report Tag's Archives
Saks Debt Soars With Luxury Goods Spending Revival (Update1)
March 25 (Bloomberg) — Saks Inc. and Neiman Marcus Group Inc. ’s high-yield, high-risk debt is soaring as demand for luxury goods in the U.S. returns following the worst economic recession since the 1930s.
Read more on Bloomberg
Debt-Burdened Dubai May Need Years to Rebuild Creditors’ Trust
March 26 (Bloomberg) — Dubai may be seeing light at the end of the tunnel after markets welcomed its offer to repay around $25 billion in debt by 2018. The recovery still risks taking years as the sheikhdom rebuilds creditors’ trust.
Read more on Bloomberg
Greece to issue new 7-year govt bond
Greece appointed five banks to handle a new seven-year bond issue Monday _ the first after eurozone nations agreed on a plan to help the debt-ridden country should it find itself unable to pay off loans. The Public Debt Management Agency named Alpha Bank,… Bond – Greece – Emporiki Bank – Alpha Bank – United States
Read more on San Francisco Chronicle
Hungary Sells More Debt Than Planned as Costs Fall (Update2)
March 25 (Bloomberg) — Hungary raised more debt than planned today amid falling costs, underpinning the government’s aim to return to full market financing.
Read more on Bloomberg
Bunds Fall as Stocks Gain; Greek Bonds Drop on Debt Sale Report
March 29 (Bloomberg) — German bonds declined for a fourth day as European stocks resumed their ascent, lessening demand for the safety of government securities.
Read more on Bloomberg
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The importance of getting your free credit report cannot be overemphasized. In the current economic climate, with such a strong squeeze on credit, everybody’s credit rating is at risk, and even if you think you have a premium credit score, you might be in for an unpleasant shock. People are getting such shocks not only daily, but hourly throughout the USA.
However, before we discuss that, let’s have a look at what a credit report is and what information it gives you. It contains four parts basically: your personal details, your credit history, public records appertaining to your financial stability and finally, inquiries made by third parties as to your credit record. While you might not understand the need for this information, they are carefully examined by potential lenders.
To put it in general terms, your credit report is a record of your credit history and your financial stability. It contains financial details such as mortgages, loans, mail order agreements, credit cards, banking facilities and so on, and includes your repayment history, any late payments, missed payments, defaults and so on. It also includes any details of credit or loan applications you have made, and whether any have been turned down.
If your credit report is bad, you will either not be offered credit or will have to pay a higher interest rate than those with a good credit report. In some cases you will be refused credit. Hence the importance of knowing what your credit record is like. The same is true of your credit score that lenders use to assess your credit-worthiness.
The implications of a bad credit report include you being refused a credit card application, a loan, a mortgage, a car loan and any other form of credit. You could even be refused a mail order agreement or even a car hire. That is not the end of it, because the same could apply to your partner and your children if they reside at the same address as you. When your kids look for a mortgage of their own before being married, or seek a loan for their first car, they could be refused because of your poor credit record.
That is fine if the record is correct, because although it is bad for you, at least it will have been deserved. However, it has been estimated that up to 90% of credit records are inaccurate, and that a large proportion of people are being wrongly refused credit. Not an entire 90%, obviously, but a lot of people are being unfairly refused credit, and that could be you or your kids. You won’t know till you apply.
Why wait till then? Why not just get a credit report now, so that you know where you stand. It makes sense, and since it is free what are you waiting for? Did you know that anybody can see your credit report? In the USA, the Fair credit Reporting Act (FCRA) allows employers, creditors, landlords, insurers and any other business to have access to your credit report for purposes of credit, renting a home, employment or any other reason where your financial situation could be of interest.
These reports are available in the USA from three agencies: Experian, Equifax and TransUnion, and each has to provide you with a free copy of your credit report annually on request. Once you have a bad record on your report you have to wait 7 years to have it removed.
However, there are companies that help you to check up on your report and have any inaccurate data removed. You could easily have your next credit request refused due to inaccurate or false information. Identity theft or even mistaken identity is no longer uncommon. Nor is it uncommon for office staff to make typing errors and you to have something on your credit record that never occurred.
In today’s economic climate your credit is the one thing you must do all that you can to protect, so make sure you implement your right to a free credit report. There are companies that can get your free report from all three agencies, and then check it with you to make sure that nothing is untoward. With 90% containing inaccurate information, that might be highly likely. If so they can help you to get these false records removed.
It’s your credit, and it affects everybody living in your home. Get it checked out now with a free triple credit report. Also check up on your credit score at the same time.
Your good credit record is extremely valuable, so check out your USA Free Credit Report now and make sure that you have no false information that could stop you and your family getting credit in the future. UK readers Click here: Debt Advice for advice.
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Rule to clarify free credit reports
When you’re shopping for a free credit report — totally free — you can skip that singing pirate in the commercials. Free isn’t free with this guy unless you buy something else — but what would you expect from a pirate?
Read more on Detroit Free Press
Catchy Credit Commerical To Change
We’ve all seen the commercials; we’ve all heard the jingle – “free credit report dot com.” But now, those fun loving ads with come with a disclaimer. Below is the article from The Huffington Post (huffingtonpost.com): Among the merciful provisions of the landmark credit card reform signed into law last year is the requirement that purveyors of phony “free” credit reports put the following …
Read more on KPSP Local 2
Reader mailbag: the low-down on reward credit cards
Rules for when to own a reward credit card.
Read more on The Christian Science Monitor
Fight to make FICO Free
If you think your credit scores should be shared with you for free…you’re not alone.
Read more on KUTV Salt Lake City
UPDATE: Report critical of County Workforce Investment Board spending
Nearly $1 million meant to help adults and teenagers find jobs were misspent by the Tulare County Workforce Investment Board, according to a state report released today. In the report, California Inspector General Laura Chick said the WIB used the…
Read more on The Porterville Recorder
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Product Description
Under Federal law you are entitled to a free credit report once a year. This report, by law, will show any and all information contained in the files of the three major credit…
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How To Get a Free Credit Report: A Free Annual Credit Report from the 3 Major Reporting Companies
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Your Username and Password will enable you to view your credit report on some of these services for 30 days over the Internet in the most secure environment that they can provide. You will also have access to an array of benefits located in services like – My Credit Center.
Getting your free Credit Report and Credit Score is the first step in knowing your credit. Monitoring your credit report allows you to stay on top of your credit on a daily basis.
You should do this to take the guesswork out of what/\’s happening with your credit.
Your credit is one of your most important assets. Having good credit means you should have more options to borrow money at the lowest cost and from the best lenders. It also means that others who look at your credit such as landlords, insurance companies, or even prospective employers re less likely to turn you away or penalize you because you have poor credit.
Your personal credit report contains such information as your name, current and previous addresses, phone number, Social Security number, date of birth, and current and previous employers. Your spouse/\’s name may appear on your version of the credit report, but it will not appear on the version that is provided to others. This information comes from your credit applications, so its accuracy depends on your filling out the forms clearly, completely and consistently each time you apply for credit.
Creditreport.imess.net is worth a try. Many people say they have used it to monitor their credit and some have said that they also cleaned off some bad items from their credit report. You can apply for a free initial plan and get your scores and reports for free.
In all your thoughts about credit reporting do keep in mind there are 3 reporting agencies. If you keep track of when you pull each of the three then you can spread it out to one every 4 months. That would be ideal if you could do that.
Freecreditreport.com, Experian, Transunion, Equifax are all in it to make some money from providing these reports. So many people are asking where they can get a genuine free credit report without having to give up my credit card information and sign up for some monthly membership or a dumb “identity theft monitoring alert” service?
Unfortunately, in order to get your credit report a lot of the websites ask for your credit card information. They do that so when you sign up for a free trial if you don/\’t cancel within that time they can charge your account. Myfico.com is one of the best ones out there. I understand that users have reported that they signed up for there free 30 day trial and also cancelled it before the 30 days was up and indeed didn/\’t get charged anything.
What is a free credit report?
The answer lies in the last three words of your question and is self-explanatory. A free credit report is when a credit bureau provides an individual a copy of their credit report without a charge.
It/\’s exactly what it says it is. A free credit report.. in other words, you don/\’t have to pay for it.
Am I entitled for a free credit report?
I am not sure whether this is correct, but I have been told that residents of Colorado, Massachusetts, Maryland, New Jersey, and Vermont are entitled under state law to one free report per year from a credit reporting agency. If you are a resident of Georgia, you are even entitled to more reports at two each year.
This is very useful especially if you have been denied credit on the basis of information in a credit report.
Who is eligible?
I am not a legal expert but I did find a statement on the web that said that based on the Fair Credit Reporting Act, sections 612 (b), (c), and (d), you are entitled to one free credit report per year directly from a credit reporting agency only if you certify that you are unemployed and seeking employment in the next 60 days, you are receiving public assistance, or you believe there are inaccuracies in your report due to fraud or have been denied credit because of information on your credit report. To get your free credit report, go directly to a credit reporting bureau and have proof of the criteria that entitles you to receive your free credit report.
Find out the true Free Credit Report Secrets and know more than 95% of the public about what the lenders know about you! Or, for something completely different visit our Dog Breeds web site.
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How do you really get a “free” credit report?
Federal Trade Commission warns that some “free” credit report offers actually cost money. It says the new Credit CARD Act requires more disclosure to make sure consumers understand what they’re getting.
Read more on WSAV Savannah
Federal agency targets ‘free’ credit report ads
The Federal Trade Commission is cracking down on misleading ads offering free credit reports that trick people into paying for credit monitoring or other services they don’t want.
Read more on Pittsburgh Post-Gazette
FTC Makes “Free” Credit Report Sites More Transparent
The Federal Trade Commission (FTC) said today starting April 1, advertising for “free credit reports” online will require new disclosures to help consumers avoid confusing “free” offers which often require them to spend money on credit monitoring or other products and services. The FTC’s Free Credit Reports Rule will require new prominent disclosures in ads for “free credit reports.” Any website …
Read more on WebProNews
FTC issues new rules for those that offer free credit reports
The Federal Trade Commission on Tuesday announced new rules to help consumers avoid being misled by companies that shout “FREE CREDIT REPORT” but whisper “actually, this will cost you….
Read more on MalaysiaNews.net
Law requires new disclosure on free credit report ads
The down-on-their-luck group of men featured on commercials for FreeCreditReport.com will now be accompanied by a message explaining that a free credit report service is offered by the federal government.
Read more on Daily Illini
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