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Applying For A Credit Card With No Credit History - Tips You Need to Know
Oddly enough, not only will bad credit work against you when applying for a loan or a credit card, but no credit will too. Even though this doesn't seem fair, it is the way things work in the complicated world of consumer credit. Lenders are leery...
Buy a car with bad credit
A car is a necessity for most of us. It is difficult to make a living without having a reliable means of transportation. You can take the bus or train, but the convenience of a car allows you to accomplish more in an efficient manner.
People with...
Fair Isaac Corporation Credit Or FICO Score
As I am not from the US, I had no idea what FICO meant before researching it. FICO stands for Fair Isaac Corporation, a company based in California. FICO, put simply, is a person's credit score. A credit score can be used by a potential lender in...
Searching For A Low Interest Credit Card?
These days, people need to very carefully consider what type of credit card they will carry in their wallets. There are so many options out there, and each individual has different needs. Some of us tend to carry a balance, so we need a low...
The "Credit Card Debt Termination" Scam
"Legally terminate credit card debt! You can be debt-free in 4-6 months!" Advertisements like this are for a new type of program that has spread via the Internet over the past few years. It's called "Credit Card Debt Termination," and victims are...
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Get a FREE Credit Report
Get a Free Credit Report
Credit management is a leading American issue. Approximately 30 million Americans struggle with some form of poor credit. The quest to repair bad credit, must start with the knowledge of your current credit standing. The only way to do this, is to request a copy of your credit report.
There are myriad of credit reporting organizations that are willing and able to sell you a credit report, however you are entitled to a free credit report per the Fair Credit Reporting Act (FCRA).
The Fair Credit Reporting Act (FCRA) requires each of the Nationwide Consumer Reporting organizations (Equifax, TransUnion and Experian) to provide you with one free credit report every 12 months per your request. This means that you are entitled to three free credit reports per year, if you deem it necessary. You can stagger the requests or order all of them at the same time.
To obtain your free credit report online, you must go to www.annualcreditreport.com. This is the only official website that provides a free credit report. Consumers from all 50 states are eligible for the free report. The offer is extended to residence in the Eastern states, District of Columbia and Puerto Rico as of September 1, 2005. You can
also order your free credit report by calling the toll-free number 1-877-322-8228 or mailing your Annual Credit Report Request form to:
Annual Credit Report Request Service
P.O. Box 105281
Atlanta, GA 30348-5281
You will need to provide name, address, Social Security number, and date of birth. If you have changed your place of residence within the last two years, you will need to provide a previous address. Do not contact the Consumer Reporting Agencies directly, they only provide free credit reports through the three methods mentioned (phone, website or mail).
If you request your credit report online, you should be able to get it immediately. If you order your credit report by phone or by mail, you can expect to get it within 15 days of the request.
Once you have obtained your free credit report, verify the information and fix any errors.
About the Author
Get rid of credit card debt and Improve your FICO Score.
Free financial information on how to eliminate credit card debt and raise your credit score.
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| Credit Reports - Credit Cards - Car Loans - Home Loans - Credit.com |
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| The FTC's web site on Credit |
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| Federal Trade Commission - Consumer Credit Center |
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| AnnualCreditReport |
| Site set up by the big three credit reporting agencies in the United States, to furnish free annual credit reports, as required by federal law. |
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| Springboard - Non-Profit Consumer Credit Management |
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| Experian: Free Credit Report and Credit Score, Credit Check ... |
| Credit referencing and consumer targeting for the USA and other countries. |
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| National Credit Union Administration - Home Page |
| An independent federal agency that supervises and insures 7152 federal credit unions and insures 4240 state-chartered credit unions. |
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| Credit - Wikipedia, the free encyclopedia |
| Debits and Credits, a type of bookkeeping entry; Credit (creative arts), acknowledging the ideas or ... Retrieved from "http://en.wikipedia.org/wiki/Credit" ... |
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| Credit (finance) - Wikipedia, the free encyclopedia |
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| The National Foundation for Credit Counseling |
| DebtAdvice.org is a service provided by the Members of the National Foundation for Credit Counseling (NFCC), most of them known as Consumer Credit ... |
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| FreeCreditReport.com | Free Credit Report and Credit Score Online ... |
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| The Credit Card Prank |
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| Credit magazine, corporate bonds, derivatives, structured credit ... |
| Credit magazine provides information on the international credit markets for credit investors, issuers and market professionals. |
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| CUNA: The Credit Union National Association |
| News and resource directory about credit unions. |
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| Credit/Debt Management - Tools and Advice for Managing Credit and Debt |
| Drowning in debt? Trying to improve your credit score? This is the place for you. Get real world information and tips, as well as the legal low down, ... |
| credit.about.com |
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