Pierre Smith asked:




In these days more and more people are having problems with debt. Every quarter, about 170,000 home owners in the United States go into foreclosure. Along with that, identity theft is becoming increasingly common. Depending on both of these facts, it is really important to obtain your credit report from time to time to see what is going on. There are some options to obtain your credit report. When you are denied credit, insurance or a job due to something in your credit report, you are able to call for one, because that company has to inform you which credit agency provided the information. You have the right to get a free credit report from that agency within 60 days of being turned down. However, if you would like to see your credit report at any time you want, you should consider to pay a small fee to obtain it.

Besides, you can find some options to get your absolutely free credit report. If you only would like to check your free credit report once a year, you can call for a copy of your respective report by writing to one of the three major credit reporting agencies, because you have a right to get a free credit report once a year this way. If that free annual report is all you require, this way works just fine for most people. To get the free report though you do have to enter your data, which is needed to keep your report safe. You may be asked about your full name, your current and former address, social security number, date of birth, and your phone numbers in order to gain access to your credit report.

Another option to get free online reports is to sign up for a service you have to pay for. Such a service enables you to get online access to your information at any time you want so that you are able to keep your eye on details that are going on. This option is perfect for people who might be worried about identity theft, or are trying to repair credit to make any type of major purchase. This way is not only ready to hand, it is really easy and fast as well. To get access to this kind of service you need your associated account password. You should always assure to keep it really hard to puzzle out and to change it frequently so that only you can get access to your data.

It may be wise to check your credit now, if you haven’t do so of late. You can simply check it online. Many people don’t understand what they are looking at when they open it. However, there are some online sources helping you how to read a credit report and what all the different facts stand for. If there are facts that are not correct, you are able to get them fixed, though occasionally this will take some time. Whenever you are afraid about identity theft, one of the most important things you should do is obtaining your online credit report.

Ruby

tarot_princess86 asked:


Alright, I had an account in collections for a really long time. When I started paying it down the collector told me that once it was all paid off that I should send copies of the paid in full letter to the 3 main credit bureaus (transunion, eqifax and experian). However, she did not provide me with the addresses I needed. So I have been circling the internet for hours and hours trying to find these addresses and phone numbers. I found addresses and phone numbers for all three, but these addresses and lines are for obtaining credit reports. My questions are:

Q: If I send my paid in full letters to the main addresses listed, then will someone there know what to do with it, or throw it away because I was supposed to send it to some other (super-secret) address

Q: is it even necessary to send the paid in full letters to the credit bureaus? Because one would think that a collections agency would send that info off in their special way as soon as a debt is settled. ALSO, if it were necessary, you would think that there would either be a designated 1-800 number with PEOPLE to answer questions, a designated PO box address listed somewhere on the internet used for people who need a little more service than a free credit report, or a straight answer about any of these issues somewhere.

Sorry, that last question kind of turned into a rant….

If anyone can help me that would fabulous, and worth 10 points!

Colleen

hottiearchitect asked:


The HR dept. at work has been compromised and a lot of employees information, including my driver’s license #, SS# and other personal information were stolen. Who knows what is going to happen with it – maybe posted on the internet somewhere. The company offered a year free for some credit report service but I don’t think this is enough – sounds like the compnay only sends you a few reports a year – by then somebody has already stolen your identity. I have tried to find info on the big 3 agencies with no luck – phone numbers listed result in nothing but a computer generated operator helping you to order your credit report for a fee or “this number has been changed…”. Is there a way to contact the big 3 credit reportng agencies and have my report marked that someone has stolen my information and may attempt to commit fraud? Can I argue with my company about the shoddy offer for one year of reporting? they screwed up – I should get more than that!

Marjorie