Archive for December, 2009

Isn’t there a way to get your credit report free (from all three of the main agencies or whatever they are) ?

December 27th, 2009
Restless S asked:


I know there is, but I can’t remember how or where. You are supposed to be able to get it free once a year, I think.

Frederick
Posted in Credit 4 Comments »

All About Free Credit Reports

December 22nd, 2009
S. Michael Windsor asked:


All About Free Credit Reports

Obtaining a free credit report is not a daunting task. However, finding the right way that best suits you can save you a lot of time and money when looking into your credit score. There are several ways to get a free credit report. One of the ways is simply visiting one of the three credit reporting companies and simply following their directions at their website. In many cases the free credit report will be provided in exchange for a free trial on your part or something very similar. While this is not necessarily a problem as it has a 30 day money back guarantee period or similar, it can be a slight drawback since there is a bit more responsibility on your part. But, realize that during these 30 days you can really look into your credit report and utilize the additional services these companies can provide at no cost! Now that is a great deal. Better than just a free report with nothing else.

Other ways of obtaining just a free annual credit report can be through the Federal Trade Commission (FTC). If you go to the FTC website and follow the necessary links, you will end up at a form which you must fill out and submit to the FTC. The information the commission wants from you is your name, address, Social Security number, and date of birth mainly. After filling out the form, you can send it over to Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281 and wait for a credit reporting company to respond as opposed to instantly through the credit reporting companies directly.

For individuals who have been denied credit or similar, they are provided a free credit report through the inquiry on the part of the lender, insurance company or even employer. After receiving this notice, the person inquired upon has the opportunity to receive a free credit report from the company who provided the organization with your credit report. In addition, if a person is currently unemployed and planning on getting a new job within 60 days or are on welfare, they are eligible for a free credit report as well.

Having a good FICO credit score and clean credit report is very necessary in order to obtain quality loans, jobs, insurance, even places to live and it is very important to look at your credit more than just once a year. Monitoring your credit regularly will allow you to find any negative marks and/or errors due to such things as identity theft immediately. It can be quite astonishing how fast unnecessary items can appear and quickly lower your credit score. Many people don’t even notice this until either they get an annual report, if they do, or apply for a loan and discover the problem. Take advantage of the no cost trials consumer credit reporting companies provide and see how easy monitoring your credit can actually be.



Audrey
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I am allowed 1 free credit report per year, right? Where do I go to get it?

December 21st, 2009
asked:


I don’t see any mention of a free annual credit report on either of the three major credit reporting agencies websites (experian, trans union, and equifax.

Michele
Posted in Other - Pregnancy & Parenting Tags: , , , , , , , , 7 Comments »

Is there a huge difference between a FICO credit score and the score given by the 3 credit bureaus?

December 21st, 2009
lamontsmith13 asked:


I’ve already gotten my free credit reports from annualcreditreport.com but now I’m looking to monitor my credit score periodically from all three bureaus. I know that FICO is probably the biggest credit score service is their number that much different than what I’d get from the credit score source that Equifax, Experian and TransUnion use?

I just don’t want to pay so much more for nothing. If FICO says my Experian credit score is 700 and I go to Experian.com and their service says my score is 692, I don’t see the difference.

Thanks.

Wendy

Posted in Credit Tags: , , , , , , , , 7 Comments »

How does one deal with a debt that you have not had a bill for in over three years?

December 14th, 2009
immortal.beloved asked:


Three and a half years ago I had a stay in a local hospital. I received bills over the next two months, and paid every one of them. After about 6 months I stopped receiving bills, and when I inquired as to why, I was told that the section of the hospital I had stayed in had closed down and they didn’t know anything about the bills. Since it was closed down there was no number available to call regarding the debt. I never received another bill from them.

This morning when I ran my annual free credit report a debt for $1,174 came up as being owed to that hospital for my original stay but it said there was nothing past due. It is assigned to some credit company in Cali, but they have NEVER contacted me. I have not moved since I stayed in the hospital, my phone number has not changed.

My family, have all used this hospital a few times since this initial stay, and have always paid the bills we received. So I am more than surprised to see this on my report.

What should I do?

Mathew

Posted in Credit Tags: , , , , , , 5 Comments »

How Do you Obtain your Equifax Free Credit Report?

December 12th, 2009
Helen March And Karen Ciancio asked:


Equifax, Experian, and TransUnion are the 3 major credit bureaus and are required by law (Fair Credit Reporting Act – FCRA) to provide you with a free annual credit report at your request.

Once every 12 months you can request a free copy of your credit report. Your credit report includes information on where you live, how you pay your bills, whether you’ve been sued, arrested, or whether you have filed for bankruptcy.

The 3 major credit bureaus sell the information in your report to your creditors, your insurers, employers, and other businesses. Those businesses use your report to assess and evaluate your applications for credit, insurance, employment, or even renting a home…

You are also entitled to one Experian, TransUnion or Equifax Free Credit Report during any 12-month period no matter where you live, if:



You are unemployed and intend to apply for a job in the next 60 days.

You are on public welfare assistance.

You believe your credit report contains inaccurate information due to fraud.

You have received notice of an adverse decision within the past 60 days:

You were denied credit

You were denied insurance coverage

You were denied employment



Otherwise, each of these 3 major credit bureaus may charge you up to $9.50 for another copy of your report within a 12-month period.

You can request a copy of your Equifax free credit report here:

Equifax Information Services LLC

P.O. Box 740241 Atlanta, GA 30374

or call 800-685-1111

Another alternative is to print out the Annual Credit Report Request Form at the FTC (Federal Trade Commission) site and when filling out the form, be sure to mark only the Equifax free credit report. (Save the free report requests from TransUnion Credit Bureau and Experian Credit Bureau for another time.)

The FTC (Federal Trade Commission) recommends that you obtain an application for the free annual credit reports through:

annualcreditreport.com or

Call: 1-877-322-8228 or

Mail the request to:

Annual Credit Report Request Service,

P.O. Box 105281,

Atlanta, GA 30348-5281.

For more information on your rights and application to access to your Equifax free credit report, visit the FTC site at ftc.gov.

Your Equifax free credit report is a snapshot of your borrowing and bill paying behavior over the last 24 months. The report will provide you with a credit score. With careful planning and as time goes by you have the power to change it for the better.



Micheal
Posted in Credit Tags: , , , , , , , , , , , , , , Comments Off

Make Good Use of Your Annual Free Credit Report

December 11th, 2009
Steve Evans asked:


u can use your credit report you need to get yur report. Reports are available on request. Free credit reports requested by phone or mail will be processed within 15 days of receiving your request. Such reports were mandated by a federal law enacted in 2003. The program has all now been implemented.

AnnualCreditReport.com is reportedly the only official site where you can get a genuinely free copy of your credit report from all three reporting agencies. And if you/\’d rather order your free credit report by phone or by mail, you can do that too . AnnualCreditReport.com processes requests for free credit file disclosures (commonly called credit reports). I have been told that under the Fair and Accurate Credit Transactions Act (FACT Act) consumers can request and obtain a free credit report once every 12 months from each of the three nationwide consumer credit reporting companies.

Now once you have joined up for your credit report such as at AnnualCreditReport.com, there is an extra peril. This is that when you receive phishing spam pretending to be your report provider asking for personal information, you may think it is from your real provider asking for your details again from you for a Review” or a “verification”. The thing to remember here is that all the nationwide consumer reporting companies have pledged that they will not send you an email asking for your personal information.

If you get an email, see a pop-up ad, or get a phone call from someone claiming to be from your credit report provider – don/\’t trust them! Do not reply but delete the email, do not click on any link in the message.

Companies or individuals promising quick fixes are almost always fraudulent. The important thing to remember is that no one can have accurate information removed from the credit file. Companies still do get away with reading your report. Haven/\’t you ever received a pre-approved credit card?

Identity theft is also on the rise, now being the number one consumer complaint reported to the Federal Trade Commission. One of the first places identity theft shows up is often on your credit report.

Identity theft may show up as suspicious credit inquiries, changes of address, accounts in default, or new fraudulent accounts in your name.

Monitoring your credit report is your first line of defense in protecting your identity. I like to use the Stop Junk Mail service because I can stop all the credit card offers and other junk mail. Monitor your credit report to catch ID fraud early.

Information here should not be construed as advice and it is offered without legal responsibility or liability. It must be emphasised that you should consult a professionally qualified individual or company (such as an accountant, financial adviser or solicitor for example) should you need advice on your financial situation, as they will be able to relate their advice to your personal needs accordingly.

Chester

Posted in Credit Tags: , , , , , , , , , , , , , , Comments Off

I’m looking for a credit montoring site that is credible and shows all 3 credit reports and a free trial?

December 8th, 2009
Lily asked:


I’m looking for a credit montoring site that is credible and will show me all three of my credit reports. I’m NOT looking for annualfreecreditreport.com , truecredit.com ,or freecreditreport .com. I want someone who will give me access to all three of my credit reports online and offers a free trial that will not charge your credit card til the end of the free trial ( I would like one with at least a 15 day free trial but I prefer 30 day trial) I have been having trouble finding a legit company. Can anyone reccommend one please? Thanks.

Fred
Posted in Credit Tags: , , , , , 2 Comments »

Florida Free Credit Report

December 8th, 2009
Jim McEwan asked:




Click Here to Get A Free Credit Report from Experian

A credit report is a record of an individual’s or company’s past borrowing and repaying, including information about late payments and bankruptcy. In Florida, when a customer fills out an application for credit from a bank, store or credit card company, their information is forwarded to a credit bureau. The credit bureau matches the name, address and other identifying information on the credit applicant with information retained by the bureau in its files. This information is used by lenders such as credit card companies to determine an individual’s credit worthiness; that is, determining an individual’s willingness to repay a debt. The willingness to repay a debt is indicated by how timely past payments have been made to other lenders. Lenders like to see consumer debt obligations paid on a monthly basis.

These factors help lenders determine whether to extend credit, and on what terms. With the adoption of risk-based pricing on almost all lending in the financial services industry, this report has become even more important since it is usually the sole element used to choose the annual percentage rate (APR), grace period and other contractual obligations of the credit card or loan.

For a limited time, Florida residents can get a free credit report from Experian to determine their credit score. This report will also help keep you safe from identity theft and is currently available to you free of charge. Don’t wait – this free credit report can save you thousands of dollars on internet payments, click on the link below to get your Florida free credit report now:

Florida Residents – Get Your Free Credit Report Now!

 



Pedro
Posted in Credit Tags: , , , , , , , , , , , , , , Comments Off

free triple three credit report?

December 8th, 2009
missarabeth asked:


How can i get my free credit report from all three credit places (transunion experian and equifax)?? i dont have a credit card so i need a website thats seriously free, and doesnt require one.
can anyone help me out please :)

Sharon
Posted in Credit Tags: , , , , 2 Comments »
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