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February 16, 2012
January 17, 2012
Why Many “Free Credit Reports” Are Not Free
Why Some “Free Credit Reports” Are Not Free
Get we ever heard which catchy jingle about TV which talks regarding a free credit report? Did we consult more with a see with their website, just with be either dissatisfied, or worse, fooled into paying for anything which we thought was free? …
Read more on JD Supra (press release)
BBB Recommending Annual Credit Report Checks 01/17/12
The Better Company Bureau would like to remind customers regarding their free yearly credit report. The BBB states glancing at a credit report each year offers we a superior learning of the financial wellness. The 3 reporting agencies that provide free …
Read more on KOSA
Taking care of your credit report pays off inside future
The credit report plus credit score are a summary of the bill paying history which may affect a ability with buy products about credit. Taking care of the individual credit report plus score can help save you thousands of $ inside interest throughout a …
Read more on The Coloradoan
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August 11, 2011
National Credit Report Wants College Grads To Understand Their Credit Reports And Scores
National Credit Report Wants College Grads To Understand Their Credit Reports And Scores
Delray Beach, FL (PRWEB) June 4, 2010
NationalCreditReport.com, a leader in credit report, credit score and credit monitoring services, advises recent college graduates that it’s never too early to get a good understanding of their credit report and score.
“Young adults just graduating from college should realize that along with newly-found financial freedom comes quite a bit of financial responsibility,” said Ambrose, Vice President of Marketing and Operations for NationalCreditReport.com. “It’s never too early to start building good credit with the III major credit bureaus and protecting your identity.”
However, many college graduates are not clear on the fundamental details about credit and the information credit report bureaus begin collecting in their credit files from the time they open their first credit card.
“To begin understanding your credit report and score, you should know that there are three major credit bureaus, Experian™, Equifax™ and TransUnion™,” said Ambrose. “But since credit reporting bureaus are all separate entities, they may each have different information on you resulting in different credit scores.”
A credit file will contain information on the types of credit you have such as credit cards, your debt like outstanding student loans and credit payment history. They also contain housing information, employment history, your Social Security number and information that is public record including judgments, bankruptcies and liens.
Ambrose also notes that it’s not only lenders and creditors that can get your credit report from the credit reporting bureaus. Insurance companies, collection agencies, landlords and with a permissible purpose can access credit files. Even potential and current employers can check your credit file with your approval.
“Having a basic understanding your credit report and score is vital in building good credit. Good imputed can result in being granted better lent and lines of credit,” state Ambrose.
About NationalCreditReport.com
Since 2004, NationalCreditReport.com has specialized in providing credit information and credit monitoring services to consumers to help them understand their credit report and score. NationalCreditReport.com encourages consumers to check their credit report from each of the three major credit bureaus on a regular basis.
Contact:
Allison Tomek
NationalCreditReport.com
561-805-8000
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April 30, 2011
Access To Free Credit Reports Now Available To Everyone On Sept. 1
Access To Free Credit Reports Now Available To Everyone On Sept. 1
Manassas, VA (PRWEB) September 1, 2005
Finally, on Sept. 1, 2005, all U.S. consumers will be eligible to receive a free annual credit report from each of the three major Credit Reporting Agencies.
A recent amendment to the federal Fair Credit Reporting Act (FCRA) requires each of these nationwide consumer credit reporting companies to provide consumers with a free copy of their credit report, at their request, once every 12 months. The program has been implemented on a rolling schedule across the country with Sept. 1, 2005 as the deadline for full implementation. The FCRA promotes the accuracy and privacy of information in the credit report files of the nation’s consumer credit reporting companies.
Why is consumer access to credit reports important?
A credit report contains information on where people live, how they pay their bills, and whether they’ve been sued, arrested, or filed for bankruptcy. Nationwide consumer credit reporting companies sell the information in their credit report to creditors, insurers, employers, and other businesses that use it to evaluate their applications for credit, insurance, employment, or renting a home.
Collectively, this information is used to develop their credit score which forms a basis for lending agencies to determine the loan amount and interest rate for which they can qualify. The lower their credit score, the higher the interest the lending agency will charge them and the lower the loan amount will be.
Their credit rating can also affect their car insurance rates! So, it is important that consumers know what is in their credit files and if the information is complete and accurate. Access to their free credit report will allow consumers to know about any errors and take appropriate steps to correct them.
Consumers who wish to order a copy of their free credit report must go through the official website at http://www.annualcreditreport.com or call 1-800-322-8228. For more detailed information on how consumers can get their free credit report, they should read the free articles “Your Access to Free Credit Reports” available at http://www.the-credit-repair-center.com/reports/access-to-free-credit-reports.html and “Free Credit Reports – Have You Requested Yours? available at http://www.the-credit-repair-center.com/reports/free-credit-report.html
Warning, one word of caution here. Consumers should be sure that they are on the official website at http://www.annualcreditreport.com if making their request through the web because a number of impostor sites have shown up on the web. For additional information on potential scam sitting and the precautions to take when quest their free credit report, consumers should read “Free Credit Report Impostor Websites Springing Up on the Web” at http://www.the-credit-repair-center.com/reports/impostor-websites-spring-up-on-web.html
For additional information of credit reports and credit socres, visit http://www.the-credit-repair-center.com/reports/index.html
The Credit Repair Center at http://www.The-Credit-Repair-Center.com is a source of consumer information on personal finance management.
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©Copyright 1997-
, Vocus PRW Holdings, LLC.
Vocus, PRWeb, and Publicity Wire are trademarks or registered trademarks of Vocus, Inc. or Vocus PRW Holdings, LLC.
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April 19, 2011
Identity Theft Prevention | Credit Reports & Fraud Alerts
From the US Treasury Dept. Explains how to obtain free credit reports from the credit bureaus. Also explains how Fraud Alerts work and how to activate them. credit report online, free online credit report, credit free report score, 3 in 1 credit report, transunion credit report, creditreport.com, credit report personal, national credit report, cic triple advantage credit report, free annual government credit report Identity theft is a serious crime. It occurs when your personal information is stolen and used without your knowledge to commit fraud or other crimes. Identity theft can cost you time and money. It can destroy your credit and ruin your good name. Deter identity thieves by safeguarding your information. ■ Shred financial documents and paperwork with personal information before you discard them. ■ Protect your Social Security number. Don’t carry your Social Security card in your wallet or write your Social Security number on a check. Give it out only if absolutely necessary or ask to use another identifier. ■ Don’t give out personal information on the phone, through the mail, or over the Internet unless you know who you are dealing with. ■ Never click on links sent in unsolicited emails; instead, type in a web address you know. Use firewalls, anti-spyware, and anti-virus software to protect your home computer; keep them up-to-date. Visit OnGuardOnline.gov for more information. ■ Don’t use an obvious password like your birth date, your mother’s maiden name …
Video Rating: 5 / 5
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April 16, 2011
Total Credit Reports Unveils Discussion Forums for Credit Reports and Credit Scores
Total Credit Reports Unveils Discussion Forums for Credit Reports and Credit Scores
(PRWEB) May 31, 2005
Total Credit Reports has launched an online discussion forum dedicated to attributed-related topics. Discussion topics include credit reports, the credit bureaus, credit scores, credit repair, loans, credit cards, bankruptcy, divorce, and other topics related to consumer credit.
“These new forum will serve a place where people can openly discuss their experiences with the American credit system,” said Dave Bascom, owner of Total Credit Reports, “It’s part of our mission to provide a comprehensive resource where people can learn how the credit reporting system works. This is something that touches everyone’s life, but very few people understand what goes into a credit report or a credit score. The forums will allow site visitors to share knowledge and experience so we can all learn more about how it all works.”
Since November 2004, millions of consumers have begun requesting their credit reports from the three credit bureaus. After June 1, residents of all but the Eastern states will have access to one free annual credit report per year. Although the new credit reporting law gives consumers more access to their personal credit reports, there is still a lot of confusion about how to read and understand the reports. There are still a lot of aspects of credit reporting that are misunderstood by most consumers. The purpose of Total Credit Reports’ new discussion forums is to provide a venue to discuss important credit issues related to credit scores, credit reports, loans, and other credit-related topics. Visitors to the forums are free to ask questions or discuss problems they’ve had as they request their free credit reports or try to get inaccurate information fixed on their credit report.
Anyone who visits the credit report forums at http://www.totalcreditreports.com/forum/ can post a question, comment, or response to other people’s messages. Total Credit Reports staff will moderate the message boards and answer any questions that go unanswered by site visitors.
Total Credit Reports is a website that was created in 2004 to help consumers learn about credit reports, credit scores, and other credit issues. Total Credit Reports also offers a news blog featuring credit-related news and current events.
For more information visit:
http://www.totalcreditreports.com/forum/
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©Copyright 1997-
, Vocus PRW Holdings, LLC.
Vocus, PRWeb, and Publicity Wire are trademarks or registered trademarks of Vocus, Inc. or Vocus PRW Holdings, LLC.
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