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Some need bank cards and some don’t… most says require your credit bureaus offer one free credit report annually.
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It is important to be aware about your credit score before looking to apply for mortgage or availing the facility of credit card. It is really a good idea to verify credit rating from different credit bureaus at different period of time in order to secure the identity, which can be very beneficial in preventing identity theft. Identity theft is possible when unknown person pulls out the credit report of individual for different reasons such as taking mortgage or availing credit card services which can ruin the credit rating of the victim if the accused person makes irregular payments on mortgage or credit card existing debts.
Credit report provides all the details to the people regarding their credit status in the market after taking into consideration all the transactions.These transactions are related to the credit taken by the borrowers for their personal as well as commercial purposes.
The credit reports are usually provided by credit bureaus to all the financial institutions, banks, mortgage lenders of different lending institutions, credit card companies, who deal with people on the basis of their creditworthiness.
The report can be accessed by the individual if he is not working from last 60 days or looking to join somewhere professionally in next 30-45 days. The person need to apply for free credit report if his credit rating is very poor or marginal.
The people are provided with mortgage, credit cards and many other facilities on their basis of their credit report in the market.Availing the service of free credit report results in continuous credit inspection of the people,which results in avoiding bad credit report in the market.
Credit status can be accessed from any of the main credit bureaus available in the market, which are Experian, Equifax and TransUnion after every financial year. This can ensure the individual that there correct credit report has been provided to different banks, financial institutions and prominent mortgage lenders in exact relation to their financial strength.
The report also protects the people from theft of their identity in the city, avoiding any sort of mis happening.
There are many credit check programs,which are arranged for the people in the country to get provided with free credit report. All the major credit reporting organizations mainly credit bureaus launch their website along with their toll free number and mailing address of credit bureaus.Consumer need to request the report from three different credit bureaus at the same time or some different scenarios according to the requirement.
The free credit report is provided to the consumers at that point of time if they apply for their credit scores instantly at their respective websites of specific credit bureau. Applicants have to be cautious regarding their typing mistakes, which can lead to expenses. It is because of providing the information in the wrong website related to free credit report status,that individuals get charged for credit report which is actually free.
There are many people who can apply for free credit report over the toll free number or mailing them at the provided address, it takes at least 15 days of time, which is provided on the basis of time period required by the credit bureaus to extract the credit detail of each applicant.
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In an article written by Cathy Moran, a California Bankruptcy Lawyer, the term “extortion” is again used. In her article, “Doesn’t this seem like extortion,” she talks about the June 2006 AARP magazine and the touting in that magazine about an AARP sponsored law enacted in Arizona that prevents theft of one’s identity for a fee. Arizonans will now be able to bar credit reporting agencies from releasing their personal financial information to banks and businesses for a fee of $ 5.00 per credit reporting agency. This sounds like the credit agencies are saying “We have personal financial information about you that might harm you. However, if you pay us, we won’t release it to anyone.” Cathy Moran, a lawyer, states that this seems like extortion to her. Cathy exclaims:”Why should that information be available in the first place and why does one have to pay to prevent misuse of the information? What am I missing here?”
Brian Nelson, writer for the Finance Gourmet, in his article, “Credit Monitoring Scam” exclaims:
“One of the biggest financial scams in America comes courtesy of the credit reporting industry and the three major credit reporting bureaus. In class Mafia-style extortion, a tough looking guy visits a local business. He says that bad things might happen to his business. In order to be safe, he should pay for “protection”. Of course, the only protection the business needs is from the crooks offering the protection. Credit reports and credit report monitoring work the same way.”
In his article, Brain goes on to say “The credit bureau’s extortion scheme works exactly the same way. You see, bad things might happen to your credit report. Someone might put false, damaging information on your file. The “smart” thing to do is to check your credit report often. To do that, you have to pay your protection money a credit monitoring service so that you can be informed when negative information goes on your credit report. Of course, the only thing you need “protection” from is the credit bureaus and their lackadaisical efforts to ensure that only accurate information is on your credit report. Not surprisingly, Transunion, Experian, and Equifax all gladly offer high-priced credit monitoring protection.”
There are big questions in the credit reporting industry. Example: If a porn service bills people who never used their services. Is that attempted fraud? If the porn service then turns over the charge to be collected to a collection agency, is the collection agency then an accomplice to attempted fraud? If the porn company phones the people, that supposedly owe for services, and threatens to put the charges on their credit report if they don’t pay, is that extortion? If the credit reporting agency adds this unfavorable item to the people’s credit report and they are denied a home or auto purchase due to this item, is this then extortion. Is it legal for the credit bureau to enable crooks to extort money from consumers? The idea for this example came from rip-off reports currently on the Internet.
Do you know who controls credit? Why is credit more important than money? How can a person win in today’s society if they are living in poverty? Is it fair for your credit history to be used as a measure of character and suitability for employment? What’s the real reason behind retailers’ and grocery stores’ loyalty cards? The answers to these and so many other intriguing questions are revealed by Corey P. Smith
BREAKING THE LAW: 3 Ways Banks, Credit Bureaus and Collectors Violate Federeal Laws…
If you have recently checked your credit reports and have found negative items you can file a dispute with the credit bureaus and have them investigate these marks. It is incredibly important to ensure that you have a clean credit record as many lending institutions have instituted new approval requirements as a result of the financial crisis.
There are a number of reasons why you can file a dispute with the credit bureaus and have them remove an item from your credit report, reasons include: the debt is not mine, the dates on the account are incorrect, the balance due is wrong, the account is paid… A common tactic collection agencies use to manipulate individuals into paying a debt is by reporting a the debt on their credit history for longer than the legally allowed seven years.
The Steps Required To File A Dispute
You are going to need to write a credit dispute letter and mail one to each bureau. In this letter you need to include your name, your personal information, the item you are disputing, supporting evidence, and it would also be a good idea to include a reference to the Fair Credit Reporting Act. The Fair Credit Reporting Act is a piece of federal law that requires the credit bureaus to investigate any item on your credit report that you file a dispute on.
What Items Should You Dispute?
The Fair Credit Reporting Act says that every citizen is entitled to dispute any item they believe is inaccurate. As we mentioned earlier there are all types of reasons that an item on your credit report can be wrong.
While it may not be morally correct it would be in your credit scores best interest for you to dispute every negative item on your credit report. You should know that you will never be liable for any legal proceedings for disputing an item that you know is correct. In other words you have nothing to lose if you dispute every item on your credit reports.
What Happens After I File My Dispute
Typically the credit bureaus are going to respond by requesting more information however this is nothing more than a stall tactic on their behalf. The credit bureaus have discovered that it is in their financial interest to avoid consumer credit disputes because there is no profit to be had by correcting information they collected about a consumer.
The reality is the only reason the credit bureaus do investigate consumer disputes is because of the Fair Credit Reporting Act. Even with this piece of federal law the credit bureaus have still been fined multiple times by the FTC for violating federal regulation.
You can dispute items on your credit report yourself or if you have trouble we would encourage you to consider hiring a professional credit repair attorney to assist you. The credit bureaus are required to investigate every consumer dispute according to federal law, you don’t just have to live with bad credit.
Once the credit bureaus get your dispute letter and deem it valid they are going to conduct an investigation. They will contact the debt collector or creditor that has created the negative entry on your credit report and ask them to verify that the account is yours and all the related information such as the balance due.
If the credit bureaus are unable to verify this information then they are required to remove the bad credit items from your credit report. It is estimated by experts that up to 80% of all bureau of investigations result in the removal of an item.
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