where can you go on the internet to check your credit report with all three agencies for free?
Thursday, January 22nd, 2009
Archive for January, 2009
If i’m being sued, can I get a copy of my credit report for free?
Thursday, January 22nd, 2009
little bitty pretty one asked:
I already got my annual free credit report, so that won’t work, and because of my bad credit I don’t even have a checking account or a credit card to pay for it.
June
I already got my annual free credit report, so that won’t work, and because of my bad credit I don’t even have a checking account or a credit card to pay for it.
June
The Importance of Repairing your credit report.yourself!
Wednesday, January 21st, 2009
Kimberly Kellish asked:
or=”#000080″><p>It seems to be common knowledge today that we are living in a society overwhelmed with debt. Credit card balances are hitting all time highs and in return, people are running into more and more problems with their credit ratings. These circumstances have led to decreased credit scores which lead to increased fees for credit cards, auto insurance, and can even affect you getting a job!</p>
<p>A recent study has shown that nearly 70% of credit reports carry some type of error on them. 70%! Statistics like this is one factor which has resulted in the government allowing Americans the ability to receive a free credit report every year. Americans need to become more aware of what is reported on their credit reports to help decrease these errors.</p>
<p>One business that has begun to flood the web is “Credit Repair Companies”. There are several different websites, many of them claiming to be law firms, which will charge you numerous fees to clean your credit report for you. Typical tactics used by these credit repair companies are bombarding collection agencies with letters, asking them to remove your negative items. What consumers need to know is that these tactics, which give the credit repair company’s the nickname “Dispute mills”, are not effective in removing negative items! Typically it does nothing more then raise red flags at the collection agency’s and can even make it nearly impossible in the future for you to try to re-dispute an item on your own. Collection Agency’s will see these as what it is, a mass mailing to get negative items removed, and take it as ungrounded reasons to have items removed.</p>
<p>Their tactics and fees are on thing to consider but one previously unmentioned thought may be even more important, identity theft! Identity theft is one of the highest crimes in the country today. When you hire a credit repair company on the internet you may know nothing more about the company then its website address. There first step will be to charge you all kinds of fees, secondly they will want a copy of your credit report so that they can fix your negative items or errors. Now if this is a legitimate law firm or credit repair company, there may be nothing to fear, but what if their not? You just gave someone access to all your personal information including not only your credit card numbers, loan numbers, but your social security number, address and everything that legally makes you…YOU!</p>
<p>For those few reasons you need to understand that you do not need to hire anyone to fix your credit report. You can accomplish the same thins even the best credit repair company can accomplish, by doing it yourself! The people at creditrepairplan.com help you to learn how you can fix your credit effectively, legally and simply. They provide you with a simple step-by-step calendar to follow, sample letters to send to collection companies or creditors, and maybe even more importantly, empower the consumer by informing them of their legal rights when it comes to credit repair.</p>
<p>We shouldn’t become overwhelmed by the process or frustrated by the creditors games. Become informed, learn your rights and regain your credit freedom!</p>
Julia
or=”#000080″><p>It seems to be common knowledge today that we are living in a society overwhelmed with debt. Credit card balances are hitting all time highs and in return, people are running into more and more problems with their credit ratings. These circumstances have led to decreased credit scores which lead to increased fees for credit cards, auto insurance, and can even affect you getting a job!</p>
<p>A recent study has shown that nearly 70% of credit reports carry some type of error on them. 70%! Statistics like this is one factor which has resulted in the government allowing Americans the ability to receive a free credit report every year. Americans need to become more aware of what is reported on their credit reports to help decrease these errors.</p>
<p>One business that has begun to flood the web is “Credit Repair Companies”. There are several different websites, many of them claiming to be law firms, which will charge you numerous fees to clean your credit report for you. Typical tactics used by these credit repair companies are bombarding collection agencies with letters, asking them to remove your negative items. What consumers need to know is that these tactics, which give the credit repair company’s the nickname “Dispute mills”, are not effective in removing negative items! Typically it does nothing more then raise red flags at the collection agency’s and can even make it nearly impossible in the future for you to try to re-dispute an item on your own. Collection Agency’s will see these as what it is, a mass mailing to get negative items removed, and take it as ungrounded reasons to have items removed.</p>
<p>Their tactics and fees are on thing to consider but one previously unmentioned thought may be even more important, identity theft! Identity theft is one of the highest crimes in the country today. When you hire a credit repair company on the internet you may know nothing more about the company then its website address. There first step will be to charge you all kinds of fees, secondly they will want a copy of your credit report so that they can fix your negative items or errors. Now if this is a legitimate law firm or credit repair company, there may be nothing to fear, but what if their not? You just gave someone access to all your personal information including not only your credit card numbers, loan numbers, but your social security number, address and everything that legally makes you…YOU!</p>
<p>For those few reasons you need to understand that you do not need to hire anyone to fix your credit report. You can accomplish the same thins even the best credit repair company can accomplish, by doing it yourself! The people at creditrepairplan.com help you to learn how you can fix your credit effectively, legally and simply. They provide you with a simple step-by-step calendar to follow, sample letters to send to collection companies or creditors, and maybe even more importantly, empower the consumer by informing them of their legal rights when it comes to credit repair.</p>
<p>We shouldn’t become overwhelmed by the process or frustrated by the creditors games. Become informed, learn your rights and regain your credit freedom!</p>
Julia
How do you obtain a free credit report if?
Wednesday, January 21st, 2009
LJ asked:
I have gone on to freecreditreport.com. Why are they asking for a credit acrd number? Isn’t everyone supposed to get 3 free credit reports a year. Every website I go to like experian, transunion, and equifax all ask for a credit card to pay for a monthy membership. I don’t want a membership. I just want my damn credit report mailed to me and thats it!
Jane
I have gone on to freecreditreport.com. Why are they asking for a credit acrd number? Isn’t everyone supposed to get 3 free credit reports a year. Every website I go to like experian, transunion, and equifax all ask for a credit card to pay for a monthy membership. I don’t want a membership. I just want my damn credit report mailed to me and thats it!
Jane
Credit Reports and Credit Repair Tips
Wednesday, January 21st, 2009
Ronnica Rothe asked:
Having a bad credit report can affect your current interest rates and your ability to apply for further credit or loans. It is a good idea to know what your credit report contains, as this is what potential lenders see when they consider you as a candidate for a loan whether it is for a house, car, or other item.
The first step you need to take in examining and fixing your credit is to obtain a copy of your credit report. The three major credit bureaus are now required to provide you one free credit report each year, through the website annualcreditreport.com. Though each credit bureau might have slightly different information about you, each report should be more or less the same.
Once you have obtained a copy of your credit report, look it over for accuracy. Most negative items are only allowed to stay on your credit report for 7 years, however bankruptcies can remain for 10 years and unpaid tax liens can remain indefinitely after they are posted to your report. If there are any negative items older than that, you need to dispute it so that they will be removed.
Also, make sure that all items are correct. Because negative items are more likely reported than positive ones, it is possible that there is something beneficial missing. Check that all the accounts that you have stayed current on are listed. If not, dispute it so that they will get listed. Also, sometimes items have been reported inaccurately or have been inappropriately attributed to you. These also need to be disputed.
It is relatively simple to dispute an item on your credit report through the specific credit bureau’s website. After filing the dispute, you will hear back from the company with an updated copy of your credit report. If it is not fixed completely, it will then be time to file a dispute by mail with documentation. Make sure to save a copy of everything you send.
There is no need to pay a credit repair service to help you out. There is nothing that they can do that you can’t do easily for yourself. Anything more that they promise you is most likely illegal and not actually beneficial.
If you want to find out more about what on your credit report is helping or hurting you, talk to a credit counselor. They can weed through your credit report and provide you with steps you can take in the future to improve your credit. A credit counselor can show you ways to improve your credit score by making positive credit history to offset the negative items you have in your past.
If you have credit card accounts that are reaching their credit limits or ones that are delinquent, a debt management plan and credit counseling might be right for you. It will allow your accounts to stay current and action to be taken to lower your debt, which are positive factors. Such credit counseling can be beneficial to your credit history as well as provide you with information that can help you avoid bad debt in the future. Knowing what is on your credit report can help you determine what steps to take to improve your financial situation.
Cody
Having a bad credit report can affect your current interest rates and your ability to apply for further credit or loans. It is a good idea to know what your credit report contains, as this is what potential lenders see when they consider you as a candidate for a loan whether it is for a house, car, or other item.
The first step you need to take in examining and fixing your credit is to obtain a copy of your credit report. The three major credit bureaus are now required to provide you one free credit report each year, through the website annualcreditreport.com. Though each credit bureau might have slightly different information about you, each report should be more or less the same.
Once you have obtained a copy of your credit report, look it over for accuracy. Most negative items are only allowed to stay on your credit report for 7 years, however bankruptcies can remain for 10 years and unpaid tax liens can remain indefinitely after they are posted to your report. If there are any negative items older than that, you need to dispute it so that they will be removed.
Also, make sure that all items are correct. Because negative items are more likely reported than positive ones, it is possible that there is something beneficial missing. Check that all the accounts that you have stayed current on are listed. If not, dispute it so that they will get listed. Also, sometimes items have been reported inaccurately or have been inappropriately attributed to you. These also need to be disputed.
It is relatively simple to dispute an item on your credit report through the specific credit bureau’s website. After filing the dispute, you will hear back from the company with an updated copy of your credit report. If it is not fixed completely, it will then be time to file a dispute by mail with documentation. Make sure to save a copy of everything you send.
There is no need to pay a credit repair service to help you out. There is nothing that they can do that you can’t do easily for yourself. Anything more that they promise you is most likely illegal and not actually beneficial.
If you want to find out more about what on your credit report is helping or hurting you, talk to a credit counselor. They can weed through your credit report and provide you with steps you can take in the future to improve your credit. A credit counselor can show you ways to improve your credit score by making positive credit history to offset the negative items you have in your past.
If you have credit card accounts that are reaching their credit limits or ones that are delinquent, a debt management plan and credit counseling might be right for you. It will allow your accounts to stay current and action to be taken to lower your debt, which are positive factors. Such credit counseling can be beneficial to your credit history as well as provide you with information that can help you avoid bad debt in the future. Knowing what is on your credit report can help you determine what steps to take to improve your financial situation.
Cody
iam having a hard time getting a free credit report can you help?
Monday, January 19th, 2009
carriebty21 asked:
everytime i go to a site to get a free credit report, they want credit card or debit card info. i do not own any cards. Is there a site that will give me my credit report for free? by me not having these cards i cant get anything its supossed to be free! please help thank you!
Christopher
everytime i go to a site to get a free credit report, they want credit card or debit card info. i do not own any cards. Is there a site that will give me my credit report for free? by me not having these cards i cant get anything its supossed to be free! please help thank you!
Christopher
Do You Know What a Credit Reporting Agency Is?
Monday, January 19th, 2009
Court Tuttle asked:
Though many of us may have a pretty good idea of what the credit system is as a whole, the complex details of it are sometimes hard to understand. There are several important aspects of credit that people who have credit debt do not even understand fully. It is important to know and understand what rules we are playing by and who decides what the rules are in the credit world.
One of the bigger questions that may people may ask is, “Who decides what is on your credit report, and who calculates your credit score?” Honestly, you’re the one who controls what goes on your credit report, and you determine your credit score by the way in which you spend the money you borrow, how and when you pay it back, and the amount of time it takes you to pay it takes you to pay it back. But still, who is responsible for actually calculating your credit score and documenting what goes on your credit report, and how do you know that they are doing it right?
The people who do all of the updating of your credit reports and credit scores are members of a credit reporting agency. A credit reporting agency is basically another word for credit bureau, which may be a little bit more familiar term to credit users. But what ARE credit reporting agencies/bureaus, what do they do, and how do they affect the credit carriers in our world today?
The three main credit reporting agencies are Equifax, Experian, and TransUnion. These are the three that are most reliable when you want to get a copy of your credit report safely, without risk of identity theft or other forms of fraud. They are the ones who are best to call when you have a complaint about your credit report, and they are the ones who can most likely fix it, based on how well you prove your argument.
The credit reporting agencies are given “reports” of the way you manage your credit from several different sources. Whomever you are borrowing money from on credit, like a bank or a credit card company, probably “tells” on you periodically to the credit reporting agencies, so that they can determine your credit worthiness based on factors like how close you come to reaching your credit limit, how many late payments you have, and how much debt you are in at the present time. This can either be a bad thing or it can be an advantage to you, depending on how well you have managed the credit lines that are currently open to you.
Recently, citizens of the United States who have credit have gained the right of getting one free credit report per year from each of the major credit reporting agencies. These credit reporting agencies are each obligated to send you a free credit report once a year, but only if you ask for one by requesting online, over the phone, or through the mail. This means that you can receive three credit reports for free each year altogether, if you request one from each agency individually.
Alvin
Though many of us may have a pretty good idea of what the credit system is as a whole, the complex details of it are sometimes hard to understand. There are several important aspects of credit that people who have credit debt do not even understand fully. It is important to know and understand what rules we are playing by and who decides what the rules are in the credit world.
One of the bigger questions that may people may ask is, “Who decides what is on your credit report, and who calculates your credit score?” Honestly, you’re the one who controls what goes on your credit report, and you determine your credit score by the way in which you spend the money you borrow, how and when you pay it back, and the amount of time it takes you to pay it takes you to pay it back. But still, who is responsible for actually calculating your credit score and documenting what goes on your credit report, and how do you know that they are doing it right?
The people who do all of the updating of your credit reports and credit scores are members of a credit reporting agency. A credit reporting agency is basically another word for credit bureau, which may be a little bit more familiar term to credit users. But what ARE credit reporting agencies/bureaus, what do they do, and how do they affect the credit carriers in our world today?
The three main credit reporting agencies are Equifax, Experian, and TransUnion. These are the three that are most reliable when you want to get a copy of your credit report safely, without risk of identity theft or other forms of fraud. They are the ones who are best to call when you have a complaint about your credit report, and they are the ones who can most likely fix it, based on how well you prove your argument.
The credit reporting agencies are given “reports” of the way you manage your credit from several different sources. Whomever you are borrowing money from on credit, like a bank or a credit card company, probably “tells” on you periodically to the credit reporting agencies, so that they can determine your credit worthiness based on factors like how close you come to reaching your credit limit, how many late payments you have, and how much debt you are in at the present time. This can either be a bad thing or it can be an advantage to you, depending on how well you have managed the credit lines that are currently open to you.
Recently, citizens of the United States who have credit have gained the right of getting one free credit report per year from each of the major credit reporting agencies. These credit reporting agencies are each obligated to send you a free credit report once a year, but only if you ask for one by requesting online, over the phone, or through the mail. This means that you can receive three credit reports for free each year altogether, if you request one from each agency individually.
Alvin
Do You Need Your Credit Scores With Credit Report?
Sunday, January 18th, 2009
Mike Clover asked:
I was real excited after I went to annualcreditreport and got my free credit report. But to my surprise there were no credit scores. I started asking myself since everyone looks at your credit score shouldn’t I know what my scores are? I would assume there is a reason for a credit score to begin with, and some very important purpose behind this magical number that everyone closely looks at these days. In this article I will discuss why you need to know your credit score and by not knowing it how it can affect your personal life.
Reasons for knowing your credit score:
When you apply for a loan, all lenders look at your credit score to determine what type of loan they will put you in. Your score will also determine the rate and terms as well. This magical number also will dictate how much money you need to put down on the purchase too. The lower your score the higher your risk, and the uglier your loan terms are. This is just one example of why you need to know this 3 digit number.
When applying for that higher paying job, guess what most companies are doing now. They pull your credit, and if your score is low I am sure they may consider hiring the applicant with the same credentials but higher score. You might ask yourself why, and the answer would be risk. Your score gives anyone that requests your report the type of risk you are. This employer may think you are an irresponsible person by having low scores. This could cause them to pass you up on the position.
Maybe you are trying to get insurance for a car, house, or a boat. All insurance agents pull your credit, and determine your premium based on your credit score. The software that spits out this number will even affect your insurance cost. This is amazing if you think about it. Even utility companies are pulling your credit report now, and if you have bad credit they will require larger deposits, just incase you skip out on the bill.
Since everyone is looking at your credit score to determine your credit risk, maybe its time to learn all three of your scores. With the current credit crunch that is taking place, matters will only get tough to get loans. There has never been a more important time to learn what is being reported about you. So the answer is yes, you need to know all three of your credit scores. It is recommended that you pull your credit report every 4 months, since anything can change within a 30 day window on your report. Below is a example of what is considered good scores according to my FICO.
* Excellent: Over 750
* Very Good: 720 or more
* Acceptable: 660 to 720
* Uncertain: 620 to 660
* Risky: less than 620
Joann
I was real excited after I went to annualcreditreport and got my free credit report. But to my surprise there were no credit scores. I started asking myself since everyone looks at your credit score shouldn’t I know what my scores are? I would assume there is a reason for a credit score to begin with, and some very important purpose behind this magical number that everyone closely looks at these days. In this article I will discuss why you need to know your credit score and by not knowing it how it can affect your personal life.
Reasons for knowing your credit score:
When you apply for a loan, all lenders look at your credit score to determine what type of loan they will put you in. Your score will also determine the rate and terms as well. This magical number also will dictate how much money you need to put down on the purchase too. The lower your score the higher your risk, and the uglier your loan terms are. This is just one example of why you need to know this 3 digit number.
When applying for that higher paying job, guess what most companies are doing now. They pull your credit, and if your score is low I am sure they may consider hiring the applicant with the same credentials but higher score. You might ask yourself why, and the answer would be risk. Your score gives anyone that requests your report the type of risk you are. This employer may think you are an irresponsible person by having low scores. This could cause them to pass you up on the position.
Maybe you are trying to get insurance for a car, house, or a boat. All insurance agents pull your credit, and determine your premium based on your credit score. The software that spits out this number will even affect your insurance cost. This is amazing if you think about it. Even utility companies are pulling your credit report now, and if you have bad credit they will require larger deposits, just incase you skip out on the bill.
Since everyone is looking at your credit score to determine your credit risk, maybe its time to learn all three of your scores. With the current credit crunch that is taking place, matters will only get tough to get loans. There has never been a more important time to learn what is being reported about you. So the answer is yes, you need to know all three of your credit scores. It is recommended that you pull your credit report every 4 months, since anything can change within a 30 day window on your report. Below is a example of what is considered good scores according to my FICO.
* Excellent: Over 750
* Very Good: 720 or more
* Acceptable: 660 to 720
* Uncertain: 620 to 660
* Risky: less than 620
Joann
How do I get a FREE credit report?
Sunday, January 18th, 2009
Jennifer™ asked:
I know that my credit isn’t that good (apartment searching taugh me that), and I wanted to know how to look up my credit score for free online or how ever else. I already tried “Free” Credit Report.com and well… it ain’t so free you see >:-P So I was wondering if any of you smart people out there would be able to help me out with my search, I would greatly appreciate it
Thank you all for your time.
Rhonda
I know that my credit isn’t that good (apartment searching taugh me that), and I wanted to know how to look up my credit score for free online or how ever else. I already tried “Free” Credit Report.com and well… it ain’t so free you see >:-P So I was wondering if any of you smart people out there would be able to help me out with my search, I would greatly appreciate it
Thank you all for your time.Rhonda
Where Can I Get A free Credit Report?
Saturday, January 17th, 2009
scarmmdnhw07 asked:
I’d love to know my credit and I’ve heard we can get a free credit report somewhere?
Phyllis
I’d love to know my credit and I’ve heard we can get a free credit report somewhere?
Phyllis