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Build Credit in your Name
If you have delinquent credit and are married, you might want to build your credit in your name instead of using your spouse. Somebody has to have stability. Also if you are divorced and all the credit cards of credit information are in your...
Credit Card Features
Do you know anyone who doesn't have a mailbox overflowing with credit card offers? Open any of them up and you'll find in large print just what makes this card perfect for you. At first glance, this all looks good on paper, but it's the small print...
Credit Cards And Loans - So Many Options - So Little Time
Credit Cards and Loans sounds like just two things, but in actuality, it is dozens of things. Due to a combination of user preferences, lifestyles, and marketing ideas, there are dozens of different types of credit cards out there. Because of the...
Don’t Let A Divorce Ruin Your Good Credit Rating!
In 1998, I divorced my husband and with that divorce came the normal splitting of property and assets. There also came a discussion regarding our credit card debt. Although, we were married for 5 years and did use the credit cards as a couple, only...
You can prevent credit card fraud by being careful
One of the biggest problems that people have financially is probably credit card fraud. With the number of different ways that credit cards are used now, it’s more and more likely that a credit card could be stolen. While it is scary to find out how...
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Credit Reporting Agencies
Credit reporting agencies maintain electronic records of your credit activities. Today, there are three major national credit bureaus: Equifax, Experian and Trans Union. If you are planning on applying for a loan or credit anytime in the near future, it's a good idea to obtain a copy of your credit report.
For a fee, you can request a copy of your credit report at anytime by contacting one or more of the major credit agencies. Or you can receive a free copy of your credit report through one of the many credit companies available on the Internet. Our favorite source of information on credit reporting agencies on the Web is www.credit-report-credit-score.com
The Fair Credit Reporting Act was amended a few years ago to beef up consumer privacy. Under its rules, you are legally entitled to obtain your credit report from a credit reporting agency. This includes receiving a list of everyone that has requested your report.
If you have been denied credit based on information in your credit
report (the creditor must provide a reason for denial), you have 60 days from the day you receive a denial notice to receive a free copy of the credit report. Additionally, the law also entitles you to receive a free credit report every 12 months if you are unemployed and seeking work within the next 60 days, are on welfare or if your report is inaccurate as a result of credit fraud.
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Note: This article may be freely reproduced as long as the authors bio paragraph at the bottom of this article is included, the article is published "as is" (unedited) and all URL's are made active hyperlinks with no syntax changes.
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About the Author
About The Author
This article was written by Beth Pardue who has over 10 years of experience in the financial industry assisting clients with assorted financial needs. To learn more about credit reports or to get a free credit report online please visit: http://www.credit-report-credit-score.com
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