Credit Reports Article Category

 

Credit Reports Articles

Expert Author:
We've all seen the ads for "free credit reports" in our email and on various websites. But are most free credit report offers real? Unfortunately, most are not actually free. In fact, most require a monthly "credit monitoring" or other fee - one that most people really don't need.
Expert Author:
Your personal credit report tells lenders everything they need to know to help them decide whether to lend money or extend credit to you. Do you know what is on your personal credit report? Are you certain that your personal credit report is accurate? These and other questions must be answered before you apply for credit or take out a loan. Without that information handy, you may end up paying too much for your car loan, mortgage, credit card, and more.
Expert Author:
Many consumers understand the value of regularly monitoring their credit reports. Identity theft affects millions annually. Furthermore, credit report errors can result in credit card or loan denials. Sadly, many people do not take the necessary precautions to safeguard their credit. There are many ways to protect our credit. To begin, you should make a habit of checking your report every six months.
Expert Author:
Thanks to a new federal law put into place in September of 2005, everyone is entitled to one free credit report each year. This is so that you can verify that your report does not contain any false information, and so you can see how your credit rates. Getting your annual free report is as easy as going to the authorized source, www.annualcreditreport.com and requesting one.
Expert Author:
Unknown to most Americans is the passage of an amendment to the Fair Credit Reporting Act (FCRA) that Congress passed into law in 2004. This change in law now allows every U.S. citizen to obtain one free copy of their credit report from each of the three main reporting agencies (Experian, Trans Union, and Equifax) once per year. In order to avoid a crush of traffic to the official free credit report Website, the plan is being rolled out in stages.
Expert Author:
Under the Fair Credit Reporting Act the reporting company and the information provider are responsible for correcting any credit report disputes. However, they must first be made aware that you have credit report disputes. A person can report and correct errors in their credit report by following two easy steps.
Expert Author:
Consumer credit reports are often used by businesses to help them decide whether to lend money or provide other types of benefits to a particular consumer. Credit bureaus provide credit report information on consumers to interested parties, to enable them to assess a person's risk levels or suitability for a loan or other purpose. These consumer credit reports show the status of your credit score including judgments, tax liens, and other credit related information.
Expert Author:
Have you received free copies of your credit reports yet? Or, did you pay for them? Watch out as the FTC has authorized only one web site, one phone number, and one mailing address to provide copies of your free credit report to you.
Expert Author:
According to an amendment to the Fair Credit Reporting Act, you can obtain a free credit report on yourself for free one time every year. However, just like with any new law or service, there are people out there looking to take advantage of you. So be aware of what you see when looking for your credit report; not every service claiming to offer you a free credit report is actually offering one.
Expert Author:
Is your credit report important? There are a lot of people who would not consider their credit rating as something too important to them in their life. There are others who, while recognising its importance, would not be overly concerned about the issue or understand the reasons for its importance. Well, to those people, they should at least be aware of some of the uses that are made of credit reports in the world in which we live.
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