As a result of recently passed laws, the Federal Trade Commission now requires all of the major national credit reporting bureaus to provide you with a free copy of your credit report, if requested, up to once every 12 months.
The three major credit reporting agencies in the USA are TransUnion, Equifax, and Experian (formerly TRW) And now you can obtain a high quality copy of their records of your financial history, for FREE! Never before has it been so easy to keep track of your credit score and credit report than now.
Everyone should check their credit report! It's FREE
So, how can you obtain one of these free credit report? Easy! All of the three major credit agencies in the US can be sent a request for a free credit report by visiting their official federal website: http://www.AnnualCreditReport.com - They may also be contacted individually at their private websites: www.experian.com, www.equifax.com, www.transunion.com - However, when visiting their private sites you may be charged a fee for additional services and fees, so your best option is to visit the official federal site.
Checking your credit score once a year is an excellent way to stay on top of your finical standing. Looking over your credit report for errors, out of date information, and identity theft is an absolute necessity, something every person should be sure to do. Knowing what's on your credit report and your FICO credit score can help save you thousands of dollars and countless headaches, when you are shopping for a loan, mortgage, credit card, or car lease.
How Do I Get a Free Online Credit Check?
Now that you are aware of the benefits of checking your credit report and score, you are probably wondering "How do I get a free online credit check?" Easy, To learn more about obtaining a free online credit report, visit http://freeonlinecreditcheck.googlepages.com/, an excellent resource on credit reports and your credit score. There are dozens of websites that offer totally free credit reports. There are so many, in fact, that it can be a little bit overwhelming when trying to decide which company to choose. Some things to look for when choosing a credit reporting service are: ease of use, customer service and assistance, detail of reports, accuracy of reports, and whether they offer to assist in repairing your credit score.
--> Free Online Credit Check
Copyright © 2007 - Zach Ford - All Rights Reserved
Article Source: http://EzineArticles.com/?expert=Zach_Ford
Tuesday, March 31, 2009
TransUnion Dispute - How To
To remove an item on your credit report with TransUnion you must file a dispute. This is done through creating a letter yourself or hiring a credit repair service to do it on your behalf.
You should know that you must send this letter separately to each credit bureau. Failure to do this and you may remove an item from one report, however that item will still be shown on your other reports.
In your letter you need to include what item you are disputing and the reason it is inaccurate. Reasons include; item out of date, information is wrong, account paid, and more.
Upon receipt the bureau will conduct an investigation. They will contact the creditor and ask them to verify the account, the dates, and the balance.
If the creditor is unable to verify the account then the item must be erased from your report. Often an investigation will result in the removal of an item.
Should it be verified a service with lawyers on their staff can use advanced techniques to remove it. These techniques include; debt validation, escalated dispute information requests, and creditor direct intervention.
Many people are concerned with credit repair and its' legality. It is in fact legal the Fair Credit Reporting Act that Congress passed gives the consumer the right to dispute any item on their report that they feel is inaccurate.
We recommend saving all your communications. In addition the bureaus have started allowing people to dispute items online, we have found this to be an ineffective method.
Be aware that the 100 word statement that you can place on your report is never a good thing to fill out. In the past this is where consumers could provide a brief explanation as to why an account became delinquent.
Today it is very rarely looked at by lenders and is more often used by the bureaus. They see this as an admission of guilt and will ignore any future letters you send to remove this item; your letters will be deemed frivolous.
In sum, you can remove derogatory marks from you report.
For more information on how to proceed with a TransUnion Dispute or for a review of Lexington Law a suggested credit repair service visit us.
Additionally if you would like a free credit dispute letter or a free credit repair e-book or for a free credit consultation call 1-866-246-7311.
Article Source: http://EzineArticles.com/?expert=John_W_Cooper
You should know that you must send this letter separately to each credit bureau. Failure to do this and you may remove an item from one report, however that item will still be shown on your other reports.
In your letter you need to include what item you are disputing and the reason it is inaccurate. Reasons include; item out of date, information is wrong, account paid, and more.
Upon receipt the bureau will conduct an investigation. They will contact the creditor and ask them to verify the account, the dates, and the balance.
If the creditor is unable to verify the account then the item must be erased from your report. Often an investigation will result in the removal of an item.
Should it be verified a service with lawyers on their staff can use advanced techniques to remove it. These techniques include; debt validation, escalated dispute information requests, and creditor direct intervention.
Many people are concerned with credit repair and its' legality. It is in fact legal the Fair Credit Reporting Act that Congress passed gives the consumer the right to dispute any item on their report that they feel is inaccurate.
We recommend saving all your communications. In addition the bureaus have started allowing people to dispute items online, we have found this to be an ineffective method.
Be aware that the 100 word statement that you can place on your report is never a good thing to fill out. In the past this is where consumers could provide a brief explanation as to why an account became delinquent.
Today it is very rarely looked at by lenders and is more often used by the bureaus. They see this as an admission of guilt and will ignore any future letters you send to remove this item; your letters will be deemed frivolous.
In sum, you can remove derogatory marks from you report.
For more information on how to proceed with a TransUnion Dispute or for a review of Lexington Law a suggested credit repair service visit us.
Additionally if you would like a free credit dispute letter or a free credit repair e-book or for a free credit consultation call 1-866-246-7311.
Article Source: http://EzineArticles.com/?expert=John_W_Cooper
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