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Free Credit Reports: From The 3 Major Credit Bureau's!
By Vincent Dail
Get your credit report online for FREE. Many financial
advisors suggest that you periodically review your credit
report for inaccuracies or omissions.
This could be especially important if you're considering
making a major purchase, such as buying a home. Checking
in advance on the accuracy of information in your credit
file could speed the credit-granting process, clean
credit is a must.
A recent amendment to the federal Fair Credit Reporting
Act (FCRA) requires each of the credit bureau's to provide
you with free credit reports, at your request, once
every 12 months.
Free Credit Reports, contain information on where you
live, how you pay your bills, and whether you've
been sued, arrested, or filed for bankruptcy. Nationwide
credit bureau's sell the information in your credit
report to creditors, insurers, employers, and other
businesses that use it to evaluate your applications
for credit, insurance, employment, or renting a home.
There are three nationwide credit reporting companies
Equifax, Experian, and Trans Union.
Everyone in the Western states will first be able to
order their free credit reports under the federal law
beginning December 1, 2004. Consumers in other states
will be able to order their copies according to a regional
roll-out detailed below.
In recent months, consumers have asked the FTC for more
details about their rights under the federal FCRA and
the Fair and Accurate Credit Transactions (FACT) Act,
which established the free credit reports program. They've
also asked about credit reports in general. Here are
the most frequently asked questions and the answers.
Q: How do I know when I'm eligible to get a free
credit report?
A: Soon free credit reports will be phased in during
a nine- month period, rolling from the West Coast to
the East beginning December 1, 2004. Beginning September
1, 2005, free credit reports will be accessible to all
Americans, regardless of where they live.
Everyone in the Western states Alaska, Arizona, California,
Colorado, Hawaii, Idaho, Montana, Nevada, New Mexico,
Oregon, Utah, Washington, and Wyoming can order their
free credit reports beginning December 1, 2004.
Everyone in the Midwestern states Illinois, Indiana,
Iowa, Kansas, Michigan, Minnesota, Missouri, Nebraska,
North Dakota, Ohio, South Dakota, and Wisconsin can
order their free reports beginning March 1, 2005.
Everyone in the Southern states Alabama, Arkansas, Florida,
Georgia, Kentucky, Louisiana, Mississippi, Oklahoma,
South Carolina, Tennessee, and Texas can order their
free reports beginning June 1, 2005.
Consumers in the Eastern states Connecticut, Delaware,
Maine, Maryland, Massachusetts, New Hampshire, New Jersey,
New York, North Carolina, Pennsylvania, Rhode Island,
Vermont, Virginia, and West Virginia the District of
Columbia, Puerto Rico, and all U.S. territories can
order their free credit report beginning September 1,
2005.
Q: How do I order my free credit report from the 3 major
credit bureau's?
A: You may order your free credit reports from each
of the three nationwide credit bureau's at the same
time, or you can order from only one or two. The law
allows you to order one free copy from each of the nationwide
credit reporting companies every 12 months.
Q: What information do I have to provide to get my free
credit reports?
A: You need to provide your name, address, Social Security
number, and date of birth.
If you have moved in the last two years, you may have
to provide your previous address.
To maintain the security of your file, each nationwide
credit bureau's may ask you for some information that
only you would know, like the amount of your monthly
mortgage payment.
Each company may ask you for different information because
the information each has in your file may come from
different sources. The nationwide credit reporting companies
will not send you an email asking for your personal
information. If you get an email or see a pop-up ad
claiming it's from any of the three nationwide
consumer reporting companies, do not reply or click
on any link in the message it's probably a scam.
Forward any email that claims to be from any of three
credit bureau's to the FTC's database of deceptive
spam at spam@uce.gov. Any of three credit bureau's also
will not call you to ask for your personal information.
Q: Why would I want to get a copy of my free credit
reports?
A: You may want to review your free credit reports:
because the information it contains affects whether
you can get a loan and how much you will have to pay
to borrow money. to make sure the information is accurate,
complete, and up-to-date before you apply for a loan
for a major purchase like a house or car, buy insurance,
or apply for a job. to help guard against identity theft.
That's when someone uses your personal information
like your name, your Social Security number, or your
credit card number to commit fraud.
Identity thieves may use your information to open a
new credit card account in your name. Then, when they
don't pay the bills, the delinquent account is
reported on your credit report. Inaccurate information
like that could affect your ability to get credit, insurance,
or even a job.
Q: How long does it take to get my report after I order
it?
A: If you request your free credit reports online, you
should be able to access it immediately. If you order
your report by mail using the Annual Credit Report Request
Form, your request will be processed and mailed to you
within 15 days of receipt.
Whether you order your report online, by phone, or by
mail, it may take longer to receive your report if the
3 major credit bureau's needs more information to verify
your identity.
There may be times when the major credit bureau's receive
an extraordinary volume of requests for credit reports.
If that happens, you may be asked to re-submit your
request. Or, you may be told that your report will be
mailed to you sometime after 15 days from your request.
If either of these events occurs, the 3 major credit
bureau's will let you know.
Q: Are there any other situations where I might be eligible
for a free credit report?
A: Under federal law, you're entitled to a free
credit report if a company takes adverse action against
you, such as denying your application for credit, insurance,
or employment, and you ask for your report within 60
days of receiving notice of the action.
The notice will give you the name, address, and phone
number of the credit reporting company. You're
also entitled to one free credit report a year if you're
unemployed and plan to look for a job within 60 days;
if you're on welfare; or if your report is inaccurate
because of fraud, including identity theft.
Otherwise, a credit reporting company may charge you
up to $9 for another copy of your report within a 12-month
period.
To buy a copy of your report, contact:
Equifax 800-685-1111 www.equifax.com
Experian 888-EXPERIAN (888-397-3742) www.experian.com
Trans Union 800-916-8800 www.transunion.com
Under state law, consumers in Colorado, Georgia, Maine,
Maryland, Massachusetts, New Jersey, and Vermont already
have free access to their credit reports.
Q: Should I order a credit report from each of the 3
major credit bureau's?
A: It's up to you. Because the credit bureau's
get their information from different sources, the information
in your credit report from one company may not reflect
all, or the same, information in your reports from the
other two companies. That's not to say that the
information in any of your reports is necessarily inaccurate;
it just may be different.
Q: Should I order my reports from all three of the major
credit bureau's at the same time?
A: You may order one, two, or all three free credit
reports at the same time, or you may stagger your requests.
It's your choice. Some financial advisors say
staggering your requests during a 12-month period may
be a good way to keep an eye on the accuracy and completeness
of the information in your reports.
Q: What if I find errors either inaccuracies or incomplete
information in my credit reports?
A: Under the Fair Credit Reporting Act, both the credit
bureau and the information provider (that is, the person,
company, or organization that provides information about
you to a credit bureau's) are responsible for correcting
inaccurate or incomplete information in your report.
To take advantage of all your rights under this law,
contact the Credit Bureau and the information provider.
Tell the credit bureau, in writing, what information
you think is inaccurate.
They must investigate the items in question usually
within 30 days unless they consider your dispute frivolous.
They also must forward all the relevant data you provide
about the inaccuracy to the organization that provided
the information. After the information provider receives
notice of a dispute from the credit bureau, it must
investigate, review the relevant information, and report
the results back. If the information provider finds
the disputed information is inaccurate, it must notify
all three credit bureau's, so they can correct the information
in your file.
When the investigation is complete, the credit bureau
must give you the written results and free credit reports
if the dispute results in a change. (This free report
does not count as your annual free report under the
FACT Act.) If an item is changed or deleted, the credit
bureau's cannot put the disputed information back in
your file unless the information provider verifies that
it is accurate and complete. They also must send you
written notice that includes the name, address, and
phone number of the information provider.
Tell the creditor or other information provider in writing
that you dispute an item. Many providers specify an
address for disputes. If the provider reports the item
to a credit bureau, it must include a notice of your
dispute. And if you are correct that is, if the information
is found to be inaccurate the information provider may
not report it again.
Q: What can I do if the credit bureau or information
provider won't correct the information I dispute?
A: If an investigation doesn't resolve your dispute
with the credit bureau's, you can ask that a statement
of the dispute be included in your file and in future
reports. You also can ask the credit reporting company
to provide your statement to anyone who received a copy
of your report in the recent past.
You can expect to pay a fee for this service.
If you tell the information provider that you dispute
an item, a notice of your dispute must be included any
time the information provider reports the item to a
credit bureau.
Q: How long can a credit bureau report negative information?
A: A credit bureau can report most accurate negative
information for seven years and bankruptcy information
for 10 years.
There is no time limit on reporting information about
criminal convictions; information reported in response
to your application for a job that pays more than $75,000
a year; and information reported because you've
applied for more than $150,000 worth of credit or life
insurance.
Information about a lawsuit or an unpaid judgment against
you can be reported for seven years or until the statute
of limitations runs out, whichever is longer.
Q: Who else can get a copy of my credit report?
A: The Fair Credit Reporting Act specifies who can access
your credit report. Creditors, insurers, employers,
and other businesses that use the information in your
report to evaluate your applications for credit, insurance,
employment, or renting a home are among those that have
a legal right to access your report.
Q: Can my employer get my credit reports?
A: Your employer can get a copy of your credit report
only if you agree. A credit bureau may not provide information
about you to your employer, or to a prospective employer,
without your written consent.
For More Infomation Visit: http://www.debt-elimination-program-reviews.com
They review and then list some of the best debt elimination,
programs, software and books available online in 2005!
Article Source: http://EzineArticles.com/
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Credit Cards, Free, objective information articles and rate quotes for consumer bank products such as mortgage rates, home loans, CDs, auto loans.
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