Free Credit Report – Really
Posted in Finance on 08/31/2010 09:29 pm by
George Burk asked:
2005 marks the year that consumers will be able to get a free credit report each year. The roll out of the Fair and Accurate Credit Transaction Act signed into law by President Bush actually began last December 1. If you didn’t know about it, don’t worry. You haven’t missed the boat. Not everyone is eligible to get their credit report. The Federal Trade Commission (FTC) is allowing the credit bureau’s to implement the program piecemeal so as not to overload the new credit report system. Millions of consumers are expected to take advantage of the free reports.
Last December, consumers from Alaska, Arizona, California, Colorado, Hawaii, Idaho, Montana, New Mexico, Nevada, Oregon, Utah, Washington, and Wyoming were able to take advantage of the free credit report. Next March, the Midwest will have access to free credit reports. The South has to wait till June, and the East must wait until September 2005.
After your eligible, you can request you free credit report from a web site, by calling a toll free number, or by requesting it in writing. The web site address is AnnualCreditReport.com. This website was created by the credit bureaus. The toll free number is (877)-322-8228, which is also (877)-FTC-HELP if that’s easier to remember. The address to write to is Annual Report Request Service, P.O. Box 105281, Atlanta, GA., 30348-5281. You will not be asked to sign up for a trial subscription for a credit monitoring service after requesting your credit report.
Your not limited to one free credit report a year. You can request three – one from each of the credit bureaus: Exper
2005 marks the year that consumers will be able to get a free credit report each year. The roll out of the Fair and Accurate Credit Transaction Act signed into law by President Bush actually began last December 1. If you didn’t know about it, don’t worry. You haven’t missed the boat. Not everyone is eligible to get their credit report. The Federal Trade Commission (FTC) is allowing the credit bureau’s to implement the program piecemeal so as not to overload the new credit report system. Millions of consumers are expected to take advantage of the free reports.
Last December, consumers from Alaska, Arizona, California, Colorado, Hawaii, Idaho, Montana, New Mexico, Nevada, Oregon, Utah, Washington, and Wyoming were able to take advantage of the free credit report. Next March, the Midwest will have access to free credit reports. The South has to wait till June, and the East must wait until September 2005.
After your eligible, you can request you free credit report from a web site, by calling a toll free number, or by requesting it in writing. The web site address is AnnualCreditReport.com. This website was created by the credit bureaus. The toll free number is (877)-322-8228, which is also (877)-FTC-HELP if that’s easier to remember. The address to write to is Annual Report Request Service, P.O. Box 105281, Atlanta, GA., 30348-5281. You will not be asked to sign up for a trial subscription for a credit monitoring service after requesting your credit report.
Your not limited to one free credit report a year. You can request three – one from each of the credit bureaus: Exper
Best site to get my credit score?
Posted in Credit on 08/31/2010 03:18 am by
ka0tix asked:
Where is the best place online to get your credit score? & is there a website that will give you your credit score/report for free? I would definitely prefer a site that’s approved by the better business bureau. I’m well aware that if I run a report my score will lower slightly but I’m in desperate need to know what points I’m looking at…
Laurie
Where is the best place online to get your credit score? & is there a website that will give you your credit score/report for free? I would definitely prefer a site that’s approved by the better business bureau. I’m well aware that if I run a report my score will lower slightly but I’m in desperate need to know what points I’m looking at…
Laurie
Disputing Duplicate Items On Your Credit Report
Posted in Finance on 08/29/2010 03:50 pm by
Duwayne Mcclendon asked:
When you are repairing you want to make sure all information is correct and there are no duplicate items on your credit report. I had noticed an old HSBC Tax Advance showing on my report twice, one was listed as being current with a $0 balance and the other had a balance of $441 and 120 days late! I had seen this on my report and at first was just going to wait it out until the 120 day late listing was updated to current with hopes my score would be higher with two accounts listed as current.
Today my patience got the best of me, I called Transunion which was the listing agency for the duplicate accounts and requested a deletion. At first the operator said “ok sir I will place the duplicate account for dispute,” I immediately told him I did not want to place a dispute but for him to delete the duplicate listing now. It was in my favor that both accounts had the same account number and that the 120 day listing was updated 11/2007 and the current listing was showing updated 12/2007.
After about 5 minutes the representative for Transunion confirmed the duplicate listing had been removed and if I needed any more assistance. I kindly thanked the representative of Transunion and proceeded to complete my daily credit pull from TrueCredit. WOO HOO! Account deleted and my score jumped 14 points!
When you are repairing your credit be persistent and make sure you have all your facts regarding the accounts when you call or write any of the three credit bureau (Equifax, Experian, Transunion). You have to legitimately prove the account is reporting improperly for the credit bureau to remove the listing for them to remove it.
Virginia
When you are repairing you want to make sure all information is correct and there are no duplicate items on your credit report. I had noticed an old HSBC Tax Advance showing on my report twice, one was listed as being current with a $0 balance and the other had a balance of $441 and 120 days late! I had seen this on my report and at first was just going to wait it out until the 120 day late listing was updated to current with hopes my score would be higher with two accounts listed as current.
Today my patience got the best of me, I called Transunion which was the listing agency for the duplicate accounts and requested a deletion. At first the operator said “ok sir I will place the duplicate account for dispute,” I immediately told him I did not want to place a dispute but for him to delete the duplicate listing now. It was in my favor that both accounts had the same account number and that the 120 day listing was updated 11/2007 and the current listing was showing updated 12/2007.
After about 5 minutes the representative for Transunion confirmed the duplicate listing had been removed and if I needed any more assistance. I kindly thanked the representative of Transunion and proceeded to complete my daily credit pull from TrueCredit. WOO HOO! Account deleted and my score jumped 14 points!
When you are repairing your credit be persistent and make sure you have all your facts regarding the accounts when you call or write any of the three credit bureau (Equifax, Experian, Transunion). You have to legitimately prove the account is reporting improperly for the credit bureau to remove the listing for them to remove it.
Virginia
how can I report unethical businesses by privacy matters 123 to yahoo?
Posted in Other - Business & Finance on 08/28/2010 04:01 am by
crbillyxrez asked:
I tried their “free” credit report, and then was charged a dollar, and never did receive a report. Then I was charged $29.95 for a service I never signed up for, and when I called them, they said I had to call within 7 days to cancel from the time they charged my acct. I didn’t get my bank statement until after 9 days. To me this is a very big scam and I’m sure that I am not the first or last person that this has happened to. I hope you can contact them about this, and I am contacting the Better Business Bureau in Denver also. Thank You Bill Pearson
crbillyxrez@yahoo.com
Leslie
I tried their “free” credit report, and then was charged a dollar, and never did receive a report. Then I was charged $29.95 for a service I never signed up for, and when I called them, they said I had to call within 7 days to cancel from the time they charged my acct. I didn’t get my bank statement until after 9 days. To me this is a very big scam and I’m sure that I am not the first or last person that this has happened to. I hope you can contact them about this, and I am contacting the Better Business Bureau in Denver also. Thank You Bill Pearson
crbillyxrez@yahoo.com
Leslie
