"To be idle is a short road to death and to be diligent is a way of life; foolish people are idle, wise people are diligent."Buddha
|
| |
A Better Way To Watch Your Credit Reporting
Are you a victim of any credit card fraud or identity theft? Then you definitely need an enhanced defense from those menaces. You can get superior security from http://www.gotocreditreport.com. Actually, those financial offenses take place due to the ...
Debt Consolidation with Bad Credit
If you have bad credit, you might wonder how you're ever going to get the money that you need to get out of debt and restore your credit rating. As odd as it may seem, the answer to your problems might be another loan; taking out a debt consolidation loan ...
How To Apply For A Credit Card Online
The average American mailbox gets sales pitches from credit card companies at about two a day. With this overload of information, choosing the best product that fits your needs can get pretty overwhelming. The sheer number of brochures and ...
|
|
|
| |
Yes, you can now get your credit report without paying a dime. And unlike before, now it is truly free. No longer do you have to sign up for a "free" credit report by signing up for "credit monitoring protection service" for a low annual fee of $79 a year! The days of dodging the annoying charges and service fees for a free credit report are over.
Under the 2003 Fair and Accurate Credit Transactions Act, you have the right to a free copy of your credit report within a 12 month period from the big three credit report bureaus (Experian, Equifax and TransUnion).
The goal of this new government act is to ensure that Americans have the right to stay informed about what these three credit reporting bureaus say about you without having to pay for it. Since identity theft, fraud and errors are quite common today, why should you have to pay for a copy of a report to fight back against these problems?
Here are the 3 ways to get your free annual credit report:
The three credit reporting agencies have created a website to request your annual credit report.
1) Go to www.annualcreditreport.c om
2) Call (877) 322-8228 to request your free credit report.
3) Complete a form from the Federal Trade Comission, http://www.ftc.gov/bcp/conline/include/requestformfinal.pdf and mail it to: Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281.
If you go directly to the three agencies or use any other type of service you may end up having to pay or sign up for the subscription services I mentioned above! Make sure you use one of the 3 methods I have listed to get your annual free credit report.
You can get the reports from all 3 agencies at once or stagger the reports from each one during the course of 1 year. The advantage of staggering the reports that you receive is to keep track of how any major changes in your financial picture affect what is on your credit report. For example, if you plan on getting a second mortgage over the coming year, or applying for student loans, ect. it might be wise to get a report before and after these major events!
This new Act does not supplant the other methods you can take advantage of to receive a free credit report. If you are applying for unemployment or been denied a loan, or need a credit report in order to get a job, you still have the right to obtain a free credit report.
Take advantage of this new government regulation and make sure all of the information listed by all three credit reporting agencies are correct. Any errors or omissions can reduce your credit score and end up costing you a lot of money when you apply for any type of credit.
About the author:
Greg Quincy is the publisher of the website http://www.financialtipsforyou.com, offering his insights and personal finance budget tips that he has gained from working in the financial industry and the economic challenges of raising a family. Copyright © 2005 http://www.FinancialTipsForYou.com
|
|
|
|
|
|
 UK credit agency Experian 1H profit rises 15 pct - Washington Post
LONDON -- British credit agency Experian PLC said Wednesday its net profit rose 15 percent in the first half on strong growth in Latin America and a successful cost savings program. The company said net profit for the six months through Sept. 30 was ...
A tussle over bailout billions - Miami Herald
WASHINGTON -- Faced with exasperated lawmakers upset by shifts in bailout strategy, Treasury Secretary Henry Paulson launched a spirited defense Tuesday of his handling of the $700 billion program and expressed fresh reservations about tapping the ...
No bonus this year for Goldman Sachs CEO Blankfein - WTOP Radio
NEW YORK (AP) - Goldman Sachs Group Inc. CEO Lloyd Blankfein and six other top executives at the bank will not be receiving cash or stock bonuses for 2008, a spokesman said Sunday. The decision was made by the seven executives themselves, said ...
SCENARIOS - What to expect from U.S. auto bailout debate - Reuters UK
DETROIT (Reuters) - The leaders of General Motors Corp, Chrysler LLC and Ford Motor Co are testifying before the U.S. Congress this week in a bid to secure support for a sweeping government bailout that the struggling automakers and suppliers say ...
Shuttle tool bag is really lost in space - Seattle Times
The hand of astronaut Heidemarie Stefanyshyn-Piper is seen at left, through her helmet camera, as she reached for her tool bag before it went floating off. Cape Canaveral, Fla. A spacewalking astronaut accidentally let go of her tool bag Tuesday ...
|
