Free Credit Reports Available in the Southern States Starting June 1
(ContentDesk) June 3, 2005 -- Pursuant to the Fair and Accurate Credit Transactions Act (FACTA) passed by Congress in late 2003, consumers in Alabama, Arkansas, Florida, Georgia, Kentucky, Louisiana, Mississippi, Oklahoma, South Carolina, Tennessee, and Texas will be eligible for their free annual credit reports on June 1, 2005.After that date, consumers in those states may apply for their free reports online at www.annualcreditreport.com.
This annualcreditreport web site is a joint venture of the three national credit bureaus Equifax, Experian, and Trans Union. The construction and design of the site were specified by FACTA and approved by the Federal Trade Commission.For consumers without Internet access, you may call 1-877-322-8228 for your free report.
Or you may request an application for your free credit report by mail from:Annual Credit Report Request ServicePO Box 105281Atlanta, GA 30348-5281The Southern States join the Western and Midwest States in being eligible for their free annual credit report.
On September 1, consumers in the Eastern States, Puerto Rico and the U.S.
Territories become eligible.The issue of ordering your credit report and monitoring your credit is especially important in light of the recent incidents of unauthorized access to databases containing sensitive consumer information.
While these unfortunate crimes underscore the difficulty of defeating criminals intent on stealing your personal information, it also reminds all consumers to take steps to safeguard their credit as much as they are able.
At a minimum, consumers should check their report annually for inaccurate information and for unusual or unauthorized inquiries into their credit.For consumers not eligible for their free credit report under FACTA, there are numerous alternatives to check their credit report online and by mail from www.Creditreporting.com.
Choices include a free credit report offer, a credit monitoring service, and merged 3 bureau credit reports with credit scores that include information from the three national credit bureaus..
How To Report An Error On Your Credit Report
Have you been turned down for a loan recently? Have you applied for store credit and been refused? Did you really want that car and find out that because of your 'credit score' that they would have to require an unreasonable down payment? Credit reports are designed to help businesses evaluate the risk factor in giving you money or valuable products on a line of credit. The Fair Credit Reporting Act promotes the accuracy, fairness and privacy of information in the files of the nation's credit reporting agencies. The act is enforced with regard to the consumer's rights and requiring new responsibilities for the credit reporting agencies. For example, a reporting agency must give you a copy of your report and they must provide a list of every inquiry about your credit report within the last year. The agencies collect data on personal identification (name, address, social security number, current employer, etc), payment histories with all current and closed lines of credit that details...
How To Report An Error On Your Credit Report
Credit report > How To Report An Error On Your Credit Report
Free Credit Report And Score
A credit report is document that contains the record of a person's credit payment history. A credit report typically contains four kinds of information: identifying information (your name, your current and previous addresses, your social security number, your year of birth, your current and previous employers, if you're married, your spouse's name), credit information (with banks, retailers, credit card companies and other lenders), public record information (bankruptcies, tax liens and monetary judgments), and inquiries relating to other credit grantors. The credit report can be viewed by creditors to determine a person's creditworthiness. It can also be analyzed by employers and land lords for knowing a person's credibility.
The credit score is a three digit score which is based on the credit reports.
It can be considered to be a summary of the credit report. The credit score ranges between 300 and 850 wherein a score below 600 is considered "bad" while a score...
Free Credit Report And Score
Credit report > Free Credit Report And Score
Top 5 Credit Misconceptions
We have all heard the rumors?from neighbors, relatives or friends. There are a wide variety of myths floating around about what you should and shouldn't do to improve your credit reports and credit scores. The buck stops here! Phelps Creek Financial Coaching has exposed these urban legends to provide you with the truth about credit: 1. Your score will drop if you check your credit - Fortunately, this one is definitely not true.Checking your own report and score is counted as a "soft inquiry" and doesn't harm your credit at all. Only "hard inquiries" from a lender or creditor, made when you apply for credit, can bring your credit score down a few points.
Worried about damaging your credit while shopping around for a loan? Multiple inquiries for the same purpose within a short amount of time (a few weeks) are grouped together into a less damaging period of inquiry.2. Closing old accounts will improve your credit score - To close or not to close, that is the question....
Top 5 Credit Misconceptions
Credit report > Top 5 Credit Misconceptions
How To Repair Your Credit Report
A credit report is run on a buyer when he or she needs to buy something that will take a long-term loan, such as an automobile or a house. The credit report can come from one of three agencies ? Equifax, Experian, and Trans Union. Each of these three agencies uses their own techniques of arriving at a credit score and receiving credit information, so attention should be paid to all three. A credit report score can go up to 800, and an increase of 50 points is a big one, enabling borrowers to get loans they previously were denied, and getting loans at much better interest rates. A 1% drop in an interest rate on a $150,000 house, for instance, may drop a payment by over $100 a month, saving the borrower over $35,000 over the life of the 30-year loan.Each of these credit agencies have taken all the financial information they can find about you and tabulated a credit score from those results.
Information will include your current and previous home addresses and employers, the credit...
How To Repair Your Credit Report
Credit report > How To Repair Your Credit Report
Fixing A Credit Report - Quickly
Fixing a credit report starts with seeing what's on it. You may get access for free online. Try a search for "free credit report." Alternately, when you are denied credit based on a report issued by a local credit reporting agency, you can request a free credit report from that agency within 30 days. A quick look and you'll have an idea why you were denied credit. Now how do you fix what you see? What if you find incorrect information on the report? What if you want to change information that is accurate, but unfair?First, if there is anything you want to dispute in the report, you can write a letter to the agency.
Tell them exactly what is incorrect, and they must investigate. Send copies of any documentation, such as canceled checks, and send it all by certified mail.The agency must contact the source of the disputed information. If they recieve no confirmation within 14 days, they must delete the item from their files, and send you an updated report. You can demand that they...
Fixing A Credit Report - Quickly
Credit report > Fixing A Credit Report - Quickly
Credit Report ? Watch Out for Parking Tickets
The economic downturn of the last five years has affected millions of Americans, but it has also affected the budgets of states, cities and counties. With limited tax dollars with which to work, various government entities have had to try to stretch their budgets to allow them to continue to function. Many government agencies at the state and local levels have turned over debt collection to collection agencies, even for such seemingly small debts as parking tickets or library fines. What does this mean? An unpaid parking ticket could end upon on your credit report.Credit reports and the associated FICO credit score have become an increasingly important part of the lives of Americans. At one time, the credit report was primarily used by mortgage lenders to determine if a prospective customer should be granted a loan.
In recent years, the credit score and report have been used for an increasingly large number of uses by all kinds of companies. Employers use them to avoid hiring...
Credit Report ? Watch Out for Parking Tickets
Credit report > Credit Report ? Watch Out for Parking Tickets
loans Free Credit Reports Available in the Southern States Starting June 1 Credit report
Download2MP3.com Classical Collection Completed Today
One hundred and fifteen MP3 tracks - original arrangements of music by twenty five Composers have now been uploaded. This collection is equivalent to around 10 CDs - available to buy and download at reasonable prices on a pick and mix basis at Download2MP3.com. (For all tracks a short 'LoFi' MP3 sample is provided to guide your selection.)The composers came from France, Germany, Austria, Czech Republic, Poland, Russia and Italy and worked in the eighteenth and nineteenth centuries. Many visited,...
Download2MP3.com Classical Collection Completed Today Free Credit Reports Available in the Southern States Starting June 1 Credit report
Credit report > Download2MP3.com Classical Collection Completed Today
Plasma TV or LCD - Which Should You Choose?
When it comes to high quality flat screen TVs, there are a number of choices available these days and the technology is constantly improving. However, as each competing TV screen technology matures and improves, the differences between them become more difficult to detect. And so it is with the comparison between LCD and plasma TVs.
The big advantages of both kinds of TV monitors is that they are very thin, only a few inches thick. Because of that you can choose to either place...
Credit report > Plasma TV or LCD - Which Should You Choose?
Free Credit Reports Available in the Southern States Starting June 1 Credit report
Five Simple Ways to Organize Your Closet Today!
Do you have an overstuffed, bulging closet (or two) full of clothes, and yet wear the same three or four outfits repeatedly? Do you have few clothes and despair every time you put something on because you know it just does not look quite right? Would you like to be able to wear EVERYTHING you have in your closet? And know that you look good every time you do?, a certified image consultant and the owner of Flair Consulting in Philadelphia, PA, works with men and women to help them put their best...
skirts Five Simple Ways to Organize Your Closet Today! Free Credit Reports Available in the Southern States Starting June 1 Credit report
Credit report > Five Simple Ways to Organize Your Closet Today!
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