May
19
Filed Under Credit | Comments Off
Abhishek Agarwal asked:
Equifax has been compiling credit reports since 1899. You can now get your own free credit report every year from Equifax. Your credit report is what banks, mortgage and credit card companies use when they are deciding whether to grant you credit. It is a record of every credit transaction you have ever made.
Until recently you had to pay to get your credit report. But now thanks to the FACT Act which was passed in 2003 every American can see their own credit report. Previously, only companies had access to this information. Now you can see for yourself the information on which lenders base their decisions.
Equifax is a global company with 4,600 employees in 13 countries. With $1.4 billion in revenue it has a proven track record in the field of credit reports.
All you have to do to get your free credit report is to go to the Equifax website. Follow the simple instructions and your report will appear on your computer. You can download it or print it.
You must establish your identity by providing some information such as date of birth, social security number, name and address. Equifax needs to verify who you are before it hands out this sensitive information. But the whole process only takes a few key strokes.
Once you’ve got your credit report you can check it against your own records. If there are any inaccuracies you can report them to Equifax. When you provide the documentary evidence that a mistake has been made you can have the report corrected.
Then lenders will get an accurate picture of your credit history. If you have been the victim of identity theft and someone has used your name to get credit then you can have those transactions removed from your report.
Any inaccuracies in the credit report may have been lowering your credit score. Lenders may have refused you credit because they thought you were a bad risk.
There are two other companies that compile credit reports. You can also get free credit reports from them. But Equifax is one of the giants of the industry and a company that is well trusted by lenders. Equifax has been providing credit reports for over a century. So take advantage of the FACT Act and get your free credit report from Equifax today. Your credit score need no longer be a mystery to you.
PAT
Equifax has been compiling credit reports since 1899. You can now get your own free credit report every year from Equifax. Your credit report is what banks, mortgage and credit card companies use when they are deciding whether to grant you credit. It is a record of every credit transaction you have ever made.
Until recently you had to pay to get your credit report. But now thanks to the FACT Act which was passed in 2003 every American can see their own credit report. Previously, only companies had access to this information. Now you can see for yourself the information on which lenders base their decisions.
Equifax is a global company with 4,600 employees in 13 countries. With $1.4 billion in revenue it has a proven track record in the field of credit reports.
All you have to do to get your free credit report is to go to the Equifax website. Follow the simple instructions and your report will appear on your computer. You can download it or print it.
You must establish your identity by providing some information such as date of birth, social security number, name and address. Equifax needs to verify who you are before it hands out this sensitive information. But the whole process only takes a few key strokes.
Once you’ve got your credit report you can check it against your own records. If there are any inaccuracies you can report them to Equifax. When you provide the documentary evidence that a mistake has been made you can have the report corrected.
Then lenders will get an accurate picture of your credit history. If you have been the victim of identity theft and someone has used your name to get credit then you can have those transactions removed from your report.
Any inaccuracies in the credit report may have been lowering your credit score. Lenders may have refused you credit because they thought you were a bad risk.
There are two other companies that compile credit reports. You can also get free credit reports from them. But Equifax is one of the giants of the industry and a company that is well trusted by lenders. Equifax has been providing credit reports for over a century. So take advantage of the FACT Act and get your free credit report from Equifax today. Your credit score need no longer be a mystery to you.
PAT
May
18
How do I remove a “paid in full” student loan delinquency from my credit reports?
Filed Under Credit | 3 Comments
asked:
I have a student loan delinquency showing from PHEAA and AES on my credit report that is scheduled to fall off next year. I have since paid the account in full and didn’t know about the “pay for delete” strategy at the time. Is there any way of appealing to these agencies to have them remove the derogatory info from my credit report?
I have disputed this delinquency on all of the major credit reports and the delinquency has been validated.
SYLVESTER
I have a student loan delinquency showing from PHEAA and AES on my credit report that is scheduled to fall off next year. I have since paid the account in full and didn’t know about the “pay for delete” strategy at the time. Is there any way of appealing to these agencies to have them remove the derogatory info from my credit report?
I have disputed this delinquency on all of the major credit reports and the delinquency has been validated.
SYLVESTER
May
17
BizInfoMan asked:
I understand that some cities are sending unpaid parking ticket debt to collection agencies. This is understandable, but don’t you first get an initial letter from the agency before it hits your credit report? I remember hearing that you get a 30-day payment letter prior to a collection agency reporting to the credit bureaus. Anyone?
KIRK
I understand that some cities are sending unpaid parking ticket debt to collection agencies. This is understandable, but don’t you first get an initial letter from the agency before it hits your credit report? I remember hearing that you get a 30-day payment letter prior to a collection agency reporting to the credit bureaus. Anyone?
KIRK
May
15
Filed Under Credit | Comments Off
Sophie Wilson asked:
Are you curious about your credit report and would like to know if it needs repairing? The free annual credit report helps you take into account, whether the scores have gotten better or worse. Hence, you can come to know when you need work better on your credit score. This report keeps a track of your financial transactions.
One can get this report by credit reporting agencies, which are Equifax, Experian and TransUnion. One can order this report through internet. If you are going to view your free annual credit report online, you need to make sure that the website you are viewing is official.
This report will keep you updated with your good or bad scores. When you are viewing your report, you shall make sure that everything is being kept up to date and your information is not being used by someone committing identity fraud.
The free annual report lets you know your annual credit rating with accounts that you currently have opened and the ones that have been closed recently. In order to avoid your personal details being misused, you can ask for a social security number, which is placed on copies of your credit report, and is unique to all individuals.
If in any case you have been denied for loans, you are entitled by law to obtain a copy of this report. The lenders with whom you have applied have to give you with the name and contact data of the credit bureau they acquired your information from. This way, you could contact this credit bureau within 60 days to obtain your free credit report.
The free annual credit report will help you see where you are when it comes to your credit scores. It is a great way to keep a check at your credit rating. There will be a side of the bar online, which is green, which will indicate that, you have a high credit rating, but there is also a red side of the bar, which indicates that you have a bad credit rating.
ERNESTO
Are you curious about your credit report and would like to know if it needs repairing? The free annual credit report helps you take into account, whether the scores have gotten better or worse. Hence, you can come to know when you need work better on your credit score. This report keeps a track of your financial transactions.
One can get this report by credit reporting agencies, which are Equifax, Experian and TransUnion. One can order this report through internet. If you are going to view your free annual credit report online, you need to make sure that the website you are viewing is official.
This report will keep you updated with your good or bad scores. When you are viewing your report, you shall make sure that everything is being kept up to date and your information is not being used by someone committing identity fraud.
The free annual report lets you know your annual credit rating with accounts that you currently have opened and the ones that have been closed recently. In order to avoid your personal details being misused, you can ask for a social security number, which is placed on copies of your credit report, and is unique to all individuals.
If in any case you have been denied for loans, you are entitled by law to obtain a copy of this report. The lenders with whom you have applied have to give you with the name and contact data of the credit bureau they acquired your information from. This way, you could contact this credit bureau within 60 days to obtain your free credit report.
The free annual credit report will help you see where you are when it comes to your credit scores. It is a great way to keep a check at your credit rating. There will be a side of the bar online, which is green, which will indicate that, you have a high credit rating, but there is also a red side of the bar, which indicates that you have a bad credit rating.
ERNESTO