Hello! Obtain your FREE Annual Credit Report... Free looks at your Credit Report and credit score from all three major reporting agencies are available to you right now, with no reason from you other than curiosity. And in this case, I cannot imagine that curiosity is going to kill anyone’s cat. The FCRA or Fair Credit Reporting Act guarantee’s one’s right to a copy of their credit report at their request. [More Info at www.dougparry.com] They have set up a helpful website in order to get this information out there to the public of course which can be viewed at any time for more information. The Federal Trade Commission, who governs over this law, also has required the 3 major reporting agencies to provide a phone number, toll free, and a mailing address in addition to the website to obtain your credit report and apply online for your free credit report score. You can glance at these reports once a year, for free which can be quite helpful and for someone who is unaware of one’s current score, very helpful in the start of one’s credit education. However, credit scores can change in a matter of months and sometimes even as fast as a couple of weeks due to consumer activity. Consumer activity can cause a credit score to raise or lower quickly with certain activity. For example, when shopping for a vehicle many consumers will shop different lots in order to find the right one for them, perhaps filling out a credit application in the process. When applying for an auto loan, it may be sent by the dealer at the automotive agency to many different buyer to obtain the right loan or the right rates for that loan from the best lending company. In order to do that, your credit will be run several times, how many depending on the auto dealer and his finance department really. Each and every time your credit is run, your score is lessened with most scoring systems, including the ones used by the 3 major reporting agencies and credit bureaus. There is a cap on the number of times your score can be lowered due to it being run by some corporation or other, but there is no cap on the list that remains on your report as to who has run your credit. When applying for credit or filling out an application for a loan soon, this will show up on your report along with your score and make lenders question as to why you did not obtain a loan or credit through these lenders although your credit was pulled. Make sure to stay educated when it comes to your credit and visit the official big three website to obtain your free credit report today. Remember however, that your score can change quickly and it is a good idea to keep better track of something that can have such an impact on your life and pocket book. When applying for a loan or credit, your credit score is what determines your interest rate, which determines of course, how much money you will have to shell out of your pocketbook in order to obtain the money you desire. Being able to constantly look at your report and score from the major credit bureaus is very important to credit repair and staying on top of score. Credit scores can change in weeks and you need to be able to know when such things happen to of course, fix if you are able. Most people are surprised how many different types of negative items, bad debt or other types of credit bureau reporting items are able to be removed from their scores and reports completely if done correctly and with the right know how. There are many different credit books and help programs out there available out there to help people to fix their own credit and improve their credit score themselves. Make sure to find the right self-help credit book for fixing your credit score and improving your credit score, one with good testimonials and that has been around for quite some time, copyrighted recent of course. as credit is ever changing. Obtain your first free credit report as is your right through the Fair Credit Reporting Act (FCRA), and make sure that is you are proceeding with fixing your credit, that you sign up with the right website to view your credit reports online all year for a nominal fee. These sites are easy to find, the rates are pretty low, considering the good ones offer a look at all three major credit bureaus credit reports and scores for a year anytime. This is very valuable when considering looking for that loan suddenly and we all know that credit scores loom over one’s head when an application for something that we need suddenly appears before us. Get your credit score fixed, get your credit score now for free and start your credit education by reading the articles, books, programs and websites necessary to get in the know for your credit repair. It can be simple to fix your own credit, once you obtain the right program and start using the letters and communication formats to fix your own credit now. I might mention how nice those loans will look suddenly when the interest rates plummet and your monthly payments almost seem silly compared to what they were before the re-finance. The Fair Credit Reporting Act (FCRA) requires each of the nationwide consumer reporting companies — Equifax, Experian, and TransUnion — to provide you with a free copy of your credit report, at your request, once every 12 months. The Federal Trade Commission (FTC), the nation's consumer protection agency, has prepared a brochure, Your Access to Free Credit Reports, explaining your rights under the FCRA and how to order a free annual credit report.A credit report includes information on where you live, how you pay your bills, and whether you've been sued, arrested, or filed for bankruptcy. Nationwide consumer reporting companies sell the information in your report to creditors, insurers, employers, and other businesses that use it to evaluate your applications for credit, insurance, employment, or renting a home. How do I order my free report?You can order your free annual credit report online at annualcreditreport.com, by calling 1-877-322-8228, or by completing the Annual Credit Report Request Form and mailing it to: Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281. When you order, you need to provide your name, address, Social Security number, and date of birth. To verify your identity, you may need to provide some information that only you would know, like the amount of your monthly mortgage payment. A Warning About "Imposter" SitesThe FTC advises consumers who order their free annual credit reports online to be sure to correctly spell annualcreditreport.com, or link to it from the FTC's website to avoid being misdirected to other websites that offer supposedly free reports, but only with the purchase of other products. While consumers may be offered additional products or services while on the authorized website, they are not required to make a purchase to receive their free annual credit reports. For more information on free annual credit reports, read Your Access to Free Credit Reports. Other Links: Telemarketing & Telephone Services Identity Theft Credit & Loans www.equifax.com
www.experian.com
www.transunion.com To Request your Credit Report by Phone:
Call: 1-877-322-8228
You will go through a simple verification process over the phone.
Your reports will be mailed to you within 15 days. Please, allow 2-3 weeks for delivery.
To Request your Credit Report by Mail:
Download the request form (You need an Adobe viewer to view the requested form. Download the free Adobe viewer)
Print and complete the form
Mail the completed form to:
Annual Credit Report Request Service [Go Here]
P.O. Box 105281
Atlanta, GA 30348-5281
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Credit Tip Compliments of: Douglas J. Parry - RE/MAX Lifestyles [www.dougparry.com] Direct (818) 347-2233 - Mobile (818) 985-3333 -
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