free 3 credit report – rating score

October 7, 2010

Should I ask for it back?

Filed under: Other - Family & Relationships — Tags: , , , , , , , , — admin @ 8:33 am
Caroline S asked:


In Laws asked when visiting us for copy of our daughter’s social security card a couple of years ago b/c they were setting up a 529 college fund for her. I gave them the copy, but now I’ve found out that they never lock the door to their house. The live in a rural, remote, sparsely populated area (town of about 300 people), but they live in a neighborhood that has house break ins ( I read this in their neighborhood newsletter which is available online…it reports among other things, crimes in the area, kind of like a neighborhood watch)….fortunately they have never had a house break in (yet?!)…would you be concerned? Daughter is only 2, and I can’t get free credit report without sending a truckload (which is good) of identification papers to the 3 credit bureaus….I thought of asking for the copy of her card back, but it’s been 2 years and they would probably be offended if I asked for it back…..do you think I should ask for the copy back anyway & would they be justified in
being offended if I did ask for it back? Am I overreacting in my concern of possible ID theft?

Bobby

October 2, 2010

Free 3 Credit Bureau Report – Where to Get Your Free Credit Report

Filed under: Finance — Tags: , , , , , , , , , , , , , , — admin @ 5:09 pm
Davion Wong asked:




There are various ways of getting your free 3 credit bureau report considering that the government has a mandate to give every citizen his own free copy of the credit report once a year. This will give you the chance to track down and monitor your financial information and verify the authenticity of the details recorded in your profile.

There are many credit-reporting bureaus around offering to give you your free yearly copy of this important document; however, the government designated the three main credit-reporting agencies as the official source of your personal financial record, and they are the Experian, the TransUnion and the Equifax. Therefore, if you want to get your financial profile, it is best to get your free-report from these agencies.

Every time you apply for a loan or credit card, your payment behavior with them will be recorded in this report; hence, they should ideally report them to each of the three main reporting agencies in order to make your profile consistent. However, this is not always the case in reality because sometimes there are some creditors who only report them to one agency.

For example, your payment record with a certain credit card company is submitted to the Experian only; without bothering to submit them to TransUnion and Equifax. Consequently, your score for Experian is different with your grade in Transunion and Equifax as a result of absence of your additional profile in the two reporting agencies. Hence, it is important to regularly check your free 3 credit bureau report every year in order to confirm the accuracy of the information contained in your report. This will greatly improve your rating if you have an excellent record.

Where to get your free credit bureau report? One way to get your copy is to request them individually from each of the main agencies mentioned herein. They are tasked by the government to supply you with your free financial record every year upon request.

Another method is to get them online through their web site where the three main official financial institutions have combined their services in one site at AnnualCreditReport.com where you can initiate your request. This method offers more convenient process in obtaining this important document because you don’t need to make three requests from each of the major reporting companies; you only make one request and you will get your free 3 credit bureau report.

Shawn

September 21, 2010

Poll on commercials?

Filed under: Polls & Surveys — Tags: , , , , , , , , , , , , — admin @ 10:41 pm
DogCrazy21 asked:


1. what one do u like to sing to?
2. what ones ur fav?
3. what one do u hate?
4. whats the saddest commercail??
5. have u seen my sad commercial b4?
(read below)

my answers…

1. free credit report.com baby!!! (it goes like this)
f-r-e-e that spells free, free credit report.com baby!! lol
2. the WUZZ UPPP!!! commercial, where they call each other and say WUZZ UPP??? lol
3. the one i hate would be “Almost gave money”, only cuz i hear it SO much!
4. my saddest one has to do with animals (i love animals) its one animal planet and is shows sick, injured, neglect dogs and cats, and the son to it is “in the eyes of anf angle”.
its so sad it makes u want to cry!!
darren m…. is it cuz its sad??

Fred

September 11, 2010

How to Get a Free Credit Report Today Fast

Filed under: Finance — Tags: , , , , , , , , , , , , , , — admin @ 2:08 am
George Steinman asked:




Are you interested in learning how to get your free credit report today? Many people are concerned that the economy and their spending may have created an unfavorable rating. In order to find this out, you need to get access to your credit score. There are many ways to do this.

The first way is to go online and look for a company called Trans Union. This company is one of the foremost agencies that deals with financial scores. They will give you a detailed printout for free one time a year on what your statement actually is.

Another company that will offer you free reports is Equifax. Although this company seems to be identical to Trans Union, it offers some details that may not be in the report offered by most other companies. Sometimes you will see this company in association with the two other major carriers.

Finally, there is Experian. Like the previous two companies, their goal is to provide you with at least one free analysis per year that you can use to help assess your situation and to help you find your way back to level financial ground.

The key to using any of these services is to take the information that is presented and begin to make some changes to what you see. Some companies will actually offer all reports so that you can get a broad spectrum view on your situation and what you need to do to fix your financial rating.

One other benefit to knowing the scores is that you will know what to expect if you go to purchase a house and are looking at getting financing through your local bank. Perhaps you are looking for a new vehicle and will need to get a loan based upon your good economic standing.

If your scores are so low that you do not qualify, you will have the information necessary to contact the creditors that are damaging your financial status and try to work out some kind of an agreement or arrangement in order to remove them from your rating.

Following these simple steps, you should be able to learn very quickly where you stand in regard to your rating and be able to act quickly and efficiently in order to fix all the problems listed on your credit report.

April

August 31, 2010

Free Credit Report – No Credit Card Required – Where To Get One?

Filed under: Finance — Tags: , , , , , , , , , , , , , , — admin @ 7:12 am
Mike Clover asked:




Free Credit Report with no credit card required is available at annualcreditreport once a year. Here is what they don’t tell you. When you get your Free Credit Report at annualcreditreport there is no Credit Scores. So what good is a Credit Report without your Credit Scores? A Credit Report with no Credit Scores is like a destination with no address, it is useless. The following look at your scores very closely when determining your credit risk, interest rates, and terms.

1. Insurance Companies

2. Utility Companies

3. Credit Card Companies

4. Mortgage Companies

5. Car Finance Banks

6. Employers

7. Even Hospitals are now determining your Credit Risk.

Folks this is serious business, just imagine if you are applying for that new job that pays more, and they determine whether they are going to hire you based on your Credit Score. The main point is, yes you can get a Free Report with Annual but it’s once a year and no Scores are included. A Report with no Scores is useless, especially when that is what creditors look at. Let’s just assume you are getting ready to buy a car, and you are a customer that does not know there scores. Dealerships love customers like you because an uneducated consumer is a consumer they can rip off and make more money on. An educated consumer that knows there scores will show up ready to get the interest rate on the loan. This is what most lenders don’t want to deal with, because they make less money on consumers like this. Maybe you are wondering what is considered a good score.

Here is a break down:

o 780-850 – Low Risk

o 740-780 – Medium -Low Risk

o 690-740- Medium Risk

o 620-690- Medium High Risk

o 620 and Below – High Risk

There are all of these offers out there selling Free Credit Score Reports with all these up sales. For example:

1. Credit Monitoring

2. Savings Club memberships etc

When it comes down to being an educated consumer and that is all that is available out there to get your scores, there is not much choice. I would not hesitate to get these services, because everyday thousands of people get there identity stolen. I would recommend being an educated consumer so you are aware of what is being reported about you. Start saving today and protect yourself and your family.

Paul

August 24, 2010

Free Credit Score Report

Filed under: Finance — Tags: , , , , , , , , , , , , , , — admin @ 4:14 pm
Mike Clover asked:




The most determining factor for lenders in applying interest rates and terms for a loan is your credit score. Your credit score basically demonstrates to them your ability to responsibly pay your debts and handle your finances. Without a credit scoring system, lenders would have a difficult time determining the risk involved in granting loans. This would result in far more defaults and losses for lenders, which would greatly intensify their scrutiny in giving loans. In this way, credit scores actually make it easier for the average person to get the loans they need to invest in their future.

Dedicated to providing the tools you need to view and improve your credit score. In some ways, there is nothing more important than having a great credit score when building a financial foundation. Major purchases like homes and investments are made possible though loans with low interest rates and favorable terms, which are much more easily secured by those with great credit scores.

Getting your free credit score report is very simple these days. Some websites offer a free credit report but don’t actually give you your score. Sure, you will receive information on your credit history, but you also need your actual credit score to know where you are and where you need to go. This website provides a full free credit score report along with your score. Having this information at your disposal arms you with the negotiating skills you need when dealing with creditors and also helps you to strategize in rebuilding your credit.

Once you have your free credit score report, you will need to spend time understanding your score and learning how to improve it. This website offers a wealth of information and tools for accomplishing this. Here you can find articles from reputable sources as well as updated blogs on important credit topics. We also offer tools that monitor your credit report and notify you of changes. Score Watch lets you know when you qualify for better interest rates and it also determines what factors are most greatly impacting your current score. This takes away some of the guess work in determining what you need to do to improve your score. FICO Deluxe provides an even more complete picture of your credit situation from TransUnion, Experian, and Equifax. You will receive a complete score and report from all three of these major credit agencies. This service also provides a simulator that allows you to run hypothetical situations that might impact your credit. For example, “How will it affect my credit if I pay off this particular debt?”

Another tool we offered is the secured credit card. For those with troubled credit pasts, it can be difficult to obtain a credit card. Not only are credit cards extremely convenient, paying credit cards responsibly is a great way to improve your credit score. By using some sort of collateral account, you can receive a secured credit card. Paying on this card responsibly will eventually increase your available credit and will also build your credit trustworthiness.

Get your free credit score report today and begin building the road to a great credit score and financial freedom. Your credit score is too important to ignore, because it helps to make it possible for you and your family to make the investments of a lifetime that can provide security for you and for those that coma after you. Take the time to learn more about your credit score and utilize the tools we have to offer. You can start by getting your free credit score report now!

Donna

August 11, 2010

Get Your Free Credit Score and Report Online

Filed under: Finance — Tags: , , , , , , , , , , , , , , — admin @ 7:18 pm
Thomas Eliot asked:




People working to pay off their debts to improve their credit score can use free online websites as an incentive. To get your scores online for free you can go to any number of sites which are willing to share this information with you in exchange for your sharing information with them.

Finding out about your score can assist you if you are thinking about taking on more debt, such as in buying a house or automobile. Knowing your score will tell you whether or not you need to work on improving your credit score by paying more each month, or if you can afford to relax and save some money.

Once each year, people can obtain a free credit report from each of the three main credit agencies: TransUnion, Equifax, and Experian. If you want, each report can be ordered at the same time. The credit agencies usually charge for obtaining your credit score, but this too can be obtained free from each reporting agency depending on their incentives. It’s important to know that under certain circumstances, your credit report can also be obtained for free more than once a year, such as when you are turned down on a credit application. All three of these agencies also offer other services apart from maintaining and furnishing the reports.

Some companies offer services which alert you about changes in your credit report. They offer advice about lenders and credit card companies which can help a client obtain a favorable credit score. The free offers are most often used to attract potential clients to their other services. But be aware that the free services are only in place for a limited time, and usually they are coupled with registration to other paid services in exchange for accessing your free scores. Occasionally, some banks and credit card operations will post your free credit score updates on their websites; so keep this in mind as you shop around for a credit vendor.

By law, you are entitled to one free credit report from each of the three reporting agencies once each year. In order to obtain your free report, the three credit reporting agencies can be reached at the following toll-free phone numbers and web sites:

Equifax 800-997-2493 or at equifax.com

TransUnion 800-888-4213 or at transunion.com

Experian 888-397-3742 or at experian.com

It is important to keep in mind that you should probably keep your online and other credit score inquiries to a minimum since too many inquiries within a short period of time can have an adverse effect on your ability to obtain credit. Potential creditors can regard too many inquiries within a short period of time (say 30 to 60 days) as a negative, and this can result in the refusal to extend further credit. One thing that helps in this effort is to make sure that any inquires which have been made were all authorized. If there are unauthorized inquiries, write to the credit agency and to the company that made the inquiry to inform them that you did not authorize the inquiry and to remove it from your credit file.

To get your credit score online for free there are websites where you can go and you can have the results within a few minutes. Just search on the search term “free credit score” and you will find them. To obtain your free credit reports, you must go to annualcreditreport.com You can also apply for notification with some free credit score websites so that you will know each time something changes in your credit report.

Larry

August 7, 2010

Credit Report No Credit Card – Where To Get One

Filed under: Finance — Tags: , , , , , , , , , , , , , — admin @ 10:58 am
Justin Fox asked:




Credit Report No Credit Card – You want your Credit Report now but have No Credit Card! frustrating! what to do, well you be happy to find out there are a few places where you can get your report without the need for a Credit Card, but you need to know a few things first.

The first place you should visit is annualcreditreport.com they require no Credit Card details so you can just put in your personal details and get your report. It’s also for free as the government now makes it law that you and every US citizen is entitled to get one free credit report per year, but you should know that this while being useful is not where you should leave it, you need all three credit report from the 3 main credit report bureaus, as each report will be different – so how will you know that the lenders will use to make up there decision of providing credit to you or not? You need to get all three and then look at the middle score – getting you credit score will enable you to know what the lenders use to make their decision.

So you might want to shop around to see what the best place is to get all your 3 Reports and Credit Score, be warned that while some websites will advertise that you can get a Credit Report No Credit Card they will try and sell you other services, this is not a bad thing as these services you might find very useful, here is a few of the services:

Get your Credit Score Identity Theft Protection Credit Monitoring Services Credit Score Change Alerts All your Credit Score and Reports from the Three Main Credit Bureaus Credit Score Competitor Comparison Now, to get some of these services you will need to use a Credit Card so Credit Report No Credit Card will not be applicable for you, but i strongly suggest you use these services as you then have a full picture of where you financial site and can start going about fixing any negative information. Be wary of the Scammers out there who promise to remove all negative information off your Credit Report to Fix you Credit Score, anyone who can guarantee this is wrong – don’t give you money over to then, what they do is contact the credit report bureaus and get them to investigate some bad credit information – by law they have to remove the info while it’s being investigated – but as soon as the investigation is finished it will land back on your credit report – by then they will have made a run and you won’t be able to get in contact with them to get your money back. Credit Report No Credit Card, there is such a thing but just be aware of what’s involved and the other services that are out there.

Get your Free Credit Report today and other useful information at [http://www.credit-reporter.net]

Lucy

August 1, 2010

Causes Of Bad Credit Reports

Filed under: Finance — Tags: , , , , , , , , , , , , , , — admin @ 10:23 am
Thomas Morva asked:




The importance of a positive, error-free credit report should never be overlooked. This becomes all the more important when circumstances are such that it becomes imperative for you to borrow money.

Yet it has generally been observed that many people remain blissfully unaware of the errors in their credit scores. The problems become more compounded when you realize that these errors could have been easily avoided or should not have been there in the first place. Imagine a situation when you want a loan for financing your house, a car, or any such major purchase, and it is declined because of a bad credit report. To avoid this, it is better for you do a regular check to see if your finances are in order in all respects.

There can be many causes for a bad credit report. For example, you may have an unpaid bill from your college years. Now, you cannot get a loan until the bill is fixed. There may be other scenarios. Consider a situation in which your spouse used your credit card to pay the bills. For whatever reason there is a divorce and you are left to pay the bills you cannot afford. This will definitely lead to a black mark in your report. Then there may be a situation in which you got some repair work done in your house, but refused to settle the bill because the work was not to your satisfaction. The irate contractor could end up placing an enquiry on your credit card history.

Sometimes the black marks could be there for no fault of yours. This can be in the case of an automatic bill pay service, which for some malfunctioning did not send you a bill. The result will be an overdue payment.

These are causes that can be avoided if you check your finances regularly and ensure that everything is in order.

Nathan

July 30, 2010

Free Government Credit Report

Filed under: Finance — Tags: , , , , , , , , , , , , , , — admin @ 6:36 pm
Thomas Morva asked:




The fair credit-reporting act makes it mandatory for the three organizations (Equifax, Trans Union and Experian) to submit a credit report at least once a year to anyone who requests for the same. Typing ?annual credit report? in a search engine, which provides credit reports online and at free of cost, can give access to the appropriate online site.

A free government credit report is also available by phone or by mail and reaches the concerned person within fifteen days of requesting. The government agency that provides free credit reports is located in Atlanta (Georgia) and can be contacted via mail or telephone.

The prerequisites that are required for obtaining a free credit report are ? the person?s name, address, social security number, and date of birth. There are some other ?imposter? credit reporting companies that try to mimic the actual agency?s website by deliberately misspelling it. This is a common tactic used by companies who try to extract money from unsuspecting credit report mongers.

Under the federal law, a person is permitted to obtain a free credit report if a company takes unfavorable action against him, such as rejecting his application for credit, insurance, or employment then the person can demand a free credit report within sixty days of receiving the notice. The notice will give the name, address, and telephone number of the consumer reporting company. A person is also entitled to one free report a year if he is unemployed and plans to search for a job within 60 days if he is on welfare or if his report is inaccurate as a result of swindling, including identity theft.

A credit report can make or break a company or a person because all the financial data and history of the report holder is clearly mentioned in this report. The most important fact to be noted about a credit report is that any negative comment or remark on the report will literally leave an indelible mark on the person?s financial record. This is because a bad credit remark is not removed from a credit report for at least ten years.

Mark
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