free 3 credit report – rating score

January 27, 2010

Is this a reliable source of credit score?

Montana asked:


I have Identity Monitor from Citi (I have a credit card with them). One of the features of the Identity Monitor is that I can look up my credit report whenever. It tells me accurately what is on my report (it matches up with my free credit reports from those 3 agencies or whatever). So, would you say the credit score it gives me is about accurate?

Does anyone know their score more factually and have Identity monitor? are the scores the same or at least close?
Yeah, I know about Transunion, Experian and Equifax, but I looked them up before during this year and I’m in the process of building up my credit, so I was hoping that there was an accurate source that would reflect the changes I make.

Why do you say it is/isn’t accurate? Do you use it yourself? Again I know it’ll never be right on to the point, but is it completely wrong for some reason? Sugar-coated somehow?

Larry

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.

sponsored links
florida times union archives
News From Anywhere In The World’s Largest Newspaper Archive.

NewspaperArchive.com/archives
Local Real Estate Listings
Search over 1 million home listings from the local newspaper.

www.homescape.com
Free Credit Report with All 3 Scores
Free 3-bureau Credit Report includes Transunion, Equifax, Experian.

FreeCreditReportsInstantly.com
Ads by Yahoo!
“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 1, 2009

It is Easy Getting a Free Credit Report – Learn the Facts

Bryan Burbank asked:


Your credit score is one of the most important factors for you to obtain a loan or a job. It is important that you keep track and are aware of what your credit score is and that you try to improve it. All of the credit agencies, Experian, TransUnion, Equifax are required by law to allow you to obtain a credit report for free once a year. It is important that you take advantage of getting your free credit report because this is how you can monitor your credit score and make sure that it is accurate.

Find Free : Debt Relief Today

In many cases your credit report may not be accurate and it is up to you to dispute any item that is incorrect on your credit report. If you find some error on your report this can greatly effect your credit score and can keep you form getting a low interest loan.

Get a Free Money : Government Grant Now

Another way to get a free credit report is if you have been denied for a loan or credit card then they are required to send you a credit report at no charge but you must request it form them.

Monitoring your credit report is one fast and easy way for you to stay on top of your credit score because there is going to be times were you are going to want a loan and if your credit score is not good then this can greatly affect your interest rate or you may not get the loan.

Remember that getting a free credit report is not hard and you want to get one at least once a year so that you can monitor your credit score and make sure that all items that are reported are correct and accurate.



Anthony

November 24, 2009

How To Get Your Free Credit Report

John Rasor asked:


current state of the economy, your credit report and credit score has become increasingly significant when it comes to borrowing money. Mortgage companies in particular, in an effort to reduce risk are scrutinizing credit scores to the point that getting a home loan is about as easy as building a rocket. We recently discovered that Fannie Mae has created a new set of guidelines regarding your credit score. If you have a score below 680 you will pay a higher rate on your mortgage. For the past decade they set the standard at 620. According to the credit bureaus, the average score is just below 680. What do you think is the most important factor in getting a home loan? Most people don\’t realize it, but your credit score tops the list as the most important factor. There are a few other things that you must have as well. A down payment is now mandatory. In the past you could have the seller pay all of your closing costs and get 100% financing meaning that you got in without a dime out of pocket. Not any more. You will also need verifiable income. Another big change from the days of \”stated income\” mortgages. It takes a combination of all three of these things but credit score carries the most weight. Beyond being approved for a mortgage loan, your credit score will determine the rate you get on a car loan, the interest rate you pay on credit card balances and which type of cards you qualify for. These days, it may just be the determining factor in why you don\’t get that car loan or credit card. Looking for job? Better hope you have a decent FICO score. These days potential employers are obtaining your score in an effort to predict what kind of worker you will be. Apartment managers and land lords will also use this number to gauge whether or not you will pay the rent on time. Getting your free credit report is actually quite simple. http://www.annualcreditreport.com/ will give you your report from Experian, Equifax and TransUnion once each year. You will get access to everything contained in your credit report except the credit scores. This makes the service pretty useless. There isn\’t much benefit in getting your free credit report unless it comes with your credit scores. Everyone knows that nothing in life is free. It seems that there is a catch to everything these days. Through various affiliates of the credit bureaus you are able to obtain all three of your credit scores, but in order to do so you are required to enroll for a free 30-day trial of credit monitoring service and required to give your credit card number. If you choose to opt out within the trial period, you will not be charged. Technically, you just got a free credit report with credit scores. Most of these services allow you to obtain unlimited updates to your credit scores along with identity theft protection and various other valuable features. You\’ll be able to see who has been looking at your credit as well as get contact information for all of your creditors. If you haven\’t seen your credit scores lately, take the time soon to find out what they are.

Jill

Anyone else have difficulty getting their Annual Credit Report?

1985 & going strong asked:


For the past several years, I have encountered difficulty getting the free annual credit report from the credit bureaus. For “security purposes”, they each ask some questions ( 2 or 3) to verify my identity — one always involves a mortgage — and I always give the correct response (I don’t have a mortgage). This renders the other question/s about the mortgage inaccurate as well.

Regardless, I have continually gotten the message (after declining to purchase additional services), that I need to mail in additional information to confirm my identity, or wait for some code to show up in the mail that I can use to view my report. I believe there is a phone option as well.

Initially the trouble was only with TransUnion, which lasted for a few years. I have not been able to access my free credit reports beyond the second year after the program’s introduction.

I was wondering if anyone else has experienced difficulty gaining access to their free credit reports?

Samuel

« Newer Posts

Powered by WordPress
free credit bureau report | repair credit