Your Wealth Guide

Delia Galley asked:


Get a Free Credit Report

Credit management is a leading American issue. Approximately 30 million Americans struggle with some form of poor credit. The quest to repair bad credit, must start with the knowledge of your current credit standing. The only way to do this, is to request a copy of your credit report.

There are myriad of credit reporting organizations that are willing and able to sell you a credit report, however you are entitled to a free credit report per the Fair Credit Reporting Act (FCRA).

The Fair Credit Reporting Act (FCRA) requires each of the Nationwide Consumer Reporting organizations (Equifax, TransUnion and Experian) to provide you with one free credit report every 12 months per your request. This means that you are entitled to three free credit reports per year, if you deem it necessary. You can stagger the requests or order all of them at the same time.

To obtain your free credit report online, you must go to www.annualcreditreport. com. This is the only official website that provides a free credit report. Consumers from all 50 states are eligible for the free report. The offer is extended to residence in the Eastern states, District of Columbia and Puerto Rico as of September 1, 2005. You can also order your free credit report by calling the toll-free number 1-877-322-8228 or mailing your Annual Credit Report Request form to:

Annual Credit Report Request Service

P.O. Box 105281

Atlanta, GA 30348-5281

You will need to provide name, address, Social Security number, and date of birth. If you have changed your place of residence within the last two years, you will need to provide a previous address. Do not contact the Consumer Reporting Agencies directly, they only provide free credit reports through the three methods mentioned (phone, website or mail).

If you request your credit report online, you should be able to get it immediately. If you order your credit report by phone or by mail, you can expect to get it within 15 days of the request.

Once you have obtained your free credit report, verify the information and fix any errors



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Tomas Loden asked:


Can you trust online credit report services? That is the question that consumers are asking today, especially with the hundreds of offers that flood your e-mail in-box promising accurate credit reporting scores with just the click of a mouse.

The good news is that most, if not all of these companies, are legitimate and do in fact provide you the necessary information that is directly related to your credit report and your overall score, which depends on whatever particular credit bureau system the company uses to check your background with.

Free credit report services

Just about every credit report organization will offer you some type of “free” background check of your credit score. While this free report may not entail every detail that you would like to know in terms of your debts, there is some valuable information that can be obtained. However, you should know that these introductory offers are merely just to give you a taste of their product so that you can upgrade to the paid credit reporting services they offer.

Is it safe to submit your personal information for a free credit report service?

If you stick with the most popular credit reporting agencies then you should have absolutely no problem worrying about your personal information being delivered over the Internet such as your Social Security number, driver’s license, etc. This information is typically handled by a secure server and there is little need to worry about the credit form being hacked and stolen by an unauthorized user.

What credit bureaus are checked when using a free credit report service?

Since there are three main credit bureaus that most agencies use to locate and filter your debts and credit score information, this free reporting service may use one of these entities or a combination of all three.

The three national credit reporting organizations used by most businesses is Experian, TransUnion, and Equifax.

Remember, the most accurate scoring for your credit and history can only be obtained by having a combination of all three major credit bureaus. In other words, let’s say for example you sign up with a free reporting service and the information comes back only partially accurate. This means that you would need to upgrade to the paid service in order to get 100% up-to-date credit information.

Is it possible to contact the three national credit reporting agencies on your own, instead of relying on a paid service?

While utilizing a credit reporting service is the most efficient way of compiling your information into one easy-to-read scoring system, you can in fact request your credit history from the three major national credit bureaus. Below is the contact information for Experian, TransUnion, and Equifax:

1. Experian: The phone number is 1-888-397-3742 and Experian will send you your report by mail within seven to ten business days.

2. TransUnion: The contact number for TransUnion is 1-800-916-8800 and in most cases you will receive your credit report within seven business days.

3. Equifax: The phone number is 1-800-685-1111. Equifax is faster than most services and usually sends your credit report out to you within 48 hours.



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Ben Cortese asked:


The Fair Credit Reporting Act (FCRA) requires each of the nationwide consumer reporting companies - Equifax, Experian, and TransUnion - to provide you with a free copy of your credit report, at your request, once every 12 months.

That’s right; you are entitled to receive one free credit report every 12 months from each of the nationwide consumer credit reporting companies. In addition to consumers who are eligible for a free credit report through the Annual Credit Report Request Service; consumers in some states are eligible for a free credit report under state law. The following states have laws that make free credit reports available to consumers: Colorado, Georgia, Maine, Maryland, Massachusetts, New Jersey and Vermont.

Commonly called a credit report, what a credit report is really is a credit file disclosure. A credit file disclosure includes a record of anyone who has received a consumer report about you within a certain period of time. These are often referred to as “Inquiries”. The credit file disclosure includes certain information that is not included in a consumer report about you to a third party, such as the inquiries of companies for pre-approved offers of credit card companies, or medical account information.

A credit report includes information on where you live, how you pay your bills, and whether you’ve been sued, arrested, or filed for bankruptcy. Nationwide consumer reporting companies sell the information in your report to creditors, insurers, employers, and other businesses that use it to evaluate your applications for credit, insurance, employment, or renting a home.

You are also entitled to a free report if a company takes adverse action against you, like denying your application for credit, employment or Insurance. You have up to 60 days to request your report after a decline. You’re also entitled to one free report a year if you’re unemployed and plan to look for a job within 60 days; if you’re on welfare; or if your report is inaccurate because of identity theft.

For more information, see Your Access to Free Credit Reports at http://ftc.gov/credit



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Kathleen Chester asked:


 

Planning to get a house loan or buy some big-ticket item for home? For all these you will require your credit report. A credit report includes all the relevant information regarding where you live, how you pay your bills, and whether you’ve been sued or arrested, or have filed for bankruptcy. Whether you apply for a job or insurance, they refer to your credit card status to evaluate your applications.

If you do not have a credit report then you must order for one now. A credit card report will make your life much simpler and comfortable. It provides financial security and ability to afford things you like.

You can get your free credit report from the Fair Credit Reporting Act (FCRA). It requires each of the nationwide consumer reporting companies which includes Equifax, Experian, and TransUnion to provide you with a free copy of your credit report, at your request, once every 12 months.

Why is getting a credit report important? The information provided in a credit report is sold by credit agencies to organizations that are evaluating whether to offer credit to individuals or companies. In certain cases, in the United States, insurance, housing, and employment can also be denied based on a negative credit rating.

You can get your free credit report ordered online. Here is some of the important information that you may require to provide in order to get a free credit report from the agencies:

· You need to provide your name, address, Social Security number, and date of birth. This is to maintain your individual identity.

· If you have changed your place of stay in the last two years then you may have to provide your previous address along with your present one.

· In order to maintain the security of your file, each nationwide consumer reporting company may ask you for some information that only you would know for example, the amount of your monthly mortgage payment.

· You may be asked for different information by each of the companies because the information each has in your file may come from unlike sources.

Whether you order your free credit report online, by phone, or by mail, it may take longer time than usual to receive your report. It is so because the nationwide consumer reporting company needs more information to confirm your identity.

So, what are you waiting for? Make your financial life more stable and secure. If you still do not have a credit report then order for your free credit report today.



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