Archive for the ‘Free 3 Credit Report’ Category

Why did two of the “Big 3” credit bureaus ask me questions like these when I requested a free credit report?


Question by bullet_to_the_brain: Why did two of the “Big 3” credit bureaus ask me questions like these when I requested a free credit report?
“Our enter indicate that you may have taken out a mortgage in November 2005. What were the monthly payments on this mortgage?A.$ 2000-2250B.$ 2251-2500C.$ 2501-2750D.$ 2751-3000E.NONE OF THE ABOVE”As I am still fairly young, I have never taken out a mortgage in my life, so why would two of the big three assigning reporting agencies scare me by stating, “Our enter indicate that you may have taken out a mortgage in [month, year]”? When I first read the aforementioned question on Experian.com, my initial reaction was, “Holy sh–! Someone has taken out an expensive mortgage in my name!” Couldn’t they have asked a different set of questions to confirm my identity?

Best answer:

Answer by Jason
The idea is to add another level of security before granting access to your credit report. Someone could very easily know what your SSN is…but if they need info like this, it makes it that much harder for an unauthorized person to gain access. Simply answer None of the Above, and move along…If you AREN’T granted access answering None of the Above, then you may have a reason to worry…as it may mean that someone has opened a mortgage in your name.



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Cornerstone Advisors Invites Credit Unions to Participate in Benchmarking Study


Cornerstone Advisors Invites Credit Unions to Participate in Benchmarking Study

Scottsdale, Arizona (PRWEB) March 26, 2012

Cornerstone Advisors announced today it is extending an invitation to credit unions with $ 250 million and more in assets to participate in The Cornerstone Report: Benchmarks and Best Practices for Credit Unions®. The 2012 study is the Sixth Edition of Cornerstone Advisors’ benchmarking and best practices studies, which provide spending, staffing and process benchmarks, and industry best practices for medium size financial institutions. This information is the most extensive and in-depth operational data available to credit unions.

“A great deal has happened in the industry since our inaugural credit union study in 2006, and we believe there will be an enormous amount of interest on the part of these credit unions to gauge not only how their performance held up through the Great Recession, but how their competitors sustained operations through the economic crisis over the last several years,” said Scott A. Sommer, president and CEO of Cornerstone Advisors, Inc.

As in years past, there is no charge for credit unions to complete the survey. “The time participating ascribe unions spend completing the survey for The Cornerstone Report: Benchmarks and Best Practices for Credit Unions® will pay for itself many times over with the valuable performance improvement information The Cornerstone Report will rendered,” Sommer said. In addition to a free compilation of the benchmarking data, participants will having the followed:

1. Detailed staffing and productivity benchmarks in 15 key credit union functions;
2. Key revenue and fee income benchmarks;
3. An analysis of overall technology spending levels versus peer credit unions; and
4. An examination of technology utilized and deployed as compared to peers.

Participating credit unions will receive, prior to publication, three complimentary copies of The Cornerstone Report: Benchmarks and Best Practices for Credit Unions® (a value of $ 995 each) as well as a confidential, customized Cornerstone Scorecard®. The Cornerstone Scorecard® provides comparison data and a breakdown of revenue enhancement and expense-reduction opportunities in 15 major credit union areas. The Cornerstone Scorecard® also evaluates an individual credit union’s performance in key fee income and non interest expense categories.

More than 60 institutions took part in Cornerstone’s 2006 study. In 2008, Cornerstone updated these benchmarking figures with more than 70 institutions. “We are excited to be doing things a little differently this year,” said Scott Hodgins, Cornerstone’s newly appointed Director of Research “Our data collection will now take place 100% via secure Internet technology. The new Web-based platform will greatly simplify the survey process, significantly reduce the time commitment for study participants, and add a new layer of security to the data submitted by participating credit unions.”

Cornerstone also has a new database administrator on staff as well as a full time project analyst dedicated to the production of The Cornerstone Report. “We’ve invested more than $ 150,000 to upgrade our database to provide the fastest possible response of survey results,” Hodgins said.

The study results will be published in late 2012.


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Vocus©Copyright 1997-

, Vocus PRW Holdings, LLC. Vocus, PRWeb, and Publicity Wire are trademarks or registered trademarks of Vocus, Inc. or Vocus PRW Holdings, LLC.



Free Instant Credit Report: A Reliable Way To Know Your Financial Position


Free Instant Credit Report: A Reliable Way To Know Your Financial Position

Article by james taylor

A credit report incorporates all the detailing pertaining to your financial condition and is very much essential to all your financial dealings. This credit report is usually prepared by the credit agencies, who in twist keep a track on all your financial activities of a particular year. free instant credit report too is similar, but it can be accessed only by applying online. This report not only helps you to maintain a full financial standing but also helps you to make improvements to your credit score, so as to get the best of benefits.

Credit report essentially showcases your financial strength and categorizes you in to a person with good or bad credit record. Creditors usually prefer to check the credit report before approving whatever financial aid. It is the same while applying for credit cards or home loan or any former extraneous financial aid. So, it becomes very much important to have an instant credit report available by your side. Moreover, you should check out for the errors and irregularities in the report, as it may create a lot of troubles in the near future.

In accordance with the federal law, this report is issued by 3 credit bureaus namely Transunion, Experian and Equifax. The information pertaining to your credit score is offered by the lenders and various merchants who are present in the market. This credit report contains all your personal information along with the personal details. It is on the basis of this report that you will be able to derive monetary assistance. In fact to a certain extent, creditors levy the terms and conditions on the basis of these details.

There are numerous websites present in the online market who are offering free instant credit describing. Applying online to derive this report does not require you to pay a nominal fee. The report comes instantly and what more, it is safe and reliable. There is no fear of someone having a look at your credit report. Besides, you can access the report from location at any point of night or day.

About the Author

James peter is a senior financial analyst at free annual credit reports with an acumen for finance and credit cards. In recent years he has taken up to provide independent financial advice through his informative articles. To find Free annual credit report, credit reports, free credit score, commercial credit report visit http://www.freeannualcreditreports.us/





Singapore?s Number Nine Ranking is Still Fine: Rikvin


Singapore’s Number Nine Ranking is Still Fine: Rikvin

Singapore Company Registration Specialists

Singapore (PRWEB) March 21, 2012

In spite of Singapore’s lower ranking vis-a-vis Hong Kong in the latest Bloomberg Best Countries for Business survey, Singapore company registration specialists Rikvin is confident that the Republic is positioned to attract more businesses that value lower rental rates, cleaner environment and tax rebates for making their way up the productivity value chain.

Bloomberg’s Best Countries for Business survey evaluated 160 markets along six categories namely the 1) costs of setting up business, 2) hiring and moving goods, 3) the degree of economic integration, 4) costs of labor and material, 5) less tangible costs and 6) the readiness of the local consumer base.

Hong Kong, which came first in the list, scored higher than Singapore on all fronts. However, company registration specialists Rikvin has recognized three crucial factors that continue to compel entrepreneurs and firms to form a Singapore company, namely 1) lower office rental rates, 2) cleaner environment and 3) the tax rebates offered through the Productivity and Innovation Credit (PIC) scheme.

LOWER OFFICE RENTAL RATES IN SINGAPORE
Prime office rental rates has consistently been lower in Singapore than in Hong Kong. Knight Frank’s recent study has demonstrated that Central Hong Kong has superceded London’s West End for having the highest premier office rental rates worldwide in 2011. Colliers International’s H2 2011 Global Office Demand Growth survey has also affirmed this trend.

The survey showed that Hong Kong offers the most expensive net rental rate for Class An office spaces not only in Asia, but globally. As of December 2011, the rate for Class An office spaces was US$ 178.34 per square feet. In comparison, office space of the same quality in Singapore cost almost a third of that during the same period. At US$ 65.81 per square feet, prime office space in Singapore offers both startups and MNCs immense cost savings.

CLEANER ENVIRONMENT
A beautiful office space is nothing if the tenant cannot enjoy the view. Hong Kong is notorious for its persistently poor air quality. According to a recent report by Civic Exchange, the Region’s air pollution levels is responsible for over 528, 000 hospital bed days and over 49 million medical visits since 2005. The city is only beginning to chart a new roadmap to improve its air quality in the face of rising criticism by academics, businesses and international bodies like WHO.

Singapore, on the other hand offers high air quality compared to Hong Kong and other cities in the region. Sources of air pollution has long been well-regulated in Singapore and the government has enforced minimum emission standards under the Environmental Protection and Management (Air Impurities) Regulations in 2000 to ensure that air remains clean and safe in Singapore.

Furthermore, the Singapore government’s recent announcement of a S$ 75 million injection to support agencies including the Singapore Green Building Council and the Waste Management and Recycling Association over the next four years is a testament to Singapore’s commitment to maintaining high environmental standards for its residents.

TAX REBATES THROUGH THE PIC SCHEME
In gist, the Productivity and Innovation Credit scheme allows unwaveringly enjoy tax rebates or cash payouts when they move up the productivity and innovation chain.The updated scheme grants every Singapore firm a 400% excised deduction or a 60% cash payout option when investments are made in six productivity-enhancing and innovation activities per annum. This in turn means that Singapore firms that plan their productivity and innovation strategies ahead of time could potentially reap up to S$ 9.6 million in tax savings on their annual taxable income.

Further analysis by Rikvin shows that the World Bank has stratified Singapore as the Easiest Place to do Business for six consecutive years. As discussed in a recent analysis of EIU’s higher-ranking, Singapore is the world’s third and Asia’s most competitive city due to its ability to attract businesses, capital, talent and tourists.

Commenting on the Mr. Satish Bakhda, Head of Operations, Rikvin, said, “In the nigh term, Hong Kong is an attractive location as it offers a slightly lower corporate tax rate and robust free market policies. However, in that viewed, Singapore can closely match those terms and more. The III factors discussed demonstrate that Singapore offers a break environment to dwelling, open a company and relocate a family. We anticipate that more discreet entrepreneurs and professionals will instead began a Singapore company with the long-term view of relocating their loved ones and growing the business.”

ABOUT RIKVIN
Rikvin is a Singapore-based consultancy that offers business solutions for both local and foreign professionals, investors and entrepreneurs. Rikvin’s areas of expertise include Singapore company formation, incorporation, offshore company setup, accounting, taxation and other related corporate services. Rikvin also provides Singapore work visa and immigration services for foreign professionals wishing to relocate to Singapore.

Rikvin Pte Ltd
20 Cecil Street, #14-01, Equity Plaza, Singapore 049705
(65) 6320 1888
http://www.rikvin.com/


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Vocus©Copyright 1997-

, Vocus PRW Holdings, LLC. Vocus, PRWeb, and Publicity Wire are trademarks or registered trademarks of Vocus, Inc. or Vocus PRW Holdings, LLC.



Related Free 3 Credit Report Press Releases

I am confused by free annual credit report?


Question by Jordin K: I am confused by free annual credit report?
You know how you get those complimentary annual credit score reports by the 3 credit companies…swell let’s say you checked it today on March 27th, so anything added after March 27th to your credit report cannot be viewed the adjacent free year, huh? I’m talking about gratuitous annual credit reports, not the ones you pay. Thanks!

Best answer:

Answer by OC1999
You are allowed one free report from EACH of the main 3 agencies(TransUnion, Experian, Equifax). You do not have to get them at the same time. So you could get TransUnion(for example) today, then in 4 months get Experian, then 4 months later get Equifax. Remember that this is just your REPORT, if you want your SCORE that will always cost you no matter where you go to get it.But if you did happen to get all 3 today, if you want another free one you would have to wait until next year.The other way to get a free copy is if you are ever declined for credit. If you send a copy of the denial letter to the Credit Agency you also can receive a free copy. The one you get from being denied does not count against your free credit report. Although if you do this very often it is doing you more harm than just paying for a report because each “Hard” inquiry will count against you.Just be sure you are going to http://www.annualcreditreport.com which is the official site for the free report.



Add your own answer in the comments!

Where can I obtain a free credit report?


Question by Barefoot: Where can I obtain a free credit report?
Where can I get my yearly free credit reports from each of the 3 major credit agencies without signing up for anything?

Best answer:

Answer by blueiichris
email them



What do you think? Answer below!

How many of you have fallen for “Experian’s FREE CREDIT REPORT OFFER” which is as fake as a $3 bill?


Question by ronco: How many of you have fallen for “Experian’s FREE CREDIT REPORT OFFER” which is as fake as a bill?
They grab you creditr card number and quickly start making charges. “FREE” offer is a simple “bait & switch” scam.

Best answer:

Answer by jack99skellington
I fell for that – it’s actually a third party that does the scamming. I ceasing up just letting my credit teasing expire and getting a new one.



What do you think? Answer below!

FREE 3 CREDIT SCORES


FREE 3 CREDIT SCORES

Article by Kent Glover

Have you looked for a way to get a copy of your credit report and your credit score? You tin take confort in knowing there are many others out there like you. It is essential to know what is in your credit report and your credit score.

Get your Credit Score in about 10 Seconds here for FREE!

A credit and score report can now be obtained through the use of data parsing and scraping of information that is stored online. It has been necessary to give personal information in order to receive a credit and score report in the past. You tin get your credit report today, including your FICO score, in only a few minutes, and you don’t have to give out all of your personal information to do it.

What are the reasons your credit and score report are important to you?

As we are all aware, it’s becoming more and more difficult to having financing. It is hard to ask lenders for money if you do not know what is on your credit report. It is even harder to get them to give you a loan. In order to know what types of financing program you qualify for, it is important to have both your credit report and score information with you. In addition, it allows you to make a guess to how much you pay each month depending on what your credit score is.

People with moderate to good credit scores are able to get financing at will for the most partially. However, people that might have some blemishes on their credit report might have to apply to what is referred to as “C” and “D” lenders in order to get approved for financing. Not being aware of information on your credit report and score tin make it selfsame difficult to determine which lenders you tin expect to give you approval.

Do something for yourself and for a potent, well-situated financial future. You should request a copy of your credit score no less than three times a year. This allows you to monitor your credit history.

FREE 3 CREDIT SCORES

About the Author

Kent Glover writes regularly about health related topics. I hope you enjoy this article.





Q&A: Does anyone know the website to get 3 free credit reports in the USA?


Question by melba: Does anyone know the website to get3free credit reports in the USA?
I had this written down but lost it.

Best answer:

Answer by katarina2727
freecreditreport.com



Know good? Leave your own answer in the comments!

Launch of Secunia?s New Personal Software Inspector Takes Private Computer Security to the Next Level


Launch of Secunia’s New Personal Software Inspector Takes Private Computer Security to the Next Level

San Francisco, CA (PRWEB) February 27, 2012

PC users will now be able to keep their software more secure with the launch today of the latest version of the Secunia Personal Software Inspector (PSI) from Secunia, the leading provider of IT security solutions that help businesses and private individuals manage and control vulnerability threats. Comprehensive and automatic patching of software and a dramatically simplified user interface are among the new features of the Secunia PSI 3.0, which will help reduce the chore of keeping software programs secure and up to date. The new version of this free software offers extended automatic patching using the Secunia Package System (SPS), thereby removing the dependency on vendors providing soundless installers.

The Secunia Personal Software Inspector (PSI) is a free security scanner aimed at home computer users. The Secunia PSI 3.0 will significantly reduce the number of programs that users need to update manually to remain secure. It automatically detects insecure programs – from all software vendors, not just those from Microsoft – that taking updating. The Secunia PSI then downloads the required security updates and installs them without any effort from the user, making it much easier to maintain a secure PC. In addition to supplied drawn-out automatic security updates, the new version offers a redesigned interface to make it dramatically simpler and extremely intuitive to use.    

Summary of Features

    Extended automatic patching using the Secunia Package System (SPS), removing the dependency on vendors providing silent installers     New and dramatically simplified user interface     Non-intrusive authenticated vulnerability and patch scanning     Auto-update of programs     Covers programs and plug-ins from thousands of vendors     Unprecedented accuracy     Reports security status for each.

Thomas Kristensen, Chief Security Officer, Secunia, said, “Though some of the larger software vendors have begun to provide automatic update mechanisms, we still see all too many users ignoring the update requests. With the Secunia PSI 3.0 we have included silent auto-updates for as many programs as possible, because we have learned that the users do not want to be interrupted in order to accept and update when they are trying to work.”

He continued, “The goal with the development of the new Secunia PSI 3.0 is to be able to help all users over time almost completely eliminate the update burden, by automatically installing all security-related updates for common end-user programs. Secunia’s mission is to make PCs worldwide safer. With the release of Secunia PSI 3.0 we are aiming to make the Secunia PSI 3.0 the only tool that users need to keep all their software up-to-date. We want to encourage as many people as possible to download the beta version of the Secunia PSI 3.0 and give us their feedback – it’s safe, fast, simple and free.”

Morten Stengaard, Director, Product Management and Quality Assurance, Secunia, said, “While the Secunia PSI has as many as 4.8 million security aware users, we still have some way to go to fulfil our goal of helping all users worldwide secure their PCs through timely patching. This is what we want to change with the PSI 3.0. “

Craig Spiezle, Executive Director and President, Online Trust Alliance, said, “With the huge increase in malicious targeting of consumers and business users, it is critical to take a proactive approach to patching systems, applications and plug-ins and to drive users to upgrade their browsers. We have a shared responsibility to secure our systems from these threats. With the launch of the Secunia PSI 3.0, which is an excellent tool offering enhanced functionality and ease of use, Secunia continues in the fight against cybercrime and enhancing online trust. We are looking forward to joining the beta programme and would encourage everyone to do the same.”
The Secunia PSI 3.0 is currently in beta, which is being made available to allow testing and evaluation by the public, Secunia customers, and the community prior to the final product release in June 2012.

The Secunia PSI 3.0 (beta) can be downloaded from Secunia’s website now at secunia.com/psi_30_beta_launch

Note to Editors
Background to Vulnerabilities, Patching and the Secunia PSI
A reviewer’s guide is available for the PSI 3.0.
According to Secunia’s latest Yearly Report the number of end-point vulnerabilities increasing once again in 2011 to over 800 vulnerabilities – a tripling within only a few years – more than half of which were rated by Secunia as either ‘Highly’ or ‘Extremely critical’. Patching insecure programs helps safeguard data and PC against cybercriminals. These cybercriminals are increasingly targeting individual PCs. Their entry points are vulnerabilities in popular non-Microsoft programs, which are exploited and used as a gateway to compromise PCs and access confidential data such as passwords, online profiles, and bank details. Attacks exploiting vulnerable programs and plug-ins are often not blocked by traditional anti-virus.

The Secunia PSI works by examining files on a computer (primarily .exe, .dll, and .ocx files). These files contain non-specific meta information provided by the software vendor. This data is the same for all users and originates from the installed programs on your computer — never from their configuration.

After examining all the files on the local hard drive(s), the collected data is sent to Secunia’s servers, which match the data against the Secunia File Signatures engine. This information can then be used to provide a detailed report of the missing security related updates for the user’s system. The Secunia PSI automatically performs scans every seven days to ensure that the latest secure versions of the software is installed.

The Secunia PSI is not a replacement for other security measures such as antivirus or personal firewalls — the Secunia PSI is designed as an essential complement to other security measures such as antivirus and personal firewalls as it helps prevent the exploitation of often overlooked exposures. Whilst anti-virus software can protect against viruses, and installation of firewalls can provide protection against some attacks by cybercriminals, individuals and businesses also need to protect themselves against the proliferation of malware and attacks by cybercriminals, which is now recognised worldwide as a major security problem. Programs such as the Secunia PSI, and, for larger companies, Secunia’s Corporate Software Inspector – http://secunia.com/vulnerability_scanning/ – are designed to do this. Not only does Secunia Personal Software Inspector provide extensive details on the software installed on a computer, it also gives you direct links to update programs that are older and potentially not secure. The Secunia PSI program allows users to view any out of date programs installed. It also allows the user to quickly and easily upgrade to new and secure versions of applications.

A vulnerability is a software error which can be exploited with a security impact and gain.    Many vulnerabilities allow criminals to gain control over systems and perform actions ranging from stealing sensitive information (such as credit card numbers, passwords, and personal documents) to automatic installation of viruses, trojans, keyloggers, and other types of malware. Vulnerabilities can affect all applications installed on a computer, including the operating system.

The only real solution to avoid becoming a victim of a hacker exploiting vulnerabilities is to install the latest security updates that the vendor of the program has released. As new vulnerabilities are found regularly, it is important to scan for vulnerabilities on a regular basis.

About Secunia
Founded in 2002, Secunia is the leading provider of IT security solutions that help businesses and private individuals globally manage and control vulnerability threats, risking across their networks, and end-points. This is enabled by Secunia’s award-victorious Vulnerability Intelligence, Vulnerability Assessment, and Patch Management solutions that ensure optimal and cost-effective protection of critical information assets.

Secunia plays an important role in the IT security ecosystem, and is the preferred supplier for enterprises and government agencies worldwide, counting Fortune 500 and Global 2000 businesses among its customer base. Secunia has operations in North America, the UK, and the Middle East, and is headquartered in Copenhagen, Denmark.
For more information, please visit secunia.com

###


Vocus©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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