free copy of credit report – equifax experian trans union

February 26, 2011

Information Found in a Credit Report

Filed under: Finance — Tags: , , , , , , , , , , , , , , — admin @ 8:55 am
Joseph Barker asked:




In addition, a credit report might contain the following information about you:

Personal Identifying Information:

February 22, 2011

Why I Often Get a Free Copy of My Credit Report – Importance of Getting a Free Credit Score Report

Filed under: Finance — Tags: , , , , , , , , , , , , , , — admin @ 8:28 pm
Bob Randooke asked:




We live in very tough economic times, and it is especially important that we take care constantly monitor our financial positions, and one of the best ways to stay on top of things is to keep an eye on our credit score. I know that for me that means going online to get a free copy of my credit report. Getting a free FICO score report is actually very easy, especially when you let your fingers do the talking online. Ever since the government passed a law that allows us to get a free credit score report annually, there are no excuses for us not to get this done.

Before I get a free copy of my credit report sent to me online, I make sure that I state specifically that I want the report sent from all three major credit monitoring companies, and they are Equifax, TransUnion and Experian. This is important because each of these three credit monitoring companies usually place importance on different financial criteria. Let’s say for instance, that in your Equifax credit report they assigned you a FICO score of 720, while Experian on the other hand gave you a FICO score of 705. If you only requested a credit report from Equifax, you would not have known that another major credit monitoring company gave you a score of 705.

Monitoring your credit score is also very important because you never know when you’ll need to take out a loan. The higher your credit score is the lower the interest rates and monthly payments will be for you. Most people get this done at least once a year but because we live in such harsh financial conditions it is very important to get a free credit score report at least two times a year, but for me since I’m actively looking for business I generally check my credit score once every quarter. I could never emphasize the importance of due diligence in this area.

Janice

Order Your Free Credit Report Online And Be Prepared

Filed under: Finance — Tags: , , , , , , , , , , , , , — admin @ 4:08 am
Christopher Peter Allinson asked:




If you only check your credit once or twice a year, or never, you may find yourself in a very embarrassing situation at some point. Imagine sitting with the salesman that just sold you the awesome car of your dreams. He is getting paperwork ready for you to sign when your report comes through. Suddenly, everything is put on hold because of your terrible credit. You will wish you had ordered your free credit report online.

This is not the only thing that can happen to you when you have no clue what your credit is like. You can be turned down to rent a place to live in and for other things that you need and want. If you had only known what was in your credit report, you would not be going through this.

When you do not know what kind of credit you have, it is simple for someone to steal your identity. If you are not paying attention to your credit, your life could be over, financially speaking. To prevent this atrocity, you need to get your free credit report.

Nothing has ever been simpler than getting a copy of your report. All it takes is visiting one of the more reputable websites that offer this. While most of them will require a registration and a monthly fee, your first credit report will be free as a part of their trial period.

Another way to get a free report is to contact your government agency that handles these things. Most governments allow you to get at least one free copy of your credit report annually. This one will be completely free. However, it is highly recommended that you make a point to see your credit report more often than that. It only takes a thief a day to steal your identity.

Credit is so important these days that I highly recommend that you go out today and get all the information you need so that you don’t get any nasty surprises in the future when you try to buy something on credit.

Charlotte

February 10, 2011

Bad Credit Repair – Understand Your Credit Report

Filed under: Finance — Tags: , , , , , , , , , , , , , , — admin @ 8:51 am
Ken S asked:




Due to changes made to the Fair Credit Reporting Act as of December 2003, the three credit bureaus TransUnion, Experian and Equifax are now required, at your request, to provide you with an official credit report, at no cost. This is allowed once every 12 months. You are encouraged to take advantage of this, and make sure that what is getting revealed to lenders and potential employers is totally accurate information.

With identity theft at an all time high (40 million Americans had their identities stolen a few weeks ago in the biggest case of identity theft in American history), it is very important to ensure that your credit report is correct. There are millions of people in need of bad credit repair that may not even know it because their credit reports have been compromised by identity thieves.

Before you can understand your credit report, you must obtain it. It is very simple to obtain a free copy of your credit report. You can use three different methods:

1. You may contact each of the three credit reporting bureaus directly either by phone or in writing:

Equifax

P.O. Box 740241

Atlanta, GA 30374

1-800-685-1111

Experian

P.O. Box 2002

Allen, TX 75013

1-888-397-3742

TransUnion

P.O. Box 1000

Chester, PA 19022

1-800-888-4213

2. You may use AnnualCreditReport.com and make your inquiry online.

3. You can call the toll-free Annual Report number at 877-322-8228 for more information.

Once you have your credit report in hand, how do you read it? There is a lot of information in these reports and it can be confusing. To begin your bad credit repair, you must be able to understand your credit report, right? Here is an outline of the information it contains:

The I.D. Section. This is where any information regarding your name, home address, social security number, date of birth, and spousal information (if applicable) is located. You will want to make sure this information is correct, because these are the components that define you.

Credit History. This is the main part of your report. You will want to examine this very closely and take your time. Any information that is incorrect should be disputed immediately. It will have a complete list of your open and paid credit accounts. Any late payments made will also be listed here. For each account, the following will be listed:

1. Company name

2. Account number

3. Your responsibility on the account i.e. individual, joint, co-signer, etc.

4. Date the account was opened

5. Number of months the account history has been reported

6. Last activity which will be your last payment or last charge

7. High limit – the highest amount your account has reached

8. Terms – if this is a car loans, the length of your loan may be included

9. Balance due on account

10. Past due amount at the time of the report

11. The type of account it is – revolving (like a credit card), installment (like a car or home loan) or open (like a line of credit)

12. Date reported – the last time your account information was updated on the account by the creditor

Collections Accounts. If any of your accounts have gone to collections in the past seven years, they will be listed here. If there is something that looks unfamiliar to you, it is important to dispute this immediately.

Courthouse Records. This is also known as public records. If there have been any judgments on any of your accounts i.e. bankruptcy records, child support settlements or any court-decided accounts, they may show up in this section. Again, inaccuracies should be disputed immediately.

Inquiries. This section will contain information on companies that have checked your credit in the last 24 months. Again if a company or inquiry looks unfamiliar, you will want to investigate this and see why this company is checking your credit. Multiple inquiries can decrease your credit score.

If you have been denied a loan, credit, or employment because of your credit score, do not be afraid to ask for information about it from whomever denied you. It is important to know what is being seen by potential lenders and employers, because what they see results in the approval or denial you will get.

If any portion of your credit report is inaccurate, or if you have outstanding debts, you should immediately begin the process of bad credit repair Higher credit scores will lead to more loan, credit card, and employment approvals along the ability to qualify for lower interest rates and money-saving promotions (such as cash-back, 0% APR, and travel rewards). Your credit report is very powerful and can impact your quality of life. Understand your credit report and take control.

-Ken S

February 9, 2011

How to Get Your Free Credit Report With No Strings Attached

Filed under: Finance — Tags: , , , — admin @ 5:44 am
Brandon Cornett asked:




Yesterday, I received the following question from a confused consumer through my Credit Help Q&A blog:

“I see a lot of offers for free credit report online, and even on TV commercials. But whenever I visit the actual website and read the information there, it seems like I have to sign up for something and pay a fee. Is there any way to get my free reports with no strings attached? Where do I go?”

If you share this reader’s confusion, let me start by saying you are not alone. This is one of the most common questions I receive from consumers, and it’s easy to understand why. I see those “free credit report” commercials on TV all the time. Sometimes I can’t even get that song out of my head, but that’s another subject entirely. I also encounter a ton of banner ads for companies who offer the same thing online.

But therein lies the confusion. Some of them charge a fee, while others do not. Some offer credit scores and other items in addition to the reports. It’s completely confusing, so I am happy to set the record straight.

Here’s what you need to know:

The Only Website Recommended by the FTC

By law, you are entitled to one free credit report per year, from all three of the companies who maintain them. This includes TransUnion, Equifax and Experian. These are privately-held companies who maintain historical financial data on U.S. consumers. When you apply for a car loan or a mortgage loan, and the lender “checks your credit,” this is who they request the information from.

The companies mentioned above have a joint website through which you can request all three of your reports at once. The website is AnnualCreditReport.com. In terms of getting your reports for free, this is the only website that the Federal Trade Commission (FTC) endorses and recommends.

Your Score Comes Separately

Your credit score is a different story. You will have to request it separately, and you will probably have to pay for it. This is where a lot of people get confused, and I think product marketing is the problem. Many companies will actually package all of this information together and then add on some kind of credit monitoring / identify theft prevention service. So they use the “free” credit reports and scores as an enticement, but then you find out you have to sign up for the monitoring service in order to get the freebies. Like I said, it can all get pretty confusing!

That’s why I used the phrase “no strings attached” in the title of this article. To the best of my knowledge, the only place where you can get a totally free credit report with no strings is through the jointly owned website mentioned above – the one recommended by the FTC. Hopefully this will alleviate your confusion once and for all.

Eva

February 7, 2011

Bankruptcy Credit Report – When Does a Bankruptcy Come Off My Credit Report?

Filed under: Finance — Tags: , , , , , , , , , , , , — admin @ 9:08 am
Rene C. Alexander asked:




After bankruptcy a credit report doesn’t automatically start to go up. My credit score was affected, as I expected it to happen, when I filed bankruptcy. What I didn’t expect was to have the same collections and charge offs being reported, still as collections and charge offs a year after my case was discharged. Not only did I have the bankruptcy but now I was still showing collections. It wasn’t until then that I really started to consider how long it was going to take for that bankruptcy to come off my credit report and it became obvious that I was going to have to address what was left behind.

I researched before I filled how long it would take for the bankruptcy to come off my credit report and if there was any possibility to have it removed. After doing this I was convinced that there was going to be at least a 10 year period that I was going to have to wait to see it come off my report and have a clean credit report again. Though it was tough to make the decision, I couldn’t continue to deal with the debt, the damage that it was doing to my family and I had reached its limit and I decided to file the bankruptcy.

My experience with having the bankruptcy removed from my credit report came by accident. I was addressing the mistakes on my report when I was told that the bankruptcy might be a candidate to be removed. Bankruptcy and a credit report usually go hand in hand, for ten years, by what I understood. The possibility of having it removed was news to me, being that I hadn’t considered trying to have it removed.

It wasn’t until I talked to a professional about my situation that I got some information that I missed while doing research myself. I also learned that I don’t have to wait 10 years to do anything with credit. I was under the impression that the black mark on my credit would prevent me from owning a home again and having credit for ten years. When I realized I could apply for credit in spite of the bankruptcy I was very surprised and hopeful of owning a home in as little as three to five years.

Don’t assume that a bankruptcy is the end of your credit report. There are options.

Christian

February 6, 2011

Disputing Items On Your Credit Report

Filed under: Finance — Tags: , , , , , , , , , , , , , , — admin @ 12:10 am
Thomas Morva asked:




The Fair Credit Reporting Act (FCRA) regulates the quality of a credit report and any errors occurring in the report should be corrected immediately so that future financial disasters can be avoided. Under the FCRA, the credit reporting companies as well as the person concerned are responsible for correcting the mistakes in a credit report.

Proactive action is the best method for disputing any of the items in a credit report. A letter should be sent to the consumer reporting company stating the inaccuracies or discrepancies in a credit report. A copy of the documents that prove the inaccuracies in a report should also be attached to the letter. It is important to keep receipts of the certified mail in case it is required as a proof in further investigations.

The consumer reporting company must oblige within a month and correct the inaccuracies present in the report. If there are no inaccuracies then a letter intimating the concerned person ought to be sent. However, if the consumer reporting company does find any mistakes then a written notice must be sent to all three consumer reporting companies stating the exact inaccuracies in a report.

If the disputed items are corrected then the company is legally bound to send a corrected copy of the report to the consumer. This free report does not count as a person?s annual free report. If an item is changed or erased, the consumer reporting company cannot put the disputed information back in the file unless the information provider verifies that it is precise and comprehensive. The consumer reporting company must also send a written notice that includes the name, address, and phone number of the information provider.

If an investigation does not resolve the dispute with the consumer reporting company, then a person can ask that a statement of the dispute be included in the consumer?s file and in future reports. The consumer can also ask the consumer reporting company to provide your statement to any party who received a copy of the report in the recent past.

Thelma

February 3, 2011

Credit Repair – What You Should Know

Filed under: Finance — Tags: , , , , , , , , , , , , , , — admin @ 7:47 pm
Seth Lewis asked:




When doing credit repair, you can find all kinds of advice on how to send your letters. If you are surfing the web looking for information about credit repair, you will find free credit repair letters at several sites, but you will also find that there are software programs with “fill in the blank” type letters. Before you buy one of the many credit repair kits that are available on-line, there are certain sites you should visit to view and print the information that is included on your credit report.

One of the credit repair secrets that companies are selling is information about obtaining your credit report. Some companies charge for credit repair information, giving you what amounts to helpful hints; where to get your credit report; how to write a letter and other so called credit repair information that you can find on your own for free. If you have any “proof” that the information is inaccurate, (statements, cancelled checks, the “proof” depends on the individual item) list it here and enclose a copy of this material with your credit repair letter.

If you have any “proof” that the information is inaccurate, (statements, cancelled checks, the “proof” depends on the individual item) list it here and enclose a copy (not the original). Online credit repair services, as the name suggests, help customers improve their credit ratings by removing inaccurate, false or misleading information from their credit reports. Consumers have the right to dispute any information contained on their credit reports that they believe to be inaccurate, misleading, outdated or unverifiable.

If any information on your credit report is inaccurate, out-dated, unverifiable or misleading, you can dispute this information. The portion of the FCRA which relates directly to attempts to legally repair credit scores has to do with disputing inaccurate, unverifiable, misleading and outdated information included in one’s credit report. The next thing to learn about how to repair credit scores is how to report inaccurate information.

The next step towards credit repair is to report inaccurate information to the credit bureau. It is legal to attempt to repair your credit rating on your own by having false, out-dated or inaccurate information from your credit report. A legitimate credit repair company with legal professionals who specialize in credit issues can request that damaging information be removed from your credit report.

Most credit report repair services offer to assist individuals in getting certain information removed from the files maintained at the various credit bureaus. According to the information released by the FTC, the national credit repair agency claimed to own a unique and valuable software system that could remove any information from a consumer’s credit report. For more information about credit repair software, for general information about credit repair and for links to relevant sites, visit the Credit Repair Blog.

For more information about credit repair kits and general information about credit repairs, visit the Credit Repair Blog. For more information about credit repair lawyers and general credit repair information, visit the Credit Repair Blog. For more information about Lexington credit repair, visit the Credit Repair Blog.

For more information about how to repair bad credit, visit the Credit Repair Blog. For more information about how to repair your credit, visit the Credit Repair Blog. For more information about credit repair law, visit the Credit Repair Blog.

For more free credit repair secrets, visit the Credit Repair Blog. Where to find a secured credit card and where to get the best deals on credit cards are two more “reports” included in this credit repair kit. More information included in the credit repair kit; how to obtain your credit reports.

Before you engage a credit repair service, obtain copies of your credit reports from the three major credit bureaus. The first step towards credit report repair is to obtain copies of your credit reports from the three major credit bureaus. For more information about credit report repair services, visit the Credit Repair Blog.

For more information about credit repair specialists, visit the Credit Repair Blog. The writers and editors of the Credit Repair Blog are dedicated to providing accurate information about credit repair issues. The writers and editors of the Credit Repair Blog are dedicated to providing accurate information about credit repair forms and other credit repair issues.

The writers and editors of the Credit Repair Blog are dedicated to providing accurate information about credit repair. The writers and editors of the Credit Repair Blog are dedicated to providing accurate credit score repair information. The writers and editors of the Credit Repair Blog are committed to providing accurate information that can help you repair credit score issues.

The writers and editors of the Credit Repair Blog are committed to providing accurate information about self credit repair and other credit repair issues.

Beverly

February 2, 2011

Three Reasons Why Collection Accounts Can Be Removed From Your Credit Report

Filed under: Finance — Tags: , , , , , , , , , , , , , , — admin @ 9:49 am
Tony Banks asked:




Not many people know that it is possible to get negative entries placed by collectors off from their files. There are two instances when you can have it pulled off.

One instance is when the listing belongs to someone else and it is erroneously placed on your file. The only way you can know if such mistake has found its way into your credit file is to get a copy of your report. Your file should be three fold because three bureaus are authorized to compile and calculate the performances of consumers. These bureaus are, Experian, Transunion, and Equifax.

Another instance when you can demand that a negative entry be eliminated from your file is when it has exceeded its duration. According to law, collection accounts can only spend a period of seven years and six months on your report. Bureaus usually don’t delete these entries from files after the expiration of their time. It is up to you to do this yourself if you are using the do-it-yourself method or the repair services agency if you choose to contract the repair task to an agency.

And the third, which is my favorite, is when the collector cannot properly verify to the bureau the accuracy of the item. When you dispute the entry, the bureaus must contact the collector for proof. If this is not sent back to the agency within a specific timeframe it must be deleted from your report, as long as the item is unverifiable it must go!

You can outsource the services of a repair firm or take the reins by learning the process yourself in order to get negatives or errors removed from your file. Taking either of these two steps will do exactly that in addition to increasing your score.

The easiest way to eliminate errors and expired entries from your file is by writing a dispute letter to the bureau that recorded it on its version of your report. In your dispute letter, you should notify them of that the account does not belong to your file and thus, they should delete it immediately.

Paul

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