Free Credit Reports You May Not Know About

Free Credit Reports You May Not Know About Many of you know you can get free credit reports once a year from Experian, Equifax and Trans Union by going to annualcreditreport.com (or you may call 1.877.322.8228 and use the prompts). But what you may not know is that there are quite a few other credit-related reports you may obtain that relate to your credit standing. These reports may be useful in checking for ID theft or the source of inaccuracies in your credit history. Some of the more useful reports are as follows: 1) Public Records. LexisNexis Personal Reports contain...

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The Truth About 10 Common Credit Report Myths

The Truth About 10 Common Credit Report Myths Here are some of the most common myths concerning credit reports. 1) I haven’t done anything wrong so my credit reports must be OK. Your credit reports may have errors that affect your credit standing even if you did nothing to cause the errors. By some estimates, 70% of credit reports have errors. The errors may be lowering your credit score, which will mean you may have to pay a higher interest rate on credit. Morale to this story is to periodically download your credit reports and check for errors. If you...

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Parents Should Check their Children’s Credit Reports

Parents Should Check their Children’s Credit Reports Parents should periodically check their children’s credit reports. The reason is that fraudsters sometimes steal the kids’ identity. They know that children likely won’t notice their identity has been stolen and parents don’t typically check their credit reports. A good time to check is when a child is 16. At that point, there is time to take action to correct the reports. Children should not have credit reports and so if there is a credit report it may be because someone has stolen the child’s identity. A research firm found that one in...

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Consumer Can Now Upload Documents to Support their Disputes

Consumer Can Now Upload Documents to Support their Disputes The Consumer Financial Protection Bureau today announced that If you’re trying to correct an error in your credit report at one of the nation’s largest credit reporting companies, there is some good news. Recently, Equifax, Experian, and TransUnion added a function to their online dispute-handling systems that allow consumers to upload supporting documents such as a paid bill, letters, a police report, or proof of identity information to help explain their disputes. Millions of Americans dispute errors in their credit report. In 2011, Equifax, Experian, and TransUnion together received about 8...

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The Impact of Foreclosures & the Rescission on Consumers’ Credit Records

The Impact of Foreclosures & the Rescission on Consumers’ Credit Records As everyone knows, foreclosures and accompanied recession caused tremendous economic damage affecting millions of consumers. These events have adversely affected the credit standing of millions of our citizens. The National Consumer Law Center has published an excellent report describing the problem and what should be done to mitigate the problems. Consumers who lost their homes due to foreclosure inevitably end up with a report of a foreclosure on their credit reports. These reports knock their credit scores down by 100 to 150 points. Even when a homeowner avoided foreclosure...

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