free 3 credit report – rating score

December 31, 2009

How to get free credit report to raise credit score?

Gen Wright asked:


e most essential things that you should work on is your credit score. It cannot be avoided though that sometimes we encounter problems with credit rating because of some situations we just cannot avoid. Thus, you have to look for ways on how you can raise credit score as fast as you can in order to save yourself from any further financial inconveniences. You can find many ways in order to resolve your problem regarding bad credit rating.

Here are a few foolproof ways to improve your credit scores that most people have found very useful:

1. Grab a copy of your own free annual Credit Report. You can get this free if you know where to look for it. Looking into your credit report can help you check for any inconsistency. Do you know how to get free credit report? The best agencies to get these reports for free are Experian, TransUnion and Equifax.

2. Study your credit report carefully. For all you know, you are having a bad credit rating because somebody in the credit bureaus made a mistake. For this reason, we should consider the possibility of credit bureaus committing mistakes when giving credit ratings to individuals. To make sure this is not going to happen to you, you need to analyze and check your credit reports well. Three bureaus that give these credit ratings are: Equifax, TransUnion and Experian.

3. Pay bills on or before the due date. This may sound too simple but this is actually the main reason on why bad credit scores are into existence. So if you aim to get a good credit rating, always try to make sure you pay your bills on time.

4. Never attempt to close your old accounts. Although some people would advice you to close previous accounts, it does not help in raising your credit score. Some say you should close it because it will increase your credit rating, while there are others who say we can increase it by keeping old accounts. The truth of the matter is, when you keep your old account, you have bigger credit available whereas if you close it, it will lower your credit and it will decrease your credit capacity.

If you want to get a good credit rating, you need to handle finances well. It is very important that you watch out for any activity that may cause your credit rating to go down. If at this time you are already having some issues with your finances then now would be a good time to start following these guidelines. This has always worked for a lot of people so it will certainly work on you, too.

And remember ? the first step on the way of new financial freedom is to get free annual credit report as soon as possible. Get one and review it again and again. If you are not sure of what to do, ask people. Ask a friend, a family member or someone who knows about credit reports. And in case there is something strange or unknown ask professionals. Do not allow lenders to reject your application any more. Do not be content with paying high bank fees. Take action to raise credit score immediately.

Megan

December 25, 2009

Can you summarize this?

animepunk16 asked:


This year, 29 out of about 1,000 new teachers departed.

By TIA MITCHELL, The Times-Union

When school began last fall, nearly half of Highlands Middle School teachers were new.

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“I always wanted to be a teacher,” is something Principal Cathy Barnes remembers hearing more than once as she conducted interviews over the summer.

Most of the 26 newbies had no formal educator training. They were mostly midcareer professionals looking to make a change.

Barnes offered to give them a chance, and then set up training and coaching to help them succeed, she said. It took about a month for her to realize that not all of them would.

By the winter break, Barnes had let go four of those new teachers by invoking a state law that allows new teachers to be fired without giving a reason so long as it is done within the first half of the school year.

Known as the “97-day rule” because of the stated deadline, school administrators say it allows schools to quickly part ways with teachers that simply are not equipped for the job. However, union officials say the law makes it so easy to fire new teachers that principals do that rather than spend the time and money to mold them into better educators.

The district has approximately 9,000 teachers.

This year in Duval County, 29 out of the approximately 1,000 newly minted teachers were terminated under the 97-day rule or resigned in lieu of being terminated. Many other new teachers have also left the school system this year, though other reasons were cited for their departure. One was later rehired at another school.

After their 97-day probationary period expired on Jan. 9, those teachers received the security of knowing they cannot be fired midyear without due process. But they don’t have to be reappointed to their post at the end of the school year.

After three years, Florida teachers receive tenure, meaning if during the summer break a principal decides not to invite them back to a school, they must be offered other options.

The 97-day rule was created in 1997, a time when Education Commissioner Frank Brogan was introducing sweeping education reform. At the time, a group of lawmakers wanted to eliminate teacher tenure laws. Knowing that such a law would not pass, they settled for the 97-day rule instead.

Terrie Brady, president of the local teachers union, said of the 800 teachers who have left the school system this year, she feels the 97-day rule is responsible for more than 29, possibly close to 100.

She feels half a year isn’t long enough to determine who will become a great teacher.

“If somebody chooses to want to go into education, why would we not give them as much support as possible and encourage them to stay and make sure they are successful?” she said.

Brady said the school system lacks the money, time and resources to devote to professional development, especially since both new and veteran teachers are already bogged down with paperwork, mandates and other things that tax their time outside of the classroom. She advocates for more mentoring and training to help new teachers adapt to the job.

She said she agrees there are teachers who should removed from the classroom, but she thinks there should always be a process in place to hear both sides of the story and determine a fair course to follow.

Veteran educator Jim Williams was a principal for over a decade before the 97-day rule was in place and about the same time after.

During that time, he said he probably used the 97-day rule only twice.

“It was always that I cannot leave this person working with students because I believe they are doing damage to students,” Williams said. “Nor do I see between now and the end of the year any change.”

Williams said he always considered the impact of the decision on the students, as well as the employee. Now that he supervises a cluster of principals, he expects them to provide ample evidence supporting their decision to exercise the 97-day rule. In the end, however, he agrees that teachers who are not effective in the classroom should be removed.

“We’re not an employment agency; we’re a teaching institution and students ought to be primary in this,” he said.

Anna

December 24, 2009

how do I check my credit reports from all 3 agencies online? ?

Filed under: Credit — Tags: , , — admin @ 11:01 am
chrystallec asked:


It doesn’t have to be a free site, but my boyfriend and I are attempting to apply for a mortgage, and we wanted to know what our credit looked like before we go to the bank and look like idiots.

Samantha

December 22, 2009

How do i get a job having bad credit, I have allot of counts of delinquency?

vvsilenced_fearvv asked:


So for a while i’ve been jobless and havent been able to pay three of my credit cards at all, i stopped paying them back in december its been almost 7 months now or so, And i was wondering how can i. 1) Fix my Credit 2)Get a job with bad credit 3) Now that i have money i have no way of reaching the “Collectors” that have contacted me in the past to pay them the money, And if i do that in monthly installments will it help my credit out at all? i have already received my free credit report and that was last november and now i have to wait till this november to get another one, i know if i apply for a credit card and send it in they will give me a new report but is that worth it? Thank you for your help.

Ramon

December 20, 2009

Free Credit Report

Money Only asked:


We live in a credit oriented world. We all get credit at some point, so it’s hardly surprising to learn that we all have a credit history. If you are curious about your credit rating, and you should be, you can obtain a free credit report from a number of sources. This will let you see what the credit companies see when you apply for a loan or a mortgage.

Applying for a free credit report can actually save you money, if used properly. It is important that your electoral role details are up to date, for example. There are other public re\cord that will be compiled to create your credit history, any CCJ’s against you, for example. You can also discover who has been conducting credit searches on you. In short, a free credit report will let you know everything a lender will discover about you if you apply for credit of any kind.

Whenever you apply for credit that information is passed to a credit agency and kept in your personal credit file. That becomes a kind of footprint that other credit lenders can check up on to see how many others you have sought credit from. If you have made a lot of applications in a short period of time, it will look bad for you; especially if there have been an equally high amount of refusals.

The advantage of this system is that credit lenders can access your entire credit history with one single request. They do not have to ask several different places for the information. There are advantages to you to. You can also apply for a free credit report from a single agency, rather than having to chase all over the place to try and find out what information is kept on your credit history.

The information you will receive in your free credit report includes things like, who is living in your home in addition to you, if you have any financial affiliation with them, or they with you. Because of this, another person’s past credit history may affect your present credit standing. For this reason you should be very careful whom you do business with, or have a financial link with.

If you want to have a free credit report of your own credit history, court history and government agency involvement, you can apply through the terms laid down in the Data Protection Act. This states the terms under which the free credit report reference agencies can supply you with a copy. There will be probably be an administrative fee, but it should be quite small and only necessary to cover their costs.

There are many agencies willing to supply you with a free credit report. A search in any of the major Internet search engines will yield positive results. You should be careful, however, as there are always identity fraudsters who are out to take your personal details and use them to your detriment wherever they can get the chance.



Darrell

December 19, 2009

The Importance of a Free Credit Report

Peter Nisbet asked:


The importance of getting your free credit report cannot be overemphasized. In the current economic climate, with such a strong squeeze on credit, everybody’s credit rating is at risk, and even if you think you have a premium credit score, you might be in for an unpleasant shock. People are getting such shocks not only daily, but hourly throughout the USA.

However, before we discuss that, let’s have a look at what a credit report is and what information it gives you. It contains four parts basically: your personal details, your credit history, public records appertaining to your financial stability and finally, inquiries made by third parties as to your credit record. While you might not understand the need for this information, they are carefully examined by potential lenders.

To put it in general terms, your credit report is a record of your credit history and your financial stability. It contains financial details such as mortgages, loans, mail order agreements, credit cards, banking facilities and so on, and includes your repayment history, any late payments, missed payments, defaults and so on. It also includes any details of credit or loan applications you have made, and whether any have been turned down.

If your credit report is bad, you will either not be offered credit or will have to pay a higher interest rate than those with a good credit report. In some cases you will be refused credit. Hence the importance of knowing what your credit record is like. The same is true of your credit score that lenders use to assess your credit-worthiness.

The implications of a bad credit report include you being refused a credit card application, a loan, a mortgage, a car loan and any other form of credit. You could even be refused a mail order agreement or even a car hire. That is not the end of it, because the same could apply to your partner and your children if they reside at the same address as you. When your kids look for a mortgage of their own before being married, or seek a loan for their first car, they could be refused because of your poor credit record.

That is fine if the record is correct, because although it is bad for you, at least it will have been deserved. However, it has been estimated that up to 90% of credit records are inaccurate, and that a large proportion of people are being wrongly refused credit. Not an entire 90%, obviously, but a lot of people are being unfairly refused credit, and that could be you or your kids. You won’t know till you apply.

Why wait till then? Why not just get a credit report now, so that you know where you stand. It makes sense, and since it is free what are you waiting for? Did you know that anybody can see your credit report? In the USA, the Fair credit Reporting Act (FCRA) allows employers, creditors, landlords, insurers and any other business to have access to your credit report for purposes of credit, renting a home, employment or any other reason where your financial situation could be of interest.

These reports are available in the USA from three agencies: Experian, Equifax and TransUnion, and each has to provide you with a free copy of your credit report annually on request. Once you have a bad record on your report you have to wait 7 years to have it removed.

However, there are companies that help you to check up on your report and have any inaccurate data removed. You could easily have your next credit request refused due to inaccurate or false information. Identity theft or even mistaken identity is no longer uncommon. Nor is it uncommon for office staff to make typing errors and you to have something on your credit record that never occurred.

In today’s economic climate your credit is the one thing you must do all that you can to protect, so make sure you implement your right to a free credit report. There are companies that can get your free report from all three agencies, and then check it with you to make sure that nothing is untoward. With 90% containing inaccurate information, that might be highly likely. If so they can help you to get these false records removed.

It’s your credit, and it affects everybody living in your home. Get it checked out now with a free triple credit report. Also check up on your credit score at the same time.



Ernest

December 18, 2009

Cheapest safe site to buy fico SCORE?

Filed under: Credit — Tags: , , — admin @ 1:37 pm
sparkles asked:


What is the cheapest and safest site to buy my FICO SCORE? I am NOT looking for a credit report. Please don’t tell me about those 3 free credit reports because those DO NOT include a fico SCORE.
myfico it is! thanks!

Pedro

December 11, 2009

Paying Off Bad Credit?

campisi05 asked:


This is going to be a stupid question…

Growing up I wasn’t taught about credit, the importance of paying bills on-time, any of it. When I turned 18, I did stupid things with my money and didn’t pay any of my bills or debts…and they just accumulated to $2500 bucks. I now have the money to pay it all of AT ONCE… I got my free credit report w/ all 3 major credit unions and the score is between a 540-550. So my questions are…

1.) I am going to pay it off this week. How long should it take before it comes off my credit report, and will it go up? I’ve never had credit beforehand.

2.) Will it screw me for the rest of my life now that my credit is very poor?

3.) What can I do after it’s paid off to make things better?

I know I sound redundant but I don’t know a lot about credit and I want to learn to prevent this.

Jesse

December 10, 2009

We are able to receive 3 credit reports each year free,how do you go about doing this?

Filed under: Economics — admin @ 11:40 pm
rozanne asked:


What is the process to obtain your 3 free credit reports?

Keith

How do we get a free credit report from each of the 3 credit reporting agencies?

Laura Renee asked:


I’ve heard that we can do this once a year but am not sure how to go about it.

Troy
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