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The Easy Way To Gain Access To Your Free Online Credit Report
When you apply for credit, those lending you the money want to know if you are going to pay them back. One way they decide if you are a good risk is to see how you've dealt with other people's money. They find this information in your credit report. Your credit is reported to three main credit bureaus and these bureaus then rate you. If you are planning to apply for credit, it would seem that knowing what is being said about you would be a good idea. This way, you can take care of any problems and be aware of them before you begin. It's Easy Getting your hands on your credit report is easy. All you need to do is call the number of the credit bureau and follow their directions: Equifax Options P.O. Box 740123 Atlanta, GA 30374-0123 http://www.equifax.com Experian Consumer Opt Out P.O. Box 919 Allen, TX 75013 http://www.experian.com Trans Union Name Removal Option P.O. Box 97328 Jackson, MS 39288-7328 http://www.transunion.com However, it is even easier to do online. Simply go to the listed website and get started. Here are a few things you will need: # Full name ? this includes middle, maiden, Jr., Sr., and III, etc # Social Security number ? you must have one in order to do this online # Driver's license information ? your DL number plus state # Current address and your address within the last five years ? if you have had more than one in the last five years, you will need to have each of them # Date of birth # Signature ? for online requests, you will have to type your name and follow their instructions # Home telephone number # Employer ? if you are employed # Credit Card or Debit Card to pay the fee ? it is usually $8 to $10 Coming Free to Your Area Soon Beginning in December 2004, you will be able to get a free yearly copy of your credit report. Then getting your credit report will be even easier. Instead of having to go to the three major bureaus, you will be able to go to a centralized source with a toll free number or a website. Schedule for Phasing In Access to Free Credit Reports: December 1, 2004: Alaska, Arizona, California, Colorado, Hawaii, Idaho, Montana, Nevada, New Mexico, Oregon, Utah, Washington, and Wyoming. March 1, 2005: Illinois, Indiana, Iowa, Kansas, Michigan, Minnesota, Missouri, Nebraska, North Dakota, Ohio, South Dakota, and Wisconsin. June 1, 2005: Alabama, Arkansas, Florida, Georgia, Kentucky, Louisiana, Mississippi, Oklahoma, South Carolina, Tennessee, and Texas. September 1, 2005: Connecticut, Delaware, District of Columbia, Maine, Maryland, Massachusetts, New Hampshire, New Jersey, New York, North Carolina, Pennsylvania, Rhode Island, Vermont, Virginia, and West Virginia, Puerto Rico, and all U.S. territories. Getting your credit report online is easy and getting easier all the time. It is in your best interest to check out your credit reports yearly so that you can check for errors, and recognize problems quickly enough to correct them. Wesley Atkins is the owner of http://www.credit-cards-advisor.com- which aims to get you fitted with the best credit cards to suit your situation. With numerous credit card articles and easy online credit card applications you will never choose the wrong credit card again.
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Two Things You Need To Know About Prepaid Debit Cards According to the September 2004 issue of the Nilson Report, around $588 billion dollars worth of debit cards were bought in the United States in 2003. By 2008 that volume is expected to grow to $1.231 trillion putting a significant dent in the nation's use of pure credit cards as consumers continue to favor the use of prepaid debit cards. If you are among the nation's millions who are currently using prepaid debit cards or are among those considering their use, you need to know two things that may detract and enhance your use of the prepaid debit card. Errors on Your Credit Report: What You Should Do There are times when you may be turned down for credit and you do not understand why. According to the Fair Credit Reporting Act you are entitled to a free copy of your credit report if you have been denied credit because of negative items on your credit report within 60 days of the request for credit, if you are unemployed but looking for work, are on welfare, or believe that your credit report is incorrect because of fraud. You may also receive a copy of your credit report for a small fee at any time in which you want to review the information contain therein. What is a Bad Credit History? A bad credit history can sometimes seem like a curse... whenever you apply for financing or for a loan, it always seems to pop up and cause you problems. Credit Scores and Loan Applications Keep Your Credit History Clean - Remove A Negative Credit Record From Your Credit Report Four Tips How Homeowners Can Rebuild Their Life After a Foreclosure Let's face it, if you are facing the possibilities of losing your home due to a foreclosure and you think that you may never be able to purchase another home anytime soon. Keep reading. Repairing Your Credit Score and Clearing Derogatory Marks on Your Credit Report Raising your credit score can be a fairly simple and straightforward process unless you have derogatory marks that need to be disputed (which will be explained below). Lower Your Credit Card Interest Rate Now! With today's credit card companies, there are many opportunities to get your cards rate of 21% or more reduced. The higher the amount of interest your card charges will cost you more for a simple purchase and ultimately may take you years to pay off instead of months, should you make the minimum payment allowed. 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