Mar

31

Credit Tip! Residents of Colorado, Maryland, Massachusetts, New Jersey, and Vermont are entitled by state law to one free credit report from a credit-reporting agency per year. Residents of Georgia are entitled to two free credit reports.

You have an abundance of alternatives when looking for an absolutely free credit report, no trial. Within the United States, Americans have the ability to receive one absolutely free credit report, no trial from each of the three major reporting companies, yearly. Equifax, TransUnion, and Experian all provide you one free credit report on a yearly basis. The only requirement from you is that you contact any one of them and request your absolutely free credit report, no trial.

You will be required to provide them with proof of identification and current address. This is a necessary step to prove that you are the person shown on the credit report. After you have requested the absolutely free credit report, no trial, you will find your credit report sitting in your mailbox in as little as two weeks. If you are not willing to write these companies to request your free credit report, you can contact them by telephone as well. Depending upon the company you are going with, you may be able to find your credit rating right over the phone. However, you will still need to provide them with some identifying information.

Credit Tip! 4. Learn the legal steps you must take to improve your credit report. The Federal Trade Commission’s “Building a Better Credit Report” has information on correcting errors in your report, tips on dealing with debt and avoiding scams–and more.

Receiving an absolutely free credit report, no trial, is suitable for most people. There is really no reason you need to have constant review of your credit report. It does not generally change overnight, unless you have many different credit issues to deal with. The internet provides you with a multitude of methods in obtaining a free credit report; however, this will not be an absolutely free credit report, no trial. You will be required to provide credit card information and have to go through a 30-day free trial. There is no reason to risk your money or information online, when you can get a yearly, absolutely free credit report, no trial.

Get all of your credit report information at http://goodcreditforyou.com

Credit Tip! 1. Get copies of your credit report–then make sure the information is correct. Go to www.annualcreditreport.com. This is the only authorized online source for a free credit report.

Copyright 2006 @ Ann Born http://goodcreditforyou.com
No part of this article may be reproduced in any manner without including the author’s bio.

Popularity: 7%

Mar

28

Credit Tip! Even accurate data in your credit report must be deleted if it’s not verified.

If your credit score isn’t very high–and your credit report has a few black marks–making some improvements can mean a big difference in loan approvals and credit card interest rates. Fortunately, it’s easier than you think to improve your credit history. Just follow these three simple steps:

1. Get a copy of your report

It’s hard to improve your credit report and credit score unless you actually know all the information that’s being reported about you! So obtain a free copy of your report by either contacting the three major credit reporting bureaus or searching for an instant copy online. The online version is the easiest and fastest because you simply fill out the form with your name, address and similar information, then click the “submit” button to get your results immediately. Just remember to print them so you have a hard copy of your report.

Credit Tip! You will see the addresses for each creditor on the credit report. If it is not there, then you can call customer service to ask them to provide you with the missing information.

2. Look for red flags

Phrases such as “non-paying,” “charged off,” or “default” are red flag signs that could be bringing down your credit score. Other negative notations include “past due,” “unpaid,” “delinquency,” and “collections.” All of these items indicate that you either haven’t been making payments on time, or you haven’t been making payments at all. Words like “repossession,” “bankruptcy,” or “foreclosure” are even worse, because they tell the creditor that you’ve allowed your delinquency to go for so long that someone had to take action.

3. Take action

If the black marks on your credit report are erroneous, contact both the creditor and the credit reporting agency to have the mistake fixed. If you actually have an account that’s past due or delinquent, your best bet is to start making payments immediately–and keep making them every month. If you have a bankruptcy filing or foreclosure on your report, now’s the time to start rebuilding your credit history by obtaining some secured credit and making regular, on time payments.

Credit Tip! You should contact the credit reporting agency and request that the inaccurate information be taken off. To do this you will need to send a letter of request and enclose a copy of the report with the incorrect information highlighted.

You can improve your credit report and credit score if you’re willing to take the time to make changes. Errors and mistakes are typically relatively fast fixes–expect to have them removed from your report in 60 days or so. Legitimate negative items, however, will take a little longer to repair.

Visit Credit Report Sense to view our Recommended Credit Repair Services online.
Also, visit Credit Report Sense for more Credit Repair Advice.

Credit Tip! Don’t attempt to create a separate credit identity to get around your flawed credit report.

Popularity: 7%

Mar

25

Credit Tip! In addition to providing your complete name and address, your letter should clearly identify each item in your credit report that you dispute. State the facts and why you are disputing the information.

If you’ve ever applied for a loan, such as a mortgage or auto loan, you probably know that you have a credit report. It’s one of the tools lenders use to gauge your status as a borrower. The better your credit report–and, subsequently, your credit score–the more likely you are to get low interest rates and favorable loan terms. Fortunately, you can get a free instant copy of your credit report online. And there are lots of reasons you should, such as:

Check for errors!

Errors or mistakes on your credit report could bring down your credit score, making it harder for you to get approved for a loan. For example, an account that is mistakenly labeled as “charged off,” but is actually an account in good standing, could lower your credit score by as much as 50 points! Any erroneous black marks on your credit report–like late payments, non-paying accounts, charge-offs or defaults–will negatively affect your credit history. It’s always a smart idea to review your credit report and look for any mistakes that might be hurting your credit score.

Credit Tip! You should contact the credit reporting agency and request that the inaccurate information be taken off. To do this you will need to send a letter of request and enclose a copy of the report with the incorrect information highlighted.

Check for ID Theft!

Identity Theft has been making news these days, and for good reason. Technology has made it easy for a thief to get your personal information–like your credit card account numbers or your social security number. In no time at all they can use your information to open numerous new accounts in your name, and then charge all types of goods and services! Review your credit report once a year and look for any suspicious accounts, especially ones that are unfamiliar to you. If you find an account on your report that you never opened, be sure to contact both the creditor and the credit reporting agency.

Credit Tip! Repair you own credit report.

Boost your score!

Maybe you’ve made a few late payments, or perhaps you have a few old retail store credit cards that you’ve never used. Your credit report can give you a quick assessment of any accounts that you own, which gives you a chance to improve your credit score. Depending in your personal situation, you might be able to boost your score by a few points if you close an old account or pay off a small balance.

Your credit report can be a useful tool for assessing your credit history and your ability to get a low cost loan. Before you apply for credit, make sure you review a free copy of your credit report online.

Credit Tip! Get a copy of your credit report. Take advantage of the free government credit report from each of the National Consumer Credit Bureaus: Equifax, TransUnion and Equifax.

Visit Credit Report Sense to view our Recommended Credit Report Services online.
Also, visit Credit Report Sense for more information on obtaining a Free Consumer Credit Report.

Popularity: 7%

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