported the information to the credit reporting agency to correct any errors they’ve made, but they need to be made aware of them first.

Your credit report may not show all your accounts. Although most creditors report to the agencies, there are some that do not. Make sure that any accounts that are paid off are reported as paid. When you look over your credit report, start from the top and verify everything. One mistyped number in your Social Security number can result in someone else’s account being on your report. Errors are often found on credit reports within the family when there are “Jr.” and “Sr.” in the family.

Your credit report is used for more than just loans and credit card applications. Today potential landlords are requesting credit reports as well as cable and satellite providers and cell phone companies. So, know protect your credit and know what’s on your credit report!

About the Author

I own T.K. Financial Group, LLC. An online marketing firm with a wide arrangement of services including, but not limited to, financial help http://www.creditcardissuer.us to new online businesses http://www.doorways2wealth.com and even pharmaceuticals http://consumersdiscountrx.com/phrmacy.

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Trevor Poulson

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How To Discover Your Credit Report And Credit History

July 18, 2012 by admin

Article by Jason Markum

How To Discover Your Credit Report And Credit History – Finance – Credit

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Have you ever been turned down for a business loan or a house loan or any kind of loan at all? Have you ever filled out a credit card application that said “pre-approved!” only to receive a letter two weeks later saying that you have been denied credit? Have you ever been turned down for a rent application because of your poor credit?

Have you ever wondered how these people determine what your credit rating is? And have you ever wanted to check your credit report to see why you’ve been turned down for credit or for a loan? If so, you’ve come to the right place. In this article I’m going to talk about your credit report and let you know exactly how to check your own credit history and credit report…

So what exactly is a credit report? Basically it’s a list of all your current outstanding credit as well as any applications for new credit that you have recently submitted. Your credit report can contain lots of different things, not just your credit card bills and things of this nature. Basically anyone that you pay money to can submit a report to the credit agencies. Of course, most companies don’t bother, so we generally see the same sorts of companies doing this.

Besides credit card companies and banks, other companies that may report your credit history include utility companies such as your local water, sewage, or electric company. Cell phone companies quite often make reports to your credit history because most cell phone plans are contracts in which you pay monthly. Telephone companies sometimes report, and cable and satellite dish companies sometimes report as well.

Car companies almost always submit reports to your credit history if you have a loan for a car with them or even if you lease. And your bank or mortgage company will definitely submit credit reports on you either monthly or quarterly. Depending on your landlord, they may report you as well if you rent an apartment. And they will almost always reports you if you miss a payment.

So how do you find out exactly what is in your credit report? The fair credit reporting act guarantees that you can find out the contents of your credit report at any time. If you were denied credit within the past 30 days, which is true for probably most people even if you don’t realize it, then you are entitled to a free credit report.

If you haven’t been denied credit recently but still want to see your credit report, just contact one of the three main credit reporting agencies and they will provide you with a copy of your credit report for a low fee, or sometimes for free. The three main credit reporting agencies are Equifax, TransUnion, and Experian.

The fair credit reporting act gives you the right to dispute any items in your credit file that you do not agree with. Errors occur frequently so be sure to check your credit report every three or four months. Common errors include similar naming errors. For instance, if you have the same name as your mother or father then quite often credit reports can be attributed incorrectly. You want to get these things cleared up as quickly as possible.

Being financially responsible means keeping up-to-date with your current credit history. It’s a good idea to get in the habit of checking your credit report every quarter, or the very least once a year. I suggest you check it every year during tax time if not more often. With the Internet, checking your credit history can be done very quickly and easily, and often for free… so there’s no excuse not to check often..

About the Author

Jason has been writing articles online for nearly 14 years. When not writing about finance, Jason runs a very helpful tableware web site where you can find awesome deals on reed and barton stainless to set your table apart from your neighbors!

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How Does The Fcra Protect My Credit Report?

July 17, 2012 by admin

Article by Vanessa Doguiles

How Does The Fcra Protect My Credit Report? – Finance – Credit

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The federal Fair Credit Reporting Act (FCRA) promotes the accuracy, fairness and privacy of information in the files of consumer reporting agencies. There are many types of consumer reporting agencies, including credit bureaus and specialty agencies (such as agencies that sell information about check writing histories, medical records, and rental history records). Here is a summary of your major rights under the FCRA. For more information, including information about additional rights, go to http://www.ftc.gov/credit or write to: Consumer Response Center, Room 130-A, Federal Trade Commission, 600 Pennsylvania Ave.

N.W., Washington, DC 20580.

You must be told if information in your file has been used against you. Anyone who uses a credit report or another type of consumer report to deny your application for credit, insurance, or employment – or to take another adverse action against you – must tell you, and must give you the name, address and phone number of the agency that provided the information.

You have the right to know what is in your file. You may request and obtain all the information about you in the files of a consumer reporting agency (your “file disclosure”). You will be required to provide proper identification, which may include your Social Security number. In many cases, the disclosure will be free.

You are entitled to a free file disclosure if:

A person has taken adverse action against you because of information in your credit report;

You are the victim of identify theft and place a fraud alert in your file;

Your file contains inaccurate information as a result of fraud;

You are on public assistance;

You are unemployed but expect to apply for employment within 60 days.

In addition, by September 2005 all consumers will be entitled to one free disclosure every 12 months upon request from each nationwide credit bureau and from nationwide specialty consumer reporting agencies. See http://www.ftc.gov/credit for additional information.

You have the right to ask for a credit score. Credit scores are numerical summaries of your credit worthiness based on information from credit bureaus. You may request a credit score from consumer reporting agencies that create scores or distribute scores used in residential real property loans, but you will have to pay for it. In some mortgage transactions, you will receive credit score information for free from the mortgage lender.

You have the right to dispute incomplete or inaccurate information. If you identify information in your file that is incomplete or inaccurate and report it to the consumer reporting agency, the agency must investigate unless your dispute is frivolous. See http://www.ftc.gov/credit for an explanation of dispute procedures.

Consumer reporting agencies must correct or delete inaccurate, incomplete or unverifiable information. Inaccurate, incomplete or unverifiable information must be removed or corrected, usually within 30 days. However, a consumer reporting agency may continue to report information it has verified as accurate.

Consumer reporting agencies may not report outdated negative information. In most cases, a consumer reporting agency may not report negative information that is more than seven years old, or bankruptcies that are more than 10 years old.

Access to your file is limited. A consumer reporting agency may provide information about you only to people with a valid need – usually to consider an application with a creditor, insurer, employer, landlord, or other business. The FCRA specifies those with a valid need for access.

You must give your consent for reports to be provided to employers. A consumer reporting agency may not give out information about you to your employer, or a potential employer, without your written consent given to the employer. Written consent generally is not required in the trucking industry. For more information, go to http://www.ftc.gov/credit.

You may limit “prescreened” offers of credit and insurance you get based on information in your credit report. Unsolicited “prescreened” offers for credit and insurance must include a toll-free phone number you can call if you choose to remove your name and address from the lists these offers are based on. You may opt-out with the nationwide credit bureaus at 1-888-567-8688.

You may seek damages from violators. If a consumer reporting agency, or, in some cases, a user of consumer reports or a furnisher of information to a consumer reporting agency violates the FCRA, you may be able to sue in state or federal court.

Identity theft victims and active duty military personnel have additional rights. For more information, visit http://www.ftc.gov/credit

States may enforce the FCRA, and many states have their own consumer reporting laws. In some cases, you may have more rights under state law. For more information, contact your state or local consumer protection agency or your state Attorney General.

The Fair Credit Billing Act (FCBA), which is a subset of the more comprehensive Truth in Lending Act, which essentially tells original creditors how they should behave. http://www.ftc.gov/os/statutes/fcb/fcb.pdf

Have you ever been billed for merchandise you returned or never received? Has your credit card company ever charged you twice for the same item or failed to credit a payment to your account? While frustrating, these errors can be corrected. It takes a little patience and knowledge of the dispute settlement procedures provided by the Fair Credit Billing Act (FCBA).

The law applies to “open end” credit accounts, such as credit cards, and revolving charge accounts – such as department store accounts. It does not cover installment contracts – loans or extensions of credit you repay on a fixed schedule. Consumers often buy cars, furniture and major appliances on an installment basis, and repay personal loans in installments as well.

About The Author: Drew Canole, is President of Waterfield Credit a credit education, and repair company that has been in business for 5 years. Drew, has just recently published The 57 Day Challenge To A 720 Credit Score. For some more Free information check out http://www.57daychallenge.com

About the Author

www.waterfieldcredit.com http://www.Eatmydebt.com

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How Do I Read My Credit Report? Second, How Do I Fix My Credit Report?

July 14, 2012 by admin

Article by Vanessa Doguiles

How Do I Read My Credit Report? Second, How Do I Fix My Credit Report? – Finance – Credit

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First, make a copy of your credit report to mail along with your disputes to the credit bureaus. Keep one copy where you indicate with a marker the items that are to be disputed.

I recommend you use a highlighter on one copy to mark the negative information you find. It is always helpful to write yourself a note if the negative information is not clear.

When you get the reports, there will be an information page telling you how to read your report so review that.

Most all credit reports contain these six categories:

Creditors or Lenders – a listing of all accounts current and within last 7-10 years History of Account (payment history) Comments, Remarks, Details Status (open/closed)

Public Records (tax lens, judgments, and bankruptcies) Inquiries

Personal Information

Now locate the personal information section. Are the addresses wrong? Are any variations on your name incorrect? Are those employers ones you worked at? Simple errors such as a misspelled name, missing Jr/Sr and a wrong address could mean you are viewing information from someone else’s report. Review every entry for accuracy and highlight anything that needs to be deleted or changed. Derogatory Negative Items Think of your credit report like a map with a legend key, once you understand the key it is easier to read.. Equifax lists negative items at the beginning of the report, Trans Union designates a section with all negative information and Experian gives a brief paragraph explanation of all accounts.

If you look at each listing you can decode it as follows,

All installment loans are indicated with an I, like an car loan;

Revolving, like credit cards, with an R; and

Mortgage loans with an M.

After the letter there is a number indicating what the listing is. Any number greater than 1 is considered a negative entry. The higher the number, the more severe the derogatory | negative entry is

R1 or I1 = pays as agreed never late

R2 or I2 = 30 days late

R3 or I3 = 60 days late

R4 or I4 = 90 days late

R5 or I5 = 120 days late

R7 or I7 = making regular payments under wage earner plan

R8 or I8 = repossession

R9 or I9 = charge off

Any item that is not rated 1 is a possible negative and warrants a second look. Once you familiarize yourself with the coding symbols used by the credit bureaus, look for and mark any damaging information recorded on your report. Now start reviewing each item in your report. Are there any accounts you do not recognize, credit cards, debts? Be sure all accounts you closed are marked “closed by consumer” Incorrect items such as late payments, a premarital debt of your spouse, and credit entries you do not recognize require your immediate attention.

Look for duplicate items, if they are reporting negatively it is a double whammy on your score. You should especially be looking for negative information that is erroneous.

These negative entries can appear on your report coded as this Negative entries may appear as:

30/60/90 = 30, 60, 90 Days delinquent or past due.

P&L = Profit and Loss (Creditor considers debt uncollectible)

C/O = Charged Off (Bad Debt, Balance still owed.)

COLL = Seriously Delinquent, (usually sold to a collection agency).

REPO = Voluntary or involuntary repossession of merchandise. (usually associated with a vehicle)

BANKRUPTCY = Chapter 7, 11, 13.

SETTLEMENT = Paid less than full amount of debt owed.

JUDGMENTS, GARNISHMENTS, LIENS = Legally recorded.

DEBT MANAGEMENT/CREDIT COUNSELING = Enrollment in a financial help program that reduces interest rates and fees, implying you may be having financial difficulty, may also be reported as a third party paying your bills. Many prospective lenders will view this as a

Chapter 13 bankruptcy or hardship program.

DUPLICATE ACCOUNTS = (Same account reported more than once.) Implies you have more outstanding debt then you actually owe, and may lower your credit rating

Additional information on common negative marks:

1. Past due history: This is a history of the timeliness of your payments for each one of your listed creditors. The past due symbols will state the number of past due payments, if any, that were 30, 60, or 90 days old. These kinds of “dings” are the most common negative remarks and also have the highest likelihood of being erroneous.

Late Payments – If you have a late payment on an open account write a letter requesting a Goodwill Adjustment as a courtesy. Closed accounts the creditor may not be concerned enough to investigate.

2. Collections or P&L Write-Off (profit and loss) and Charge-Offs: Collections appear when your account has been turned over to a collection company for collecting. P & L Write-Off or Charge-Off appears on your credit report when one of your creditors has decided not to bother trying to collect the money from you. Rather, the creditor wrote your account off as bad debt.

Collections can be successfully disputed by requesting a debt validation. You should do this with the collection company and the credit reporting agency.

Charge-offs can be more easily disputed by disputing a piece of information within the listing as the date account opened, the balance, the high credit, etc. If any of this is incorrect it could have the entire listing deleted.

3. Inquiries: These marks result from potential creditors requesting your credit report. Whenever you or anyone else asks for a copy of your credit report, the request is supposed to be noted as part of your credit history. If you apply for lots of credit cards in a short time, this will produce a flurry of “inquiry” notes on your credit report. Lenders often turn this around and assume that a flurry of inquiries means you’ve recently applied for lots of credit, so they turn you down on that basis even though the inference is not strictly valid. Remember, they cannot request your credit report unless you have given them permission. Accordingly, review these inquiries for accuracy. Inquiries like these are referred to as “hard inquiries” and can decrease your credit score. “Soft inquiries” have absolutely no impact on your credit score. Viewing your own credit report is a soft inquiry. Other inquiries that you do not initiate such as an account review by an existing creditor or a promotional inquiry for the purpose of offering pre-approved credit are soft inquiries. Report checks by prospective employers or landlords are also considered soft inquiries. Potential creditors do not see soft inquiries and they do not affect your credit score. Inquiries are getting tougher to remove and it may be better to just send a letter directly to the company listing the inquiry demanding removal if they can’t produce your written authorization.

4. Public records: Bankruptcies, tax liens, judgments, foreclosures etc also appear on the public records portion of your credit report. These seriously impact your creditworthiness and you will want to look at these closely to see if you can find an error to dispute within the listing.

Easy to verify items like bankruptcies and foreclosures can be the hardest to get off your report. You may also find that in the case of bankruptcy you have several accounts reporting as “included in Bankruptcy”. If so, you may want to dispute the “include in bankruptcy “accounts first before challenging your bankruptcy listing for best results.

Look for collection accounts. Equifax lists them at the beginning of the report, Trans Union designates a section with all negative information and Experian gives a brief paragraph explanation of all accounts. There may be a collector’s name or account number you do not recognize. If you don’t recognize the account as being one of yours, please don’t assume that it is!

***If you have problems reading your report, contact the CRA as they are supposed to provide assistance. Or visit http://www.57daychallenge.com for more free credit info you can use to help you down your path.

About the Author

www.waterfieldcredit.com http://www.Eatmydebt.com

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Secrets To Get A Free Credit Report?

July 7, 2012 by admin

Article by David T. Johnson

Secrets To Get A Free Credit Report? – Advertising

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Free Yearly Credit Report: The Reasons Why You Should Get Your Free Copy

Whenever you use your credit card to purchase something, it will be recorded in your credit report. Another thing that will be recorded is your payment for your credit card bill. Whether you take out a new loan, refinance your mortgage or you take out a student loan, it will eventually make it to your credit report.

Basically, the credit report is your personal financial profile. Everyone who has ever had a loan, a credit card or similar others, you will see that they have a credit report.

The credit report is what creditors or lenders take a look at before they approve someone for the loan or credit card that they apply for. The fact that the credit report tells a lot about your loans and how you pay them, they will be able to know if you can be trusted to lend money to or not.

You have to remember that not everyone is a good payer. Some are lazy when it comes to paying off their loans and their credit card bills that they wait a week or even a full month before they pay while there are also others who doesn’t pay at all and suffer the consequences.

With a bad credit report, you will find it hard to get approved for a loan or a new credit card. And, even if you do get approved for a loan or a new credit card, you will usually have higher interest rates on the loan than what is offered to people with good credit report.

If you want to figure out what your credit report looks like, then you might want to try requesting for it from the three major credit reporting companies, namely the Experian, Equifax, and TransUnion.

Although there are quite a lot of websites that offer credit reports for people, you have to consider that most of these websites charge a fee for their service. You have to remember that you don’t have to pay to get a copy of your own credit score. In fact, the three major credit reporting companies themselves can offer you free credit report.

You need to remember that at least once a year, you can get a free copy of your credit report from the three major credit reporting companies. For most people, once a year is enough for them to check their credit report and their credit score.

However, it is recommended that you do a credit report check on your own credit report at twice a year. Although you will pay for the extra request, you will still be able to get the first request for free.

These are the things that you need to remember about credit report and how to get a copy.

As you can see, getting a credit report doesn’t need to be so expensive. In fact, it is quite cheap for you to obtain a credit report. You will be able to get a credit report for free at least once every 12 months and you will also be able to get it at a much lower cost.

Get the credit report from the three major credit reporting companies and they will be able to provide you with an accurate and reliable credit report.

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David T. Johnson

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Tri-Merge Credit Report Secrets?

July 1, 2012 by admin

Article by http://INFANTBREATHINGMONITOR.COM

Tri-Merge Credit Report Secrets? – Advertising

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Tri-merge Credit Report Info

Do you know what a tri-merge credit report is? Well, this is the tool used by credit companies and other financial institutions when evaluating a certain borrower credit. These credit companies are provided with different credit scores from the credit reporting agencies or bureaus. The overall score will be the average of the three credit scores. So basically, when you say tri-merge, these are the three credit reports from the three credit reporting companies.

Individual consumers can also get the three copies from the respective reporting agencies. They can compare the reports with one another so that they can better analyze their credit standing. They can use such information in making better credit decisions in the near future.

If you have not seen a tri-merge credit report before, it contains the name of the borrower, his or her address, social security number, age, birth date, marital status, and other personal information. All the pieces of information in the header are organized and concise. With just a glance, you can already see the three credit scores from Experian, Trans Union, and Equifax. The scores are usually bold for easy visibility. You can also find the open accounts, closed accounts, and derogatory accounts of the borrower but the accounts are usually summarized so that it is easier to read and understand. You can also find information regarding the inquiries. Public records are also included in the tri-merge credit report as well as footnotes. Along with credit report is the credit score disclosure.

That is the typical contents of the tri-merge credit report. As said awhile ago, credit companies usually use the reports for easy comparison of the different credit scores. The credit report is an essential tool for credit companies when they are still reviewing the credit status of credit applicants. This will generally serve as their basis for approving or disapproving credit applications; and if ever they do approve a credit application of an individual with a low credit score, the report will also be the basis for determining the interest.

Tri merge credit reports are sold to credit companies so that they no longer have to obtain individual copies from the three credit reporting agencies. This will save them time and money. Verification and review of credit applications are a lot faster because of the tri-merge reports.

Individual consumers who wish to obtain a tri-merge credit report can contact any of the credit reporting agencies or bureaus. If you want to inquire about the tri-merge credit report, you can call the agencies at their respective numbers: Experian 888-397-3742, Trans Union 800-916-8800, and Equifax 800-685-111.

Your queries will be best answered if you call their toll-free numbers. If you think that you need to look into your tri-merge credit report, perhaps you can ask for a copy of it. However, you will need to spend a certain amount of money because this is not your usual free credit report that is given once every year by the annualcreditreport.com. This credit report is a bit different from the ordinary credit report.

If you want to get the tri-merge credit report, make the necessary inquiry now. Credit companies on the other hand do not find it hard to obtain such copies because they can easily contact any of the three agencies. You need to conduct a bit of research before you can get a copy of the report.

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Surefire Ways To Repair Bad Credit Report

June 8, 2012 by admin

Article by Ferragus Lapointe

Surefire Ways To Repair Bad Credit Report –

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You can improve your credit report but there is no magic button that you can just push and makes all the negative items disappear. You must make the effort to remove the negative items. All this cannot be done overnight.

In this article, we will try to provide you some tips that you can use as a guide to fixing your bad credit report.

The first step you need to take is to get your full credit report from 3 credit reporting agencies. These three credit reporting agencies are: Experian, TransUnion, and Equifax. To contact them and get your credit report, you can use this website: http://www.annualcreditreport.com Note that you don’t need to pay any money to get your credit report.

Once you have got your credit report, go through it thoroughly and identify any item that you find strange or inaccurate. If you see items that you don’t recognize, don’t be afraid to dispute it with the agencies. Because the agencies will not know whether those are the legitimate items or not, only you will know about this. In order to fix your credit report you must be proactive, the credit reporting agencies won’t fix things if they don’t know about them.

When you find an item to dispute, you have a few options. You can mail a dispute form to the credit reporting agency. This is the method that we would recommend anyone to do. You can also dispute the information online with the credit reporting agencies, but it is not as reliable of a method, since you don’t have a good paper trail in case you need to follow up on items. Make sure you get yourself organized and make sure you have a good filing system. You must keep all the correspondences when you are disputing the items in your credit report so that you can keep track of them.

Be patient and give the credit reporting agencies sometimes to investigate the items you submitted to them. When they have finished with their investigation, they will send you a new credit report.

Now, make sure you go through the new credit report thoroughly and make sure you compare it with your old credit report. Some of the negative items should be disappeared. Again, don’t be afraid to call the credit reporting agencies to clarify something that you are unclear of.

Another thing you should remember is that never take this new credit report as the final one. Go through every item carefully and try your best to remove the negative items so that more positive items are shown in your credit report. That is how you fix your credit report, there is no short-cut!

So, if you want to fix your credit report, make sure you read this article again and follow the tips that we have just shared with you. We hope that you find this article on how to fix and improve your credit report useful. Remember that there are some works involved in fixing your credit report, there is no magic bullet to fix your credit report.

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Discover the secret of creating wealth online easily and quickly. Check out these links: Wealth in a Box Review and The Best Spinner Review.

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Ferragus Lapointe

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Think Once

Tag Archives: Credit

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