master stghm asked:


I have a small collections of $79 dollars on my credit report from Experian that I wasn’t aware of until my credit union told me.

I will pay it, because I remember what happened and I do owe the money, but I don’t want it to stay on my credit report even after I’ve paid it. How can I get them to erase it?

Rita

Cris H asked:


Where do I start and how do I go about getting old stuff ( over 7 years ) removed from my credit report? I disputed it with the Trans UNion, Equifax and Experian but they claimed they verfied them and said they were due to come off back in Decemember of 07 but they are still there… How do I get them off?

Betty

wantsshy asked:


Where do I start and how do I go about getting old stuff ( over 7 years ) removed from my credit report? I disputed it with the Trans UNion, Equifax and Experian but they claimed they verfied them and said they were due to come off back in Decemember of 07 but they are still there… How do I get them off?

Ramon

mamalade asked:


I disputed an item on my credit report with Experian and the result was in my favor, but do I do the same with the other 2 bureaus?

Betty

Ryan asked:


In 2003, Congress passed a law that made an amendment to the Fair Credit Reporting Act that requires each of the three credit reporting agencies (Trans Union, Experian, and Equifax) to provide you with a free annual credit report. The law allows any U.S. consumer to access their free annual credit report once from each and any agencies over a 12 month period. That means you can get a copy from Trans Union in January, a copy from Equifax in May, and a copy from Experian in July, or get all three at once if you like.

What’s important to note is that there is only one, official free Annual Credit Report website that is authorized to provide you with this information at no charge. There are many sites that look and sound familiar to the Annual Credit Report site, but they are not the official site that provides your information for free. If you end up on a different website unintentionally and are offered a copy of your credit report for free, be sure to stop and read the fine print.

The alternative sites may offer you a your credit report for free, but only with a the purchase of another one of their products of by signing up for a trial offer, which you will end up paying for every month after the trial period until you cancel the subscription.

As you are working to clean your credit report or fix your credit score, don’t get duped into paying for a service you didn’t intend to join. The official free Annual Credit Report website may offer additional service, but does not require you to accept those offers to obtain your free annual credit report.



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James Peter asked:


A credit report incorporates all the details pertaining to your financial condition and is very much essential to all your financial dealings. This credit report is usually prepared by the credit agencies, who in turn keep a track on all your financial activities of a particular year. free instant credit report too is similar, but it can be accessed only by applying online. This report not only helps you to maintain a good financial standing but also helps you to make improvements to your credit score, so as to get the best of benefits.

Credit report essentially showcases your financial strength and categorizes you in to a person with good or bad credit record. Creditors usually prefer to check the credit report before approving any financial aid. It is the same while applying for credit cards or home loan or any other external financial aid. So, it becomes very much important to have an instant credit report available by your side. Moreover, you should check out for the errors and irregularities in the report, as it may create a lot of troubles in the near future.

In accordance with the federal law, this report is issued by 3 credit bureaus namely Transunion, Experian and Equifax. The information pertaining to your credit score is offered by the lenders and various merchants who are present in the market. This credit report contains all your personal information along with the personal details. It is on the basis of this report that you will be able to derive monetary assistance. In fact to a certain extent, creditors levy the terms and conditions on the basis of these details.

There are numerous websites present in the online market who are offering free instant credit report. Applying online to derive this report does not require you to pay a nominal fee. The report comes instantly and what more, it is safe and reliable. There is no fear of someone having a look at your credit report. Besides, you can access the report from location at any point of night or day.



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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

superjustin asked:


freecreditreport.com , experian, transunion, equifax are all in together to make money off me. Where can I get a “real” free credit report without having to give up my credit card information and sign up for some monthly membership or a dumb “identity theft monitoring alert” service ?

thanks for any help!

Daniel

David Makarski asked:


Since 2005 every US citizen is entitled to get a free copy of their credit report from each of the three major credit bureaus, TransUnion, Experian, and Equifax. Detailed information on them can be obtained from the World Wide Web.

Many people are now using the internet to obtain their credit reports. It is an easy way to do so and takes little time or effort. However, there exist chances of getting scammed. So, as a knowledgeable consumer it is important to know how to get a credit report online without being scammed.

Never fall for websites that spam you with credit report offers or phishing websites. Try and get access to the real companies and not bogus companies who offer a “free credit report” and then request you for credit card and person details and then mention in small hidden print that they will charge you after 30 days.

Get access to the major credit report generators through reliable sites like www.1888creditreport.com or http://www.annualcreditreport.com/ . The other reliable source for authentic credit reports is the Federal Trade Commission.

Tips:

• Ensure that your source for free credit reports is authentic before revealing your private information.

• Get free credit reports from the 3 major credit bureaus Equifax, Experian, and Transunion. Use the FTC website http://www.ftc.gov/bcp/conline/pubs/credit/freereports.htm to get details and access to the three major credit bureaus.

• You can also get reports by calling 1-877-322-8228.

Always check your credit report for inaccuracies. Never get al three credit reports at the same time. The intelligent thing to do is to ask for one credit report every four months. That way you will get a “fresh” credit report three times a year free from each of the three major credit bureaus.

In case you need to check on your rights under the FCRA and Fair and Accurate Credit Transactions Act log on to the link provided on the FTC website.

According to the FTC free credit reports must only be got through annualcreditreport.com and the forms are available at http://www.ftc.gov/credit/ or request for a brochure. Consumers are requested not to try and contact the credit reporting agencies directly.

If you request for a credit report online you will get it immediately and via post within 15 days. In order to get a credit report fast you must provide accurate and complete information. Make the effort of verifying the information you fill, check the facts and figures twice.

You will need to provide:

• Your name.

• Social security number.

• Credit card number.

• Bank details.

• Loan details.

• Tax return details.

Check the credit report your receive for inaccuracies and ensure that the inaccuracies are corrected.

A credit report is like your reference or guarantee so make all efforts to get and maintain a good credit report.



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David Faulkner asked:


What role does your credit report play in your life? In case you apply for some sort of a loan, how do you think the lender would judge you? The lender simply checks your credit report which reflects all your credit history along with your credit score. Things do not just end there. The rate of interest decided by the lender on which he will lend you money is also decided on the basis of your previous transactions that reflect in your credit report. Having a bad credit report and credit score can be a sure shot reason for ant one not to trust you for further dealings.

Importance of credit report:

You must always keep a close watch on your credit report keeping in view the effect it has on your life. A person with bad credit report may possibly bear the expenses of not maintaining it and on the other hand, a person who has well maintained it can get much more credit than he otherwise can. A good credit report clearly puts up a faith in your credibility.

The credit report must be checked thoroughly. One should not just rely on one of the bureaus and get regular statements from all the three agencies Equifax, Experian and TransUnion. In case you find anything that is not clear to you, you must report it back and case the problem still persists, you must dispute on it.

What exactly a credit report contains. Basically it contains the complete records about all the transaction being made by you, either it is some expenditure done by you or some payment delivered by you to the concerned agency along with your full identity including your name, personal address, employment status and your social security number. It clearly shows your credit applications. Loans sanctioned to you, loans you asked for but not given to you, credit you still have to pay and also the available amount of money you are still offered by the bureau. It show’s the description of monthly payments that you have to make. All payments made by you, pending towards you and once which you were unable to pay. Last dates of payments along with previous late fees and interests if any are also mentioned.

Taking advantage of the free online credit report annually helps you track your history and make necessary inquires if you find mistakes. This step is important for everyone, even if you have excellent credit or poor credit. You need to know what the credit report says about your credit history. Because lenders use your credit reports and credit score to see if you are credit worthy and what amount of money you may borrow along with your interest rate, you need to keep a close on your credit history.

Once you receive your free online credit report from Annual Credit Report, a highly recognized agency, you can look over the three different credit-reporting agencies and check for errors and wrong information. For instance, if you are divorced and it has you still married, you can summit a letter to them with a copy of your divorce decree so they can correct your credit history. The idea is to have all the information accurate when a lender views your credit history.



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