Credit Reports Galore

Sophie Wilson asked:


Credit report is an important document that reflects your credit worthiness. You might not know about it before encountering any discomfiture of application loan rejection. But those who are well aware might not ruin it intentionally. So if you were not aware till the time about credit report then its time to get free annual credit report and review it.

A credit report plays an important role. Lenders generally check your credit report before issuing you loan and approve your application only if you are found credit worthy. For you also it’s important to know your credit worthiness so that if it is unfavorable then you could improve it easily. Improvement in your report will lead to more credit worthiness and you will be able to qualify for loans.

There are three main agencies offering free annual credit report namely, TransUnion, Equifax and Eperian. All these are reliable agencies that prepare credit reports. According to federal law these bureaus are required to give you one copy of your credit report very year on your impulse. These credit reports are provided totally free of cost.

If your loan application is rejected by any lender then you are also entitled by law to obtain a free copy of your credit report. Lender that you applied with is obligated to give your name of agency from which he acquired your credit information. Also he will have to furnish you with a valid reason for loan rejection. To protect your credit report from being used in fraudulent acts, you can ask for a social security number. The number is different for all credit reports and is placed on your credit card copy.

This credit report can also be entailed online. There are various agencies offering but always check beforehand the reliability of the agency that you are applying with. You can access your credit scores very easily and in a hassle free way.



WILSON

pretty bia asked:


Where can I get a completely free credit report at online?? I’m moving into my own place, but I’ve never had a credit card before.. they want me to submit a credit report by today, but everyone web site I go to asks for a credit card. The landlord already knows I’ve never had a credit card, and I’m guaranteed the place, because its a family friend, but I need to somehow get them a credit report for their records. Please help!!

ALI

Vianey M asked:


Without having to do it online (I don’t want to give credit card info).
Main credit bureaus: Experian, Equifax, Trans Union.

SEYMOUR

Tony G asked:


i have gone through all three credit sights in order to place a fraud alert on them. yet i am not able to find it anywhere. is there anyone out there that can give me the links to place a fraud alert on my credit with all three bureau’s. and if there isnt a way to do this online can someone explain to me in detail on how i can do this in writing?
great answer EngProf. but how do i go buy getting what i beleave is fraud off of my credit report?

TERRANCE

sweetie asked:


I just got a report of my credit report online and it doesn’t look good at all. I have poor credit it’s all messed up I have a car loan I never miss a payment I just pay late sometimes and I have a credit car balance that I owe. The problem is that in September, I will be going to school full time and I will need to get a loan. How am I going to get a loan if I have really messed up credit? I mean is there any chance forme would I be approved because it’s for school? I am trying to fix my credit right now how long will it take to get better? thnks.
If anyone here has experince in credit your answer will be very much appreciated. Thnks.

ABE

crazycali asked:


I recently mailed some documents to dispute an item on my credit report. I received a phone call from an automated service stating that my request had been received and my dispute should be completed in 14days. Don’t really know where to go from here, or what the possible outcomes may be. Ive tried looking online but it seems i am looking in all the wrong places.

ROBBY

Ryan asked:


If you are about to dispute credit report errors, here are some tips to get the results you want quickly.

1. Review your credit report periodically and be prepared to dispute credit report errors. It is common for information on your credit report to be inaccurate, and it can affect your ability to get a loan and the amount you have to pay to borrow money.

2. Only order your credit report form the official Annual Credit Report site. Any other website that offers a “free annual credit report” only does so when purchasing one of their products or signing up for a free trial that will automatically bill you after 30 days. The Annual Credit Report site is completely free and allows instant access to your current credit report.

3. After reviewing your credit report contact the credit reporting agency, in writing, about the information you believe to be inaccurate. Send a copy of your credit report to support your claim, and keep copies of all documentation for yourself.

4. Send your letter via certified mail so you have proof that the information was sent and a record of when the reporting agency received it. By law they have 30 days to review your claim and get back to you with a final determination.

5. If your claim is accepted, the information on your credit report will be removed and your credit score should improve. Upon request, the credit reporting agency must send a notice of the corrections to anyone that received your report within the last 6 months.

6. Keep an eye on your credit report going forward. Just because you dispute credit report errors and win, that does not prevent the creditor or lender to put the negative information right back on your file. If this occurs, you will have to start the process all over again.



GUADALUPE

Robert R asked:


how do i go about finding out if someone has stolen my under aged daughters idenity? the 3 credit reporting agencies wont let me check it online.

IRWIN

Sophie Wilson asked:


Why is it important to know the credit score and for that the credit report? Well, the answer is that keeping a track of the financial details, will only helps you to know more about your financial credibility. You credit also plays a very determined role while acquiring new loans, credit cards and even while qualifying for jobs. So, when the opportunity comes to know about what and where your credit stands, then you can prefer to avail the annual credit report.

Annual credit report stands as a testimonial to all your major financial dealing, personal details, any outstanding debts, address, your contact number etc. in fact, it can be said that it is a complete dossier of your personal account. The greatest advantage of having credit report is that you get to maintain a steady and good credit score. Further, you can also check for any anomalies or any error mentioned in the report and rectifies the same. Besides, the report is updated continuously and you can best assure that there will be not any identity thefts.

In accordance with the federal law, these reports are issued by 3 credit bureaus namely Experian, Equifax and Transunion. The data is collected from the various lenders and merchants with whom you had made any previous transactions. The reports thus generated will be same but the procedure of assessing your credit is different. So, there are chances that the report issues may have some error or some data have been misinterpreted. So, it is a must to check the credit report on a regular basis.

With the changing times, you can derive the annual credit reports from online providers too. All you have to is to register online by offering the required details. Online application enables you to access the report from anywhere at any point of time. However, you should go through the various aspects of the provider before selecting any. Always prefer those who offer annual credit reports without asking for any fees.

Annual credit reports enables you to understand your financial; position in a better way and enables you to remain away from any credit problems.



REID

kmalip asked:


I use to have a nextcard and I’m trying to clean up my credit report. I tried calling the number but it won’t let me get past an automated system. I tried to find it online, but the website doesn’t exist anymore and the only thing I could find are federal litigations against the company. Needless to say the company no longer exists because they no longer have a bank associated with them as well as no financial backing. So what happens now? How do I get this off my credit report? Does anyone know?

STERLING