FreeCreditReport.Com or AnnualCreditReport.Com
It’s a good idea to check your credit reports once a year, to guard against identity theft.
The government even makes it easier, mandating that all consumers be allowed access to their credit reports from all three credit reporting agencies – Experian, TransUnion and Equifax – once a year.
The feds set up a special website for consumers to gain this access: www.annualcreditreport.com. That site – and only that site – provides the free access to credit reports. All others carry a fee or commitment.
Why, you might ask, didn’t the feds use the “.gov” domain suffix, which woud have it made it crystal-clear that the consumer was on the right site?
Good question. Maybe someone thought it would be “cool” to have a .com name. Free Credit Report.Com
Whatever the reason for the feds’ foolishness, Nevada Attorney General Catherine Cortez Masto is advising consumers to avoid companies that advertise “free” credit reports but require consumers to purchase products or services to access their annual credit report.
Just use the official site
Even though consumers can get free credit reports through the government-mandated site, Masto says many companies claim to offer free credit reports – and some actually do.
However, consumers should know that other companies may give them a report only if they buy other products or services. Still others say they are providing consumers a “free” report and then bill consumers for services such as credit monitoring, that they have to cancel, sometimes within a 7-day trial membership to avoid any fees. Free Credit Report Com
Tammy, of Fox Lake, Ill., went for an offer like that.
“Well, we needed a FreeCreditReport to move so I thought I would just use the trial & end membership last Sept 2011,” Tammy wrote in a post at ConsumerAffairs. “I called spoke with someone they said they would take care of it for me and send me an email. Well, I did not think of it much after until today when I started going through my bank statements. so I called them they said I never cancelled my husband’s account. I did, but they are telling me I did not. I asked for a refund they gave me one month back but charged me since September.”
Asking for a credit card is red flag
Tammy would not have incurred that expense had she gone to the official site, which is completely free and requires no commitments of any kind. The tip-off for consumers is when a supposedly free service asks for a credit card number. Once you supply billing information, you can expect to get a bill.
“A cautious consumer is a smart consumer,” said Masto.
A federal government law requires commercial websites that advertise that they offer free credit reports to include a box letting consumers know they can get a free credit report at www.AnnualCreditReport.com or by calling 877-322-8228. This notice is designed to protect consumers from deceptive and misleading “free” credit report ads.
Official site provides all three reports
By visiting the official AnnualCreditReport.com website, consumers can ensure the reports they receive are free. Consumers have the option to request all three reports at once or to order one report at a time.
Federal & state laws provide consumers with a variety of tools to help protect themselves against identity theft. Consumers who have a reasonable suspicion that they are or are about to become victims of identity theft can place free fraud alerts on their credit report by contacting one of the US 3 major CreditReport bureaus.
FreeCreditReport.Com – Many people find a great relief in the fact they can receive a yearly government credit report, free. It is a giant step that most people have been waiting for. A yearly government credit report, will give you all the information you need in regards to your personal credit score and rating. This will give you the ability to understand where you are lacking, where you should improve, or if you are going down the right financial path. The best of all, it is absolutely free. What is better than free, especially when you are talking about your financial well-being?
A yearly government credit report, will be sent to you each and every year. These reports can help you determine if you have an acceptable credit score for renting, buying, or applying for credit cards and loans. It is no secret that each one of the above is all determined by your credit rating on the scale. By knowing exactly what is on your yearly government credit report, you will save yourself time, hassle, and embarrassment by knowing exactly where you stand and how banks, property owners, and other creditors will view your creditability.
When you do receive your yearly government credit report, you will want to take a thorough look through it and make sure there are no errors or mistakes. With the unfortunate trend of identity theft, you will want to ensure that everything on your yearly government credit report was indeed incurred by you. If you do find any such instances of errors, mistakes, or items that simply should not be there, you will need to fix it as soon as possible to avoid any further damage to your credit rating. FreeCreditReport.Com
Way back when, OK not that long ago, the only people to view your creditreport were the government and creditors. You had no real idea of what was on there, OK sure we know what credit cards we obtain and used, what loans we got, but that is simply not the only instances located on the yearly government credit report. Have you ever missed a payment? Ever made a late payment? Had utilities disconnected? Been evicted? Inadvertently bounced a check? Applied for and were denied for a credit card, loan, or any form of credit? All of these and so much more are included within your personal credit report.
Essentially, it is very important to know what is on your credit report and your yearly government credit report can help you in understanding what is there, what may need fixed, and how you can improve on your credit.
Get all of your credit report information at [http://goodcreditforyou.com] Copyright 2006 @ Ann Born [http://goodcreditforyou.com] No part of this article may be reproduced in any manner without including the author’s bio.
The On-line Free CreditReport Check from ALL 3 major Bureaus: Experian, Transunion, Equifax. Get Your CreditReport for FREE; Check CreditScore Online; I.D Theft Protection; Increase CreditScore and Fix Credit report.
You can get an annual FreeCreditReport from any of the three major credit bureaus. If you have ever had credit, then there is a report on your borrowing and repaying at one of these bureaus – maybe all three. The Fair Credit Reporting Act is a law saying that every person is entitled to receive one annual free credit report once every 12 months from the credit bureaus.
Annualcreditreports are very important because they contain all of the information about your credit history – not just for the past year, but for at least 7 years. When you request an annual free credit report, the credit agency is not allowed to charge you for the first report. However, if you request more than one report, then you have to pay for the others.
There are many sites on the Internet that will charge you for a creditreport. Therefore it is important to know that you do not have to pay for this service. By analyzing your annual freecreditreport once a year, you will have a clear idea of what your credit score is. Free annual credit reports will help you determine where your focus for the next year should be if you are looking to repair any bad credit items that appear on your report. FreeCreditReport.Com
If you have been denied credit and you think that it is unreasonable, then it would be in your best interest to request a free annual credit report. This is because with the amount of scams that exist, someone could be using your name to receive credit and then giving you a bad rating. If you are working on repairing bad credit that you have, an annual free credit report is enough to request. Credit scores do not raise overnight or because you made one payment on time. It takes at least a year to notice a marked increase, so you shouldn’t pay for extra reports.
When you receive your annual FreeCreditReport, you should carefully read all sections. All aspects of the credit report are included in computing a credit score, so you should pay attention to all of them. Check your address to make sure it is correct and compare the list of accounts to ensure that you have not missed any payments. The AnnualCreditReport.Com also contains a list of people or businesses that have requested credit information on you recently. You should also check this to see that all of these names are familiar to you.
You don’t need to pay, you can get an annual FreeCreditReport.
To download a free copy of Peter’s Credit Repair book visit Peter’s Website Credit Repair Answers and find out about Credit Bureaus and more; including Credit Report Repair Services, Free Credit Reports, and Online Credit Repair.
The Online FreeCreditReport Check from 3 major Credit Companies: Experian, Transunion and also Equifax. Get Your Credit Report for FREE; Check Credit Score; ID Theft Protection; Increase Credit Score and Fix Credit report.
How is this judgment lien impacting your credit rating scores? How do you clear this judgment from your credit report?
First, a judgment lien is a court order that requires the debtor to repay the specific debt listed in the judgment. This debt might have been a collection on your credit report at some previous time. Because you did not pay this debt, even after it became a collection, then the creditor had an attorney file a judgment lien request in the courts and a judgment against the debtor was granted by the courts. This judgment lien was then reported to the credit bureaus so it will show up in the debtors credit file and will not only impact their credit scores but will prevent that person from getting additional new credit with another creditor.
Unfortunately due to poor bookkeeping by some attorney’s offices and by the credit report bureaus themselves, even when you pay this judgment in full it may still appear as unpaid on your credit report. I find that a lot of people are unaware that they have a judgment lien against them until they get a free credit report and start reviewing it.
If you haven’t taken time to view your own credit history recently then you need to get a free government CreditReport and check your credit rating before you ask a creditor to grant you new credit. You don’t want to wait until that time to find out that you have a problem showing up in your credit file. If you do find a judgment on your credit history what do you do about it? By looking at the credit report information you may not even be able to tell who the creditor was and what the initial debt was.FreeCreditReport.Com
You will see a document id and usually will see something that will help you identify which fed government court house you will need to go to find out more about the judgment. You may also find the attorney’s name that filed the judgment for the creditor. You will either need to go to, or call, the court house where the judgment lien is recorded and find the attorney’s name if it does not show up on your credit report.
Call the attorney’s office and get the information about the judgment. Ask the attorney if the creditor will settle for less money if you pay it in full. You will pay the amount due to the attorney’s office. When you do, make sure you get a letter from the attorney’s office which not only states the debt is paid but, also clearly states the document id that is associated with the debt on your credit report. You want it to match exactly.
Once the judgment is paid, mail a copy of your own paid letter to all 3 credit agencies along with a letter asking that they clear this debt in your credit file; don’t depend on the attorney’s office to do this for you. Once the judgment is cleared from your credit history you will see your credit scores improve.
Jackie has been publishing online for many years on a variety of subjects & interest. Come visit her we-bsite at Check Credit Score which offers detail info regarding whats a good credit score and why you really should check your CreditReportScore on an annual basis.
In the United States people have the right to one free credit report each year, though there is no point in getting a credit report if you don’t know what to use it for.
Your free credit report will provide you with a lot of information regarding the credit agreements you have entered into, and their current and past status. It will also tell you what searches into your credit record have been carried out, by which companies and when.
Many of these will be pre-approved credit card searches that are becoming increasingly common. Ironically, even if you apply for a pre-approved card you can still be rejected if your credit score is too low at the time of application. If you have applied for other forms of credit, such as a mail order catalogue, these searches will also be listed.Free Credit Report Com
The score of your own credit report is of much more interest to lenders, since it is a numerical figure calculated on a number of variables that let’s lenders know how much of a credit risk you are. It is a snapshot figure of your credit-worthiness at the time it is requested. While a bad repayment record in your credit report will be with it for seven years, your credit score can be improved over the short term. There are things that can be done to do this, and although they are not easy to achieve, many people are able to repair their credit score in a relatively short period time.
However, that is another topic, and has been introduced to exemplify the difference between a numerical credit score and a credit report that is nothing more than a database of your credit record. The objective of this article is to provide you with information on how to go about getting your own free credit report, and also to provide you with a link on how to understand the report and improve your credit score.
Do not believe those that try to persuade you that repairing your credit score is easy, because it is not, but it can be done. Most financial advice is provided by lenders or others involved in the industry, but mine is based on the personal experience of somebody that is currently in the process of trying to repair his own credit record, and who owed many thousands to credit card companies.
I am well aware of what a credit report is, and pay a subscription to Experian so that I can access my credit record at any time. Even with the subscription, I still have to pay for my credit score. Therefore, your credit score and credit report are separate entities. However, there are things that you do to have certain records removed from your credit report, and that will in turn improve your credit score.
“Charge Offs” are debts that have been written off by banks and financial institutions as not recoverable, and are the worst type of record to have on your CreditReport. If these appear on your free credit record then it might be possible to agree a partial repayment with the bank in return for the record being removed. Sometimes financial institutions will accept this deal if it is the only way they are going to get some of their money back. However, this does not always work since they will generally not be willing to discuss the matter with you.
These records will also disappear after 7 years, so unless you have a pressing need for credit within seven years of the default appearing on your record, you could wait and then check your credit report to make sure it has gone. If not, then request that it is.FreeCreditReport.Com
Free Credit Report
Other uses for your credit report including ensuring that the debt is yours: it is not unknown for the debt of another person to appear on your credit record. Somebody might have used your address to get credit, and it is the address that matters here, not the name. An adjunct to that is that if somebody living in your home, such as a paying guest, has bad credit, then it will appear on your credit report. In such cases you have to inform the credit report agency that the person is not financially dependent on you, and demand that the record be removed. That is your legal right.
Under the Fair Credit Reporting Act (FCRA) you can challenge any entry in your free credit report if you feel it is inaccurate. The credit bureaus that hold your records must then request confirmation of the information from the original creditor, and if that has not been provided within 30 days then the record must be removed. It is often not enough for the creditor simply to confirm the record, but to provide evidence that it is accurate. I have had more than one record removed this way.
Your FreeCreditReport, then, is important to you, but you have to know what to do with it. However, be realistic and understand that perhaps only time can help your credit report. However, your credit score might be easier to improve, especially if you can get a loan such as a bad credit mortgage that, although you will be paying a higher interest rate, will do wonders for your credit score if you maintain your own payments.
Free Credit Report
The 3 major U.S credit report agencies are Experian, Equifax, Trans Union and you have the right to request any of them for a freecreditreport within 60 days of being refused credit, and also a further free report every year. The company refusing you credit must inform you which agency they used.
FreeCreditReport.Com Online Credit Report for Free. Checking Your Credit Score and Credit Report once a year at no cost from Experian, Equifax and TransUnion.Protect Your credit report from I.D Theft and Fix your credit Score right away.. The truth is no matter what precautions you take or no matter how careful you are, there is no 100% way of preventing Identity Theft. The Federal Trade Commission, the U.S Dept of Justice, and the US Attorney General’s Office have all stated that there is no full proof method to avoid this crime.
There is an upside however. By making yourself aware of the threat we are faced with and opening your mind to the way these identity criminals think, you can start minimizing the risk of becoming a target. There are proven steps and measures you could use that will definitely take you out of the spot a light and one step ahead of these crooks. 5 Steps That Will Minimize The Risk Of Becoming A Victim Of Identity Theft
Step 1: The first important thing consumers can do to protect their identity is to monitor their credit reports. By law, the federal Fair Credit Reporting Act requires each of the 3 major nationwide consumer reporting companies to provide you with a free copy of your credit report once a year. You can submit a request for a copy of your free credit report at freecreditreport.com or you can call 1-877-322-8228. They ask not to call the credit reporting companies directly because they only provide free reports through their web address and phone number. This will give you the opportunity to see if there are any unauthorized accounts opened in your name.
Step 2: Don’t give out personal information over the phone, on the internet, or through the mail unless you first initiated the contact or are sure you know who you’re dealing with. Identity thieves have posed as representatives of national banks, members of a charity, and even government agencies to get people to give out their account numbers, Social Security number, and other personal information. Before you share any personal information, always be sure your dealing with a legit organization. You can check an organization’s website by typing its URL in the address bar. Do this instead of cutting and pasting it. Or you can call customer service using the number listed on your statement or in the telephone book just to ensure it is in fact them calling. FreeCreditReport.Com
Step 3: Protecting your mail is very important. Make sure that every single piece of mail with any kind of personal information, even if it’s just your name on it, is cross-shredded before you throw it away. Simply tearing it up into pieces is not going to be good enough. This only provides the thief with a puzzle that they can easily piece together. Drop off your outgoing mail in a post office collection box or at your local post office, instead of leaving it in an unsecured mailbox, especially curbside mailboxes. Always quickly remove any mail from your mailbox. If you’re going to be away from home and can’t pick up your mail, contact your local Post Office and ask for a temporary hold, or a vacation hold. They will hold your mail there until you pick it up or when you are finally home to receive it. Free Credit Report.Com
Step 4: Do not carry your S.S card, credit/debit cards, or passports if you don’t plan to utilize them. Carry only credit and debit cards that you need for the day. Same goes for any other personal identification. If you must have it on you, (i.e. Driver’s License/I.D) ensure that it is secure. If you are at work, be sure to keep your wallet/purse in a safe place. Places of employment are known for having wallets or purses stolen. Do the same with any copies of administrative forms that might have your personal information on it. Free Credit Report.Com
Step 5: As a U.S citizen you have the right to ask about personal information security protocol or procedures at your place of work, other businesses, institutions that collect personal data, doctor’s offices, schools, you name it. Find out about their disposal procedures for personal records and ask if your information will be shared with anyone else other than them. If your information is going to be shared, you should definitely ask what safety precautions they will take to keep your information confidential. If you have a problem with the place of business not being able to disclose that information or simply does not have an answer. It would be best to contact the F.T.C immediately to make them aware of the situation at that particular institute. FreeCreditReport.Com
In Conclusion… There are between 10 to 15 million people affected by Identity Theft every Year. 10% of those victims are children. That means every 3 seconds a new person has their identity stolen. There are other ways to ensure the safety of you and your family’s identity. You just have to become aware of the threats around you and what you can do to avoid them. One of the most important steps a person can take in the fight against Identity Theft is to practice awareness for you and family. FreeCreditReport.Com