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Establishing Credit, the Great Task "How do I establish credit, when I don't have a credit history"? This is probably the most commonly asked question by most consumers looking to open a credit account. Not having credit can be just as difficult as having bad credit unless you know how to ... Here's How Factoring is Better than a Loan or Line of Credit When business owners realize they have a cash flow problem and start looking for ways to solve it, the first thing they usually do is call their banker or the SBA. The second thing they do is discover all the financial and credit information they will ... How To Stop Your Creditors Cold! Wipe Out Your Debts!If you're afraid to answer the phone because your creditors havebeen calling every night; and you're worried that one of them isgoing to call your boss and tell him you're a deadbeat; andjust trying to pay off your bills leaves you ...
Free Credit Reports - $80 Refunds Due To One Million People
If you were one of the more than one million people who paid for one of those free credit reports, then you are due a refund. Under an agreement with the FTC, consumerinfo.com will be contacting one million previous customers about a refund.
New language on the main page page of the consumerinfo website now clearly states that the free report comes with an added report and a monthly fee. It does not however mention where to get help with a potential refund. However, you can call them at (202) 326-3457 if you are due a refund and have not been contacted by them. Their statement "Get a free Experian credit report when you begin a free 30-day CreditCheck® monitoring trial. If you don't cancel your membership within the 30-day trial period, you will be billed $12.00 each month that you continue your membership." cannot be misinterpreted. If you go there and get a free report, you surely will know what you are getting.Additional information on the site also clarifies and points out:
- Checking your credit report does not affect your credit score.
- Credit fraud occurs without your knowledge until the damage is already done.
- Eleven steps to protect you against credit fraud.
- The what, why and who of credit scores.
- Basic credit reporting agency information.
Additionally, their statement "This offer is not related to the free credit report that you may be entitled to under Federal law. To obtain that free report, you must go to www.annualcreditreport.com." will direct you to the website where you actually can get a free credit report. The free credit report site allows you to get a free report once every 12 months from Equifax, Experian and TransUnion. They also acknowledge that reviewing your credit report is an effective tool to help prevent the harmful effects of identity theft.Additionally, they answer some basic credit questions for you in an unbiased manner. You can find responses to these and other frequently asked question:
- What is a credit file disclosure.
- How often can I request a free credit file disclosure through this website.
- How else can I request my free annual credit file disclosure.
- Should I order all my credit file disclosures at one time or space them out over 12 months.
- What is a credit score.
- How can I get my credit score.
- What about companies that claim they can improve my credit report for a fee.
- Am I entitled to a free credit report under state law.
- How do I contact the Federal Trade Commission, the FTC.
- How can I provide a suggestion or complaint about the Annual Credit Report Request.Service or this website.
- How do I request a Credit Report by Mail for a Child under 13 years of age.
If you want to pay for a credit report that includes the three largest credit reporting agencies you can also get one from the consumerinfo website or from others such as CreditReporting.com. Either way, it's a good idea to get you're a copy of your credit report to assist to in battling identity theft.
