Your
Credit Report
Are
You Looking To Repair Your Credit So You Can Qualify For
Home and Auto Loans and Not Pay Double
Digit Interest Rates?
From: Kate Rieger,
President
Second Opinion Solutions Group, LLC
Corydon, Southern Indiana
Monday 07:19pm
Kate Rieger
Your Credit Report Advisor
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The 3 major credit reports are provided by national credit bureaus. Credit bureaus are a clearinghouse for information on the lending risk rating of individuals or firms. These companies are often called a “consumer reporting agency”.
No one company is any “better” than the
other.
The reporting agencies are for-profit organizations. They compile and distribute the credit reports and personal information to lenders. This information may include payment habits, number of accounts, balance of accounts, and length and place of employment.
These agencies collect and sell information about how people handle credit. They issue reports that list how individuals manage their debts and make payments, how much untapped credit they have available and whether they have applied for any loans.
The reports are made available to individuals and to creditors who profess to have a legitimate need for the information. The three major national reporting bureaus are...
Equifax,
Experian (formerly TRW),
Transunion
You have the right to examine your credit reports. There is usually a small fee for these reports. However, if you have been denied credit, or a victim of identity theft there is no charge.
This is directed by law, the Fair and Accurate Credit Transaction Act. This act also allows everyone to request for one free credit report each year from each of The Big Three.
Equifax
P.O. Box 740241
Atlanta GA 30374-0241
(800) 685-1111
http://www.equifax.com
Experian (Formerly *TRW)
P.O. Box 2002
Allen TX 75013-2002
(888) 397-3742
http://www.experian.com
Trans Union Corporation
Consumer Disclosure Center
P.O. Box 1000
Chester, PA 19022
(800)888-4213
http://www.transunion.com
Now the catch to the 'free' credit
reports is that they don't come with a
credit score. I always recommend
people who are trying to dispute items
on their credit report
get a 3-in-1 report. These are
affordable alternatives to the 'free'
ones and are a lot easier to read.
I can’t stress enough that you should
check over your credit report on a
regular basis. Often, mistakes can be
made and you can take steps to removing
that information so that you won’t be
denied credit.
In
fact, I've completed a mini-course that is available to you - Free..
Its entitled
"Extreme Debt Reduction & Credit Score Boosting Strategies That 98% Of Borrowers
Will Never Know -- And How
You Can Learn These Strategies Too..."
Well, the title is a bit
long, but the course has 7 easy to follow lessons that you can refer back to at any
time. You'll learn how to read your credit report, ways to improve your score -
now, and also free credit letters
showing you how to dispute entries on
your credit reports. I've even
tossed in some tricks that credit
attorneys use -- and get paid hundreds
of dollars for -- all for your to
read and use for your own credit report
repair.
To
start this free, online mini-course, 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,
 |
