September « 2011 « Free Credit Bureau Report

September 19, 2011

Q&A: what countries use a credit bureau and scores?

Filed under: Credit Bureau — Tags: bureau, Countries, credit, Scores — @ 7:20 pm

Question by Hooper923: what countries use a credit bureau and scores?
I know the USA uses a credit bureau and credit score to find out credit worthiness of people. What about other countries. Which ones use credit bureaus and if not, what do they do.Not every country. Israel does not have a credit bureau. They do have a debtors prison though.

Best answer:

Answer by PooPooLaTrash
Any country with businesses published credit has a centralized credit database. There is no country in the world that will issue credit without obtaining some sort of credit history.

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September 17, 2011

Q&A: Can you make collection agency revert their negative report to credit bureau?

Filed under: Credit Bureau Report — Tags: agency, bureau, collection, credit, Negative, report, revert, their — @ 7:13 pm

Question by mechos: Can you make collection agency revert their negative report to credit bureau?
I moved from one state to another and looks like I losing paying some hospital bill in my previous state. But I never received any bills from the hospital or the collection agency to my new address and now I noticed that the collection agency reported this to the credit bureau. Is there any way I tin pay the amount and make the collection agency take back their report from credit bureau?

Best answer:

Answer by jlf
Only if you tin negotiate a “pay for delete” agreement first.

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September 15, 2011

Is there a website where I can get a 3 in 1 credit report for free?

Filed under: Free Credit Bureau Report — Tags: credit, Free, report, There, website — @ 7:15 pm

Question by MrsBossy: Is there a website where I can get a 3 in 1 credit report for free?
Are you just allowed one report from one bureau for free or can you get a 3 in 1 from all 3 bureaus?

Best answer:

Answer by cindy
The best website I have found is www.mycreditkeeper.com. They will give a loose trial and then if you like it. Its only $ 9.99 a month, which is very cheap and it shows all 3 major credit bureaus, has what if scenarios and what if actions on it that lets you see how an impact can have on your score before you do it…Its very good.

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September 13, 2011

Electronic Credit Reference Exchange and Premier Web-Enabled Business Credit Bureau for Financial and Non-Financial Institutions Introduced in Africa

Filed under: Credit Bureau — Tags: Africa, bureau, Business, credit, Electronic, Exchange, Financial, Institutions, Introduced, NonFinancial, Premier, Reference, WebEnabled — @ 7:14 pm

Electronic Credit Reference Exchange and Premier Web-Enabled Business Credit Bureau for Financial and Non-Financial Institutions Introduced in Africa

Farmington Hills, MI (PRWEB) July 14, 2008

CreditZar Inc. providers of enterprise credit risk management software solutions for business credit grantors today announced B2BCreditExchange the premier electronic exchange for credit references and web-enabled business credit bureau.

B2BCreditExchange is currently operational in Ghana, Nigeria and South Africa to serve the credit risk management needs of Banks, other financial institutions and non-financial institutions in general.

B2BCreditExchange enables companies to:

Exchange credit references on their customers (companies) using standard electronic forms – Save the costs of phone calls and faxes and achieve information exchange standards. Interpret and report credit risk based on customer’s credit reference and maintain a history of customer’s credit risk profile. Inquire about the credit risk profile of any company (Business Credit Bureau Service). Delegate the menial tasks of calling and tracking credit references to B2BCreditExchange Automation Engine (BAE) Gain insights into country-wide shifts in credit risk trends at different levels of aggregation. B2BcreditExchange aggregates and reports credit risk for different categories of businesses on a country-wide basis.

Transactions at B2BcreditExchange are highly secured and 24/7 availability and performance is guaranteed by a world-class data center.

About CreditZar, Inc

CreditZar Inc. (CZ) provides enterprise credit risk management software solutions for the business credit industry. With CreditZar solutions, companies can quickly quickening their productivity in managing credit risk, lower their credit stake exposure and ultimately improve their working capital health and thus enhance liquidity. Unlike other solution providers, CreditZar provides an one-stop comprehensive solution by aggregating what competitors offer in piece meal nether a single but superior solutions platform.

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September 11, 2011

Credit Bureau letter-How to use it to get Negative Items off of Your Credit Report

Filed under: Credit Bureau — Tags: bureau, credit, items, letterHow, Negative, report — @ 7:14 pm

Credit Bureau letter-How to use it to get Negative Items off of Your Credit Report
Many people know that, by federal law, you are able to obtain one free copy of your credit report from each of the three credit bureaus per year. Mistakes happen and sometimes these reports reflect negative or incorrect information. However, what you might not realize is that it is quite easy to dispute any negative items on your report with a credit bureau letter.

When deciding to send a credit bureau letter, you have two choices. The first is to create your own. Second, you can download a sample form credit bureau letter from the internet to fill out and get you started. Either way, a credit bureau letter always includes your contact information, social security number, and information for the account in which you are disputing including a full account number.

In addition, you will want to attach any supporting documentation supporting your cause. For example, if your report is showing negative information that you made seven late payments within a year time period and you really only made three late payments, include a copy of your payment history. Also, be sure to write a separate bureau letter for each account issue you wish to address. The reporting bureaus are required to investigate your claims and respond within a reasonable period of time.

Mailing information for each of the reporting bureaus can be found at their websites which is Experian, Equifax or Trans Union. This can be an excellent way to easily improve or correct your credit report history, all by sending a simple bureau letter. Now that you are empowered with more information, go out there and take action.