Owner: No debt anymore.org URL:http://nodebtanymore.org/ Join Date: Mon, 22 Oct 2007 23:00:43 -0500 Rating:0 Site Description: Advice on getting rid of credit card debt, credit repair, credit reports and debt solutions Site statistics:Click here
Debt Consolidation Quotes : Look For The Best Before Taking The Plunge 2007-10-26 15:34:27 A research on consolidation quotes is extremely necessary before you begin with your debt consolidation program.Free Content for Blogs With credit card debt reaching an all time high, loans consolidation has become an industry in itself. You will find that you have thousands of options available for you if you really do want to begin with a suitable credit card debt consolidation scheme. Most firms will offer you a free program.
They will offer you counseling and guide you through the entire process of rediscovering your financial well-being with loans consolidation that will help you to be prepared to consolidate all your debt into one single loan. However, you must find the best program that will suit your needs. Being wary of firms that are not qualified, enough to guide you through the process is extremely important otherwise in your bid to consolidate your credit card debt you could end up worsening your financial condition.
What Are Debt consolidation Quotes
As you have read, d Read more:Consolidation
, Taking
, Debt Consolidation
Finding The Best Poor Credit Loan For You 2007-10-24 08:53:52 Why is credit everything when it comes to loans Well, because banks want to know how risky it is to lend to you. However, just because the credit history bureau had given you a black mark on your credit history does not mean that you will never be able to get another loan for the next several years. Although you may have difficulties in getting a loan from most banks and financial institutions that are offering regular loans, there are also a number of companies out there that are willing to extend many loans to people with bad credit history.
What are poor credit loans
There are two types of bad credit loans that are being offered in the market today namely the secured loan and the unsecured loan. For people with poor credit history, the secured loan is the easiest to get. To get a secured loan, you will need to present a piece of property as collateral. For instance, if you want to get a loan to finance you business, you may use your home as collateral. The loans officer will evalua
Latest News in Credit Card Debt - Oct 22, 2007 2007-10-23 01:35:37 Latest News in Credit Card
Debt - Oct 22, 2007
Crunch time for sales: Does the end of the debt bubble mean a sharp …The Independent - Over the past 18 months, levels of unsecured personal loans and credit-card debt have slowly started to moderate – and while personal insolvencies have increased, they still remain at relatively low levels historically. Meanwhile, the wider economy …Publ.Date : Mon, 22 Oct 2007 23:26:00 GMTDungeons of DebtAmerican Reporter - BRADENTON, Fla. — ExxonMobil is one of those companies that don’t like to be contacted by telephone. They list no phones on their Websites for consumer credit-card holders, and their individual “On The Run” stores aren’t always listed in the local …Publ.Date : Tue, 23 Oct 2007 03:08:00 GMTWeb users put bottom lines onlineNews.com.au - The house, together with a car worth $40,000 and retirement savings of just over $173,000, minus the mortgage and credit card debt of just over $7 Read more:Credit Card Debt
Credit Card Debt Consolidation Help : Dont Let Weakness Master Over You 2007-10-19 23:57:14 Credit card debt consolidation help before delving into the topic, let us first know about credit cards and their benefits. Its a fact that in this material world, everyone wishes to look slim and smart, even on our pockets. Thanks to this era of these cards, we not only have slimmed down our bulging pockets but have also become powerful enough to boast about the huge values they hold.
Dont you feel proud to hold these cards in your hand that enable you to shop beyond the capacity you ever imagined? Now there is no need to worry about cash as these smart plastic cards are with you all the time. Their sleek presence gives you immense confidence to barge into any glitzy showroom and shop for the best.
Revolution That Gave Birth To Our Weakness
No doubt, credit cards are a revolutionary aid for those who need to carry large amounts everywhere, at any point of time. The cash problem has almost vanished. But, many other problems have come up too. The huge capacity to shop leads us to over Read more:Consolidation
, Debt Consolidation
, Credit Card
, Credit Card Debt
, Master
Bad Credit Guaranteed Payday Loan : Very Few Eligibility Requirements 2007-10-19 23:55:53 Bad credit guaranteed payday loan does not refer to a cash advance loan that lenders approve without reviewing information about you. You have to fulfill certain requirements to be eligible for this no teletrack payday loan. Lenders will be able to validate the information only when you apply for it. However, possibilities are more that your application will be approved quickly because there are not many formalities with no telecheck payday loan. That is why this loan is also referred as instant approval payday loan.
Proof Of Employment Is The Primary Requisite
So, what do you need to get approval for a bad credit cash loan? The primary requirement is that you have to submit a proof of employment. For this purpose, you can provide paycheck stub along with employer index number or tax number. Without the proof of employment, you cannot get a payday loan from any lender in the country.
You Should Have A Valid Checking Account For Smooth Transfer Of Money
Second requirement to qualify f Read more:Payday
, Requirements
, Bad Credit
Credit And Employment 2007-10-19 23:53:55 It is not unusual for individuals to find ways around building up debt. Transportation media and walking easily replaced by having a car, house can be rented, and even health insurance can be set on the back burner, although that is not advisable and ideal, it can still be done. Everyday, numbers of people find avenue to use cash instead of plastic.
However, all of these can not be done and a person can not function without important thing- job.
This time, credit and employment well be discussed to showcase facts that are essential for everyone.
It is significant to understand that the law prohibits an employer from scratching employment to somebody based on bankruptcy status analysis. But, the law does not prohibit an employer from denying an application, or even rescinding an offer, based on other credit status issues. Examples of these issues could be foreclosures, inquiries, or collection actions. More and more employment firms are utilizing credit reports as a strategy of hirin
Business Credit Cards Help Businesses Manage Finances 2007-10-19 23:52:58 Business owners are faced with more than just the direct challenges that are a result of operating their businesses. Not only do business owners have to perform the duties of their specific business; but they also have the responsibility of managing any staff, and keeping track of finances.
Business finances can be a nightmare! Most business owners are very pressed for time, trying to get everything accomplished- and it could be their record keeping suffers as a result of the lack of time. Business credit cards can help you resolve this situation, and actually save you time and money. You might be wondering how a credit card could save you money, considering they have interest fees and finance charges and all sorts of "hidden" expenses; but with the right business credit card, your financial record keeping will not only become easier to manage, but will in fact reduce the time it takes you to pay your business expenses and saving that time will result in your ability to Read more:Business
, Cards
, Manage
How Repossession Affects Your Credit Rating 2007-10-19 23:51:13 Your credit rating is the most important part of your financial stability. You rely on credit for every part of your life - cars, credit cards, furniture, student loans, college tuition, and most importantly, the purchase of your home. Any negative credit issues can make a difference in whether you are extended any more credit, and in todays market, that can even affect the cost of your automobile insurance or obtaining the job of your dreams.
Of course, negative credit ratings are the least of your worries if you happen to be one of the many people who have run into credit problems and faced repossession.
Repossession, whether its your home, car, or other type of collateral, can seriously affect your credit rating and score. In reality, its a process that begins as soon as you miss the first payment since the credit grantor will report your payment history to one or more of the major credit reporting agencies. Each time you miss a payment, you will be reported again until the time t Read more:Rating
Top 7 Habits of People With Great Credit Scores 2007-10-19 23:49:36 People with great credit scores have earned them for a reason - they have always borrowed money, and paid it back on time. There’s really no trick to what they’ve done, and there is no one action that will help you get a great credit score. When someone asks me how to earn a good credit score, I tell them to look at the spending habits of those with great scores, and to develop the same habits. Here are the 7 habits of people with great credit scores.
1) Never Pay Cash
People with great credit scores want every purchase to count. And a purchase doesn’t count unless the 3 bureaus know about it! The only way to make sure that the bureaus know how much money you’re spending is to put everything on your card(s.) Rather than deposit your paycheck and spend, think of your spending as a monetary cycle: Put your paycheck in the bank, spend with your credit cards, and pay off the cards with the funds you’ve already deposited. It’s one extra step that pays off Read more:Great
5 Considerations When Choosing a Business Credit Card 2007-10-19 23:48:20 Choosing a business credit card is similar to choosing a personal card. There are a lot of choices and many points to compare among each card offer. Here are five key points to consider when comparing and choosing the right credit card for your business:
Interest Rates - Interest rates vary with business cards just as they do with personal credit cards. When comparing interest rates, make sure to consider not only introductory interest rates but also the ongoing interest rate after any introductory period. Many cards will offer a 0% APR introductory rate on purchases or balance transfers. These introductory rates often last up to 12 months or more. However, once the introductory period is over, the ongoing rates often increase greatly and you should be aware of this.
Perks and Benefits - Many business credit card companies offer perks similar to those offered to personal card holders. If a small business owner travels frequently on business, then a benefit of frequent flyer miles or Read more:Business
, Considerations
Book Review: How to raise your credit score by 200 points or more 2007-11-01 03:58:58 This ebook was reviewed by Michael Kwan on JohnChow.com.
The Ultimate Credit Ebook will show you how to increase your credit
score by as much as 200 points or more using time-tested 100% legitimate techniques that you can do yourself.
It has plenty of basic information for improving your credit score.
Good credit, bad credit or no credit: either way, this ebook contains powerful industry secrets that will make you look at credit in a whole different light.
For example, it tells you:
how to get your free credit report to check for errors
how to read your credit report
understanding what the different codes mean
how your FICO credit score breaks down
what makes up your foundation score
To read the review, click here.
Read more:raise
Finding The Best Poor Credit Loan For You 2007-10-31 15:36:44 Why is credit everything when it comes to loans Well, because banks want to know how risky it is to lend to you. However, just because the credit history bureau had given you a black mark on your credit history does not mean that you will never be able to get another loan for the next several years. Although you may have difficulties in getting a loan from most banks and financial institutions that are offering regular loans, there are also a number of companies out there that are willing to extend many loans to people with bad credit history.
What are poor credit loans
There are two types of bad credit loans that are being offered in the market today namely the secured loan and the unsecured loan. For people with poor credit history, the secured loan is the easiest to get. To get a secured loan, you will need to present a piece of property as collateral. For instance, if you want to get a loan to finance you business, you may use your home as collateral. The loans officer will evalu
Are You A Debt Consolidation Candidate? 2007-10-30 15:35:51 Debt consolidation is one of the best answers for those of us who have too many debts to pay. Consolidation
is often the first step that should be considered by someone looking to deal with their debt problem, as it is seen as making the overall debt easier to manage.
Debt consolidation means taking out one loan to pay off others. Restructuring your existing debt with your those you owe money to, it gives you a solution for lowering interest rates on bills, reducing monthly payments or even just to simplify your finances. Debt consolidation is NOT a loan, and it does not require you to take out a second mortgage on your house.
If you are finding it hard to keep up with your monthly payments and are losing track of your monthly outgoings, or if you find that at the end of each month your monthly income no longer covers all your expenses, then you may want to consider consolidating your debt.
Through debt consolidation, you can combine all your loans and other debts into one single p Read more:Candidate
, Debt Consolidation
Self-Help: Get Out of Debt 2007-10-29 15:34:30 In this day and age, it only takes a few financial missteps and many consumers can find themselves in trouble. The one factor that exacerbates this is debt, or, to be more precise, overwhelming debt.
For some consumers, getting out of debt simply means tightening the household budget and being more stringent on new purchases. For others, the challenge of getting out of debt can be more daunting. In either case, the best self-help plan for relieving debt is planning and discipline.
The first step to relieving debt is to find out where you are. Make an income list and an expense list. On the income statement, list all of your income. On the expense statement, list all of your current bills. Once this is complete, subtract the expenses from the income and you will have your disposable income. For some consumers, this may be a negative number, which means you are paying out more than you are bringing in.
In order to maintain a clean credit report and keep a high credit score it is imper
Obtaining Credit Card After Bankruptcy Comes With Higher Cost !! 2007-11-05 15:37:50 Despite the stigma and possible embarrassment of filing for bankruptcy, many people have mitigating circumstances that make it their only option to avoid repeated court proceedings against them.
Additionally, there are some financial companies that have no trouble offering to issue a person a credit card , usually with a higher interest rate and annual fees attached.
One the reasons companies will offer a credit card is the fact that a person cannot file for bankruptcy for at least seven years after the initial action has been discharged.
Knowing this, these credit card companies have a legal recourse in collecting on any unpaid debt resulting from the cards use. While most debt charged on a credit card is considered unsecured, if the cardholder cannot file bankruptcy, the company can use wage attachment to gain repayment.
There are numerous dangers is obtaining a credit card , beyond the usually higher interest rate, as charges for being late with a payment as well as annual fees c Read more:Higher
Latest News in Credit Card Debt - Nov 2, 2007 2007-11-02 03:13:14 Your questions: Struggling with debt?BBC News - With record levels of mortgage and credit card debt many people are struggling to stay in the black. On Friday 2 November, BBC News 24 will be putting your questions to a personal finance expert (1530 GMT). Are you struggling with your finances? Need …Publ.Date : Fri, 02 Nov 2007 00:40:00 GMTPrisoners of DebtBusinessWeek - In September, 2003, when Rathavongsa tried to close on a $274,650 mortgage for a new house, his would-be lender, Wachovia ( WB ), said he would either have to pay Capital One or show proof from the credit-card company that the debt had been discharged …Publ.Date : Thu, 01 Nov 2007 22:10:00 GMTHouse Republicans reject borrowing to help balance budgetAZCentral.com - House Republicans are rejecting half of Democratic Gov. Janet Napolitano’s budget-balancing plan, saying the state shouldn’t put debt on a credit card when it could instead withdraw money from its savings account. Leaders of the House Read more:Credit Card
, Credit Card Debt
Latest News in Credit Card Debt - Nov 9, 2007 2007-11-09 14:32:04 Wachovia, Capital One, E*Trade warn on credit
Washington Post - NEW YORK (Reuters) - The credit crisis deepened on Friday as Wachovia Corp (WB.N) reported a potential $1.7 billion loss on mortgage-related debt, while credit card company Capital One Financial Corp (COF.N) said more customers are missing payments …
Visa hopes to raise $10B in IPO
Miami Herald - As Wall Street struggles, MasterCard and Visa have secured the enviable role of processing the world’s credit card payments but taking on none of the debt. The risk is instead held by the 25,000 banks in more than 200 countries that issue the cards. …
Visa’s takes step toward initial public offering; hopes to raise $10 …
MSN UK News - As Wall Street struggles, MasterCard and Visa have secured the enviable role of processing the world’s credit card payments but taking on none of the debt. The risk is instead held by the 25,000 banks in more than 200 countries that issue the cards …
Capi Read more:Credit Card
, Credit Card Debt
New Study Reveals Rise In Financial Confidence 2007-11-08 02:09:39 Britons’ faith in their financial situation is improving, new figures reveal.
In a study released by GfK NOP earlier today, the Consumer Confidence
Index score increased by two points over the course of August to now stand at -4. Research from the financial services firm revealed that the climate among members of the public to make major purchases returned to a positive score over the duration of this month. Increasing by six points, the score now stands at +4 and was reported to have driven the general rise in Britons’ consumer confidence - however, this is still three points down from the same time last year.
Meanwhile, the savings index, which judges people’s propensity to set money aside for a rainy day, was said to be at a record level. Currently standing at +42, it is the highest level noted since the late 1980s and is some 12 points above figures noted in August 2006.
Over the month, the index measuring changes in consumers’ views on their personal financ Read more:Study
, Financial
, New Study
Do-It-Yourself Debt Consolidation: Does It Ever Work? 2007-11-07 02:08:55 You have a lot of debt piling up and, uninvited, you get a letter from a credit card company suggesting that you write one of their handy checks and pay off your high-interest debts and put them on a brand new credit card. The kicker to the offer is that this new credit card is going to charge you no interest.
Should you do this?
In a way, this is a mini-version of what debt consolidation is all about. Debt consolidation is a way of dealing with overwhelming debt by gathering it together (consolidating it) into one large debt. The idea is that you can likely get better terms (less interest) on one large debt than on several smaller debts. Besides that, one payment a month keeps life simpler than having to make a dozen or more smaller payments (and there is less risk of missing a payment and getting a black mark on your credit report).
Still, caution is warranted. The first thing you need to do is review the actual offer extended by the credit card company. While zero interest is no dou Read more:Yourself
, Consolidation
Bankruptcy Alternatives 2007-11-06 02:08:31 BEFORE YOU DECIDE TO FILE, THINK ABOUT THE ALTERNATIVES TO BANKRUPTCY
Bankruptcy should be the last resort to getting out of debt. It will stay on your credit report for up to 10 years, guaranteeing that you will receive higher than normal interest rates on future financing close to the bankruptcy filing. Some debts will remain anyway such as recent IRS debt, student loan debt and debt incurred through fraud just to name a few. Bankruptcy may be better for someone who has little income, extremely high liabilities and no realistic way of paying those liabilities back within a reasonable time period.
HAVE YOU CONSIDERED?
There are steps to consider prior to filing that are alternatives to filing bankruptcy.
1) Negotiate with your creditors. It may be possible to work out deals with some of your creditors. Explain you current financial situation, your inability to realistically pay the entire debt and your willingness to pay a percentage of the debt over time. I have found that most Read more:Alternatives
Guess What Leads To Filing Bankruptcy? 2007-11-15 02:14:45 Can You Guess
The Main Causes Of Bankruptcy Filing
s? There are several common causes leading one to file bankruptcy. These include, but are not limited to the following:
1. Lawsuits/Garnishments
Nobody wants to be sued and brought to judgment. Nobody wants to have 10%-15% of their hard earned wages deducted from their pay. In many cases, the taking of 10%-15% of one’s wages leads to the inability of that person to pay his rent, utilities or auto payment. Just the thought of the employer potentially having to garnish wages leads many to panic. Debtors do not want their employers or co-workers knowing of their financial troubles.
2. Auto Repossessions
Auto lenders will do whatever it takes to get you financed, regardless of whether you are actually capable of affording the car. They realize that if you can’t pay the installment, they can take back their vehicle and re-sell it before it fully depreciates. They do this through the use of auto auctions where the vehicl Read more:Leads
Strategy for Getting Out of Debt and Staying There 2007-11-14 02:13:45
This article will present some good ideas on strategies for eliminating debt and how to stay debt free.
The strategies I will be presenting in the article are all well know but many of us just fail to implement them or don’t remember them.
Just remember that it’s not totally your fault if you are drowning in debt, some of the blame can be contributed to big business rhetoric and government promotion of over spending to keep the economy moving along.
Big business, like credit card companies, offers incentives that are way to enticing to turn down plus they do a good job catering to our emotions. But you can bet in the end you will be fully responsible when you cannot payback your loans.
Not all debt is bad; in fact it is pretty normal to have a mortgage and one car payment. This debt reduction strategy really focuses on managing your spending habits on nonessential items and eliminating high interest loans.
Listed below are steps one should take in order to achieve debt fre Read more:Strategy
Credit Repayment Times Are Extending 2007-11-13 02:12:48 While overall borrowing in the UK may be on the up, people are succeeding in better managing their loans and other finances, one commentator has suggested.
Loans firm Picture Financial has suggested that credit levels are on the increase but states that as consumers borrow more they are getting savvier about which loans or other products they choose. Julia Dallimore, marketing director at the company, remarks: “Our UK credit levels may seem high but with the vast majority of this taken up by mortgages and other secured lending we are increasingly spreading our credit repayments over longer periods to better manage our monthly finances.”
The firm was reacting to research released today by business advisory company Grant Thornton which has contended that consumer borrowing has outstripped the national gross domestic product for the first time. It was announced that British consumers currently hold debts consisting of loans, mortgages and borrowing on credit cards amounting to Read more:Times
How Much to Save for Retirement 2007-11-12 13:55:52 Press release by Harris Interactive, the 13th largest and one of the fastest-growing market research firms in the world. Let’s Agree to Agree: Men and Women Share Views on How Much to Save for Retirement, According to New WSJ.com/Harris Interactive Study.
Just 11% of Pre-Retirees Are Most Counting on an Employer-based Pension
ROCHESTER, N.Y. – October 30, 2007 – Retirement savings can be a source of contention between couples as they approach their golden years, but according to a new study conducted by Harris Interactive for The Wall Street Journal Online, men and women respond similarly when asked whether they and their partners are on the same page about saving for retirement. About half (49% of men and 47% of women, respectively) say they are in agreement with their spouse or partner about this issue.
Higher income couples are the most likely to be in agreement about retirement savings, while low-to-medium income couples are more likely to avoid the elephant in the room. Co
Why do Rich get Richer while Poor Get Poorer? 2007-11-12 02:10:53
Singapore just celebrated its 42nd birthday. One concern raised by Singapore’s Prime Minister is the widening income gap between the Rich and the Poor.
If you look around, you may realize that there is a trend that the Rich Get Richer while the Poor Get Poorer. Why?
Actually Singapore is currently having one of its best golden years in history, with opportunities abound, it is possible for someone who is not Rich to BECOME Rich.
Can someone who is NOT rich become Rich? Yes, it is possible. One of the SECRETS why the Rich get Richer is that the Rich UNDERSTAND and USE Other People’s Money (Financial Leverage).
How can you use Other People’s Money (OPM) to become Rich? One possible way is to use good debt wisely.
The Good Debt that almost everyone has access to is a Housing Loan.
P.S. please avoid all bad debt. My definition of bad debt is any debt that you incur which you do not have a chance of making more money than the interest you pay is bad debt.
What is my defin
Personal Loan Suppliers Should Follow ‘Responsibility Rules’ 2007-11-19 02:16:01 All loan providers should follow the banking sector’s code for responsible lending, an industry expert has suggested.
According to Angela Knight, chief executive of the British Bankers’ Association (BBA), credit suppliers who exist outside of the industry should be made to follow the Banking Code. Consequently, Ms Knight purported that consumers could receive greater protection as lenders will only issue money to those who meet certain repayment criteria. She added that otherwise borrowers could soon become “overstretched” and develop “serious” difficulties in making payments on personal loans.
In a letter to Mark Hoban, the shadow treasury minister, the BBA chief executive claimed that: “When a gap opens between what a borrower wants and what a bank wants to lend, too often an irresponsible lender steps in. Only around 63 per cent of unsecured borrowing now comes from the banks. There are certainly responsible lenders among the rest, but how i Read more:Personal
, Suppliers
, Responsibility
, Rules
Latest News in Credit Card Debt - Nov 16, 2007 2007-11-16 08:34:13 Putting a debt over our heads
The Australian - Debt is a way of life now,” he adds, explaining that credit card debt had also grown, but not quite as rapidly as mortgage debt. Personal debt overall has increased radically in the past decade, he says. The Housing Industry Association estimates …
Opinion — Feedback
BusinessWeek - But Van Rathavongsa [whose credit-card debt was legally discharged] had no business applying for a mortgage. A year earlier he proved he couldn’t pay his bills. Brian Olson HIGHLANDS RANCH, COLO. Stop all excessive consumption. Say no to the credit …
Credit crunch/subprime crisis: what it means for you
This is Money - Fears are mounting that bad credit card debt could worsen and prolong the subprime crisis. ? Special report: Subprime panic grips the High Street (12 Nov) The Northern Rock debacle has wiped �85bn off the value of British banks since the start of …
Budgeting for a Baby and Managing Debt
Washington Post - Q: Read more:Credit Card
, Credit Card Debt
Latest News in Credit Card Debt - Nov 23, 2007 2007-11-23 12:34:47 The credit crunch is being overhyped ? for now, anyway
Fort Worth Business Press - Huge amounts of auto loans, credit-card debt, commercial mortgages and equipment leases have also been securitized. If similar problems emerged, it would shake confidence in the securitization model and, by magnifying investors? losses, threaten …
Asset-Backed Commercial Paper Falls for 15th Week (Update1)
Bloomberg - Debt maturing in 270 days or less and backed by mortgages, credit-card loans and other assets fell $17.5 billion, or 2 percent, to a seasonally adjusted $835.8 billion for the week ended Nov. 21, the Federal Reserve in Washington said today …
Avoiding A Holiday Credit Card
Crunch
WCCO - While we’re talking about shopping, we should also address credit card debt. The two seem to go hand in hand for many of us. Financial experts agree that the best way to get rid of debt is to attack the balance with the highest annual percentage rate …
As lines form at stores, bead Read more:Credit Card Debt
Warning: Free Credit Report Imposter Websites Springing Up on the Web 2007-11-22 02:52:23
A recent amendment to the federal Fair Credit Reporting Act (FCRA) requires each of the nationwide consumer credit reporting companies to provide consumers with a free copy of their credit report, upon request, once every 12 months.
Access to the free credit reports has been phased in beginning last December in the West and will finally be nationwide by 1 September. This is good news to consumers.
However, a new form of phishing, is manifesting itself even before access to free credit reports is available for all Americans.
The new law that requires the three national credit bureaus to provide a free annual credit report to consumers, has met with the law of unintended consequences. Although the law was initially created to help thwart identity theft, the process for requesting the free credit reports may in fact contribute to further identity theft or loss of privacy.
While the intent of the law was to make it easier for consumers to check for errors and possible evidence of iden Read more:Websites
What exactly do you get in a free credit report ? 2007-11-21 02:51:56 In this article we will discuss the misconception of free creditreport
s. There are lots of advertisements out there saying get your free credit report. But what exactly does a free credit report come with? I have personally seen about 3 different types of credit reports being advertised out there.
The first type of credit report is the credit report where you only get a credit report from one of the bureaus. There are 3 bureaus, and they are Equifax, Trans Union, and Experian. Typically the offer includes a report only from one of these bureaus. You might ask yourself how does this help me, and the answer is it does not help very much. The reason is since there are 3 bureaus, and they all report somewhat different information; you might want to get a credit report from all three bureaus. This is called a tri-merge, or a 3-1 credit report. In other words you get one report with all three bureaus and what they are currently reporting about you in regards to loans outstanding with your
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