Credit
Repair Self Help
Credit
repair self help was made possible by
the Fair Act free credit reports
program.
From: Kate Rieger,
President
Second Opinion Solutions Group, LLC
Corydon, Southern Indiana
Monday 10:10 am
Kate Rieger
Credit Repair Self Help Advice
|
This program is
available to residents of Louisville,
Kentucky and Southern Indiana -- in fact
its free to all U.S. consumers. These free credit
reports give you the right to request
free credit reports if, after applying
for a loan, you were the last one to
find out that you had negative
information on your credit report.
You can also request
free credit reports through the federal
law, FACTA. This law provides you free
credit reports from each of the 3 credit
bureaus.
You must be told if
information in your file has been used
against you.
A rule to remember is if
you have been denied credit, insurance,
or employment -- or any other action
taken against you-- then you must be
told the name, address and phone number
of the agency that provided the
information. Its hard to believe that we
didn't always have this right.
One of the driving
forces behind improvements to credit
reporting specifically and to consumer
rights in general has been the flooding
tide of identity theft. Imagine not
being able to dispute the contents of a
credit report without having to go to
court. No wonder identity theft reached
pandemic proportions.
Free Reports from
Credit Reporting Agencies
You may request a 'file
disclosure' to obtain all the
information about you in a credit
reporting agency's files. The file
disclosure is a free. Here is when you
can request a free credit report:
-
A person has taken
adverse action against you because
of information in your credit
report;
-
You are the victim
of identify theft and place a fraud
alert in your file;
-
Your file contains
inaccurate information as a result
of fraud;
-
You are on public
assistance;
-
You are unemployed
but expect to apply for employment
within 60 days.
If none of those apply
and you prefer to be proactive about the
contents of your credit report, you may
get a free disclosure every 12 months
from each of the 3 major credit
reporting agencies. Consider spreading
out these free reports every 4 months.
That way you can monitor changes (good
and bad), deletions and additions to
your credit reports at each of the
credit bureaus.
The Fair Act free credit
reports Annual Credit Report Service
can be reached at 1-877-322-8228.
You will go through a simple
verification process over the phone.
Your reports will be mailed to you
within 15 days.
-
To Request your Fair
Act free credit reports by mail
download the
request form. [To view the
file you will need
Adobe or our favorite
free PDF viewer]
-
Print and complete
the form
-
Mail the completed
form to:
Annual Credit Report Request Service
P.O. Box 105281
Atlanta, GA 30348-5281
Free Does Not Include
A Credit Score
One caveat. The Fair Act free credit
reports don't come with a score! So what
good is it? The reports still list all
the details that are used to develop
your score.
If you would like to know more about
where to get these reports and how to
read them, take a few seconds to enroll
in my free credit repair self help Mini-Course.
To start this free, online mini-course
entitled
"Extreme Debt Reduction & Credit Score Boosting Strategies That 98% Of Borrowers
Will Never Know -- And How
You Can Learn These Strategies Too..." please complete
the short form below, and you can start
immediately...
Yes Kate - I
want to start today!
What others are saying...
Hi Kate,
I do want to thank you so much for your quick and thorough responses to my questions. I am amazed at the amount of information you manage to deliver. Your
program is terrific.
You give an awful lot of personal attention that can never come from a computer
program.
Thanks for everything - I mean it!
Melissa
Louisville, KY
__________________________________________________
Dear Ms Rieger,
God Bless You!
You treated me like I was someone
important. I thank you for that and for showing me how to improve my FICO
scores. You are truly amazing!
Sincerely,
Roberta D.
Jeffersonville, IN
__________________________________________________
Credit Rejuvenations Rocks!
Dave
|
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P.P.S.
Remember, if you haven't done it yet, make sure you
get your free Special
Mini-Course entitled "Extreme Debt Reduction &
Credit Score Boosting Strategies That 98% Of Borrowers Will Never Know --
And How You Can Learn These Strategies Too..." by completing
the sign-up form above.
Warmest Regards,
 |
