Thursday, December 31, 2009
Free Credit / Contest Entry
Free Credit audition ... Free credit report dot com Dad Talk
http://www.youtube.com/watch?v=_4uuOXKQSps&hl=en
http://www.youtube.com/watch?v=_4uuOXKQSps&hl=en
Wednesday, December 30, 2009
Free Credit Report Affair song
lol, that's what is boredom and the song: It is said that a man should always be for the work he wants, because I'm like a pirate in this restaurant is all, some hackers in disguise because now I have my identity I served here every evening, chowder and iced tea had to go to jersey free credit report dot com (YeeHaw) I would see coming toward me like an atomic bomb that monitors your credit and send u e-mail alerts, so that they do not fish at the end of Seeling tourist in t-shirt. song lyrics second ...
http://www.youtube.com/watch?v=xPKoSbPMlVY&hl=en
http://www.youtube.com/watch?v=xPKoSbPMlVY&hl=en
Tuesday, December 29, 2009
FTC Free Credit Report Commercial Lyrics
FTC Free Credit Report Commercial Lyrics in today I check my credit every year. You can do - it's free! Under the law, is guaranteed. The AnnualCreditReport.com you can rely on them. Other pages you can turn your head, they say they are not misled its free! Once the disorder and sell their theyll do something different. The AnnualCreditReport.com you can rely on them. All fees are charged. Read the fine print and see! This is the harsh reality. Want ...
http://www.youtube.com/watch?v=a7xQnpK67ew&hl=en
http://www.youtube.com/watch?v=a7xQnpK67ew&hl=en
Monday, December 28, 2009
How To Get Free Credit Reports
Step-by-step instructions on how three free credit reports
http://www.youtube.com/watch?v=dXncVJJVisY&hl=en
http://www.youtube.com/watch?v=dXncVJJVisY&hl=en
Sunday, December 27, 2009
National Credit Report Featured on WPBF News in South Florida for statistics on identity theft
Statistics show identity theft is a problem, as South Florida Top 3 ranking in the nation. Credit fraud can also affect younger people as a child stealing their identification. It can take up to a year to clear a case of ID theft. Each family must be aware and secure the identity of their child. Additional information about preventing identity theft criminal before it is too late. NationalCreditReport.com, headquartered in Delray Beach, FL, offers alerts via e-mail on daily and monthly basis, if someone has access ...
http://www.youtube.com/watch?v=aRjFOyiORE8&hl=en
http://www.youtube.com/watch?v=aRjFOyiORE8&hl=en
Friday, December 25, 2009
Spot FeeeCreditReport.com-ALL 6
It stinks and nobody would care I just wish someone had told me that instead of a Renaissance was right! Free Credit Report dot com! Tell your friends, tell your father, your mother! No matter, they sing our songs As we first showed up with our pirate hat! If youre not the sword fights wrong pointy green socks and slippers, a journey of a knight who knows Take Free Credit Report dot com, lets go! ... credit report free. com Commercial Funny Bike Renaissance Faire Dream Girl ...
http://www.youtube.com/watch?v=jcVpH6pTqmo&hl=en
http://www.youtube.com/watch?v=jcVpH6pTqmo&hl=en
Thursday, December 24, 2009
All 7 free advertising Credit Report.com Plus Lyrics HQ
Please comment and subscribe to vote! =) If you wish to subscribe, see the phone and see the link (=) www.facebook.com Lyrics: Well they say that a man must always apply to the job you want, because I am like a pirate in this restaurant, dressed with clothes all because some hacker has stolen ...
http://www.youtube.com/watch?v=rsoaycwiZu0&hl=en
http://www.youtube.com/watch?v=rsoaycwiZu0&hl=en
Wednesday, December 23, 2009
Tuesday, December 22, 2009
Johnson Automotive
Best-selling car rates Badger customers. Johnson automotive commercial. Credit Report. Tired of being badgered? Badger. ... Badger Badger car sales in Johnson Automotive commercial credit report Man Woman Patrick Wilkins
http://www.youtube.com/watch?v=h1YDF66MK3A&hl=en
http://www.youtube.com/watch?v=h1YDF66MK3A&hl=en
Monday, December 21, 2009
NEW CREDIT FILE: Opinion of Credit Secrets Bible
Felon demand was 100% right. In reality, nothing could be further from the truth, because Credit Repair Organization Act (CROA) Law of 1997 clearly provides otherwise. The only way to create a new credit report or the right of new credit, that establishing a business credit report or credit file company. Many suppliers to extend loans to companies, in addition to individuals. You can build business credit, Dun & Bradstreet and Experian Business Credit. A good way to get a jump...
http://www.youtube.com/watch?v=Jp9bt5UsQTk&hl=en
http://www.youtube.com/watch?v=Jp9bt5UsQTk&hl=en
Sunday, December 20, 2009
FreeCreditReport.com Spoof
A parody of the commercials that advertised freecreditreport.com and their credit reports free! We found this very funny, and gave us a couple of hours actually get this shot, because he could not stop laughing, too! WARNING: This video is probably not suitable for some younger viewers! Leave comments and rate the video please! Have fun! ... credit report free. poker games com hilarious parody spoof funny comedy tv television commercial penis
http://www.youtube.com/watch?v=ItMi3s30aqM&hl=en
http://www.youtube.com/watch?v=ItMi3s30aqM&hl=en
Saturday, December 19, 2009
Best freecreditreport.com still Barter
He started running today on cable. So funny ... advertising free report credit rockstar Werbung rap comedy funny
http://www.youtube.com/watch?v=XNz4Z3K3wRU&hl=en
http://www.youtube.com/watch?v=XNz4Z3K3wRU&hl=en
Friday, December 18, 2009
Applause Free Report dot com car song
I have a request and I have never denied a request, so I had to do this son business
http://www.youtube.com/watch?v=VgSsS9g8a5U&hl=en
http://www.youtube.com/watch?v=VgSsS9g8a5U&hl=en
Thursday, December 17, 2009
Free Credit Report superior from Giant 1
Free Credit Report "Rock Star" GIANT 1 This is a bit 'higher quality than others.
http://www.youtube.com/watch?v=s5zRs4kc7pA&hl=en
http://www.youtube.com/watch?v=s5zRs4kc7pA&hl=en
Tuesday, December 15, 2009
Erica Sandberg - Free Credit Report
Monday, December 14, 2009
Monitor the credit to prevent identity theft - Advice from USAA
Crimes of identity theft continues to grow, and I've seen your credit report, you can ensure that nobody uses your good name. Features USAA Financial Planner, June Walbert.
http://www.youtube.com/watch?v=ReJRzBT1uSY&hl=en
http://www.youtube.com/watch?v=ReJRzBT1uSY&hl=en
Saturday, December 12, 2009
Active accounts against dormant accounts
www.RemoveTheCreditBlues.com follow me on http for updates from the world of credit. Credit reports with active accounts are treated differently in terms of credit with the inactive accounts. This is a must to see what can be repaired, and learn what you can not! ... "Credit Repair Minnesota MN" credit recovery "collections bankruptcy foreclosure" short sales "," credit report "tax lien" withdrawal "of credit card debt," debt elimination "Bloomington Troy" Troy Telthoester " "Do not remove the credit-blues"...
http://www.youtube.com/watch?v=ugF4PecEsQA&hl=en
http://www.youtube.com/watch?v=ugF4PecEsQA&hl=en
Friday, December 11, 2009
Free Credit Report (Car) - Open Mike Smith
My cover of one of the best songs from there today. I am in no way endorse this service, I'm just having fun with their music. Want to know how to play? Watch: www.youtube.com
http://www.youtube.com/watch?v=g3ktwRV-Mxk&hl=en
http://www.youtube.com/watch?v=g3ktwRV-Mxk&hl=en
onlinetrading conference oral sedation dentistry alcohol abuse treatment
Thursday, December 10, 2009
Hire Expectations
No, can not afford to neglect your credit report longer. Heres what you need to know so that your credit report will knock out of the race when you are competing for a job.
http://www.youtube.com/watch?v=EcxtbSdkZe8&hl=en
http://www.youtube.com/watch?v=EcxtbSdkZe8&hl=en
Wednesday, December 9, 2009
Free Credit Report.com Hilarious Commercial - Good 745 (High Quality)
The letter is anonymous and FCR.com Bad Credit pecorino: Anonymous Content Director Patrick Sherman satirical take on target with lackluster credit brilliant results for Free Credit Report.com through the Martin Agency. Shot in documentary style, a vigorous, well-745 deals with bad loans through the eyes of the owner of an animal, which was desperate to tame her score credit mess, out of control, and shamefully low. The creds: Client: Free Credit Report commercials Title: Good Air 745 Date: April 2009 ...
http://www.youtube.com/watch?v=CdY4dtewURQ&hl=en
http://www.youtube.com/watch?v=CdY4dtewURQ&hl=en
Labels:
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Tuesday, December 8, 2009
All 6 Free Credit Report.Com Advertising
EDIT 4: Loaded "All publicity FreeCreditReport.Com 9. So going to see the new spot 3 added to the collection. Now. www.youtube.com EDIT 3: You know, there's no need to remind myself that there are patches of new ones. In fact, I've uploaded, so I think I would know. I'm waiting for all the new spots are before making another collaberation. So yeah. For the new commercials included. EDIT 2: Add text annotations on the video. Now you need not look in from the ...
http://www.youtube.com/watch?v=7dFbNw3bpKE&hl=en
http://www.youtube.com/watch?v=7dFbNw3bpKE&hl=en
Monday, December 7, 2009
Your Access to Free Credit Reports
Your Access to Free Credit Reports
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 FCRA promotes the accuracy and privacy of information in the files of the nation’s consumer reporting companies. The Federal Trade Commission (FTC), the nation’s consumer protection agency, enforces the FCRA with respect to consumer reporting companies.
A credit report includes information on where you live, how you pay your bills, and whether you’ve been sued or arrested, or have 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.
Here are the details about your rights under the FCRA and the Fair and Accurate Credit Transactions (FACT) Act, which established the free annual credit report program.
Q: How do I order my free report?
A: The three nationwide consumer reporting companies have set up a central website, a toll-free telephone number, and a mailing address through which you can order your free annual report.
To order, visit annualcreditreport.com, call 1-877-322-8228, or complete the Annual Credit Report Request Form and mail it to: Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281. The form is on the back of this brochure; or you can print it from ftc.gov/credit. Do not contact the three nationwide consumer reporting companies individually. They are providing free annual credit reports only through annualcreditreport.com, 1-877-322-8228, and Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281.
You may order your reports from each of the three nationwide consumer reporting companies at the same time, or you can order your report from each of the companies one at a time. The law allows you to order one free copy of your report from each of the nationwide consumer reporting companies every 12 months.
A Warning About “Imposter” Websites
Only one website is authorized to fill orders for the free annual credit report you are entitled to under law — annualcreditreport.com. Other websites that claim to offer “free credit reports,” “free credit scores,” or “free credit monitoring” are not part of the legally mandated free annual credit report program. In some cases, the “free” product comes with strings attached. For example, some sites sign you up for a supposedly “free” service that converts to one you have to pay for after a trial period. If you don’t cancel during the trial period, you may be unwittingly agreeing to let the company start charging fees to your credit card.
Some “imposter” sites use terms like “free report” in their names; others have URLs that purposely misspell annualcreditreport.com in the hope that you will mistype the name of the official site. Some of these “imposter” sites direct you to other sites that try to sell you something or collect your personal information.
Annualcreditreport.com and the nationwide consumer reporting companies will not send you an email asking for your personal information. If you get an email, see a pop-up ad, or get a phone call from someone claiming to be from annualcreditreport.com or 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 such email to the FTC at spam@uce.gov.
Q: What information do I need to provide to get my free report?
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 consumer reporting company 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.
Q: Why do I want a copy of my credit report?
A: Your credit report has information that affects whether you can get a loan — and how much you will have to pay to borrow money. You want a copy of your credit report 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.
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 report online at annualcreditreport.com, you should be able to access it immediately. If you order your report by calling toll-free 1-877-322-8228, your report will be processed and mailed to you within 15 days. 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 nationwide consumer reporting company needs more information to verify your identity.
There also may be times when the nationwide consumer reporting companies receive a high 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 nationwide consumer reporting companies will let you know.
Q: Are there any other situations where I might be eligible for a free report?
A: Under federal law, you’re entitled to a free 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 consumer reporting company. You’re also entitled to one free 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 consumer reporting company may charge you up to $10.50 for another copy of your report within a 12-month period.
To buy a copy of your report, contact:
Equifax:1-800-685-1111; equifax.com
Experian: 1-888-397-3742; experian.com
TransUnion: 1-800-916-8800; 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 report from each of the three nationwide consumer reporting companies?
A: It’s up to you. Because nationwide consumer reporting companies get their information from different sources, the information in your 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 nationwide consumer reporting companies at the same time?
A: You may order one, two, or all three 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 report?
A: Under the FCRA, both the consumer reporting company and the information provider (that is, the person, company, or organization that provides information about you to a consumer reporting company) are responsible for correcting inaccurate or incomplete information in your report. To take full advantage of your rights under this law, contact the consumer reporting company and the information provider.
Tell the consumer reporting company, in writing, what information you think is inaccurate.
Consumer reporting companies 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 consumer reporting company, it must investigate, review the relevant information, and report the results back to the consumer reporting company. If the information provider finds the disputed information is inaccurate, it must notify all three nationwide consumer reporting companies so they can correct the information in your file.
When the investigation is complete, the consumer reporting company must give you the written results and a free copy of your report 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 consumer reporting company cannot put the disputed information back in your file unless the information provider verifies that it is accurate and complete. The consumer reporting company 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 consumer reporting company, 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 consumer reporting company or information provider won’t correct the information I dispute?
A: If an investigation doesn’t resolve your dispute with the consumer reporting company, you can ask that a statement of the dispute be included in your file and in future reports. You also can ask the consumer 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 consumer reporting company.
Q: How long can a consumer reporting company report negative information?
A: A consumer reporting company 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: Can anyone else can get a copy of my credit report?
A: The FCRA 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 report?
A: Your employer can get a copy of your credit report only if you agree. A consumer reporting company may not provide information about you to your employer, or to a prospective employer, without your written consent.
For More Information
The FTC works for the consumer to prevent fraudulent, deceptive, and unfair business practices in the marketplace and to provide information to help consumers spot, stop, and avoid them. To learn more about credit issues and protecting your personal information, visit ftc.gov/credit.
To file a complaint or to get free information on other consumer issues, visit ftc.gov or call toll-free, 1-877-FTC-HELP (1-877-382-4357); TTY: 1-866-653-4261. The FTC enters Internet, telemarketing, identity theft, and other fraud-related complaints into Consumer Sentinel, a secure online database available to hundreds of civil and criminal law enforcement agencies in the U.S. and abroad.
The FTC works for the consumer to prevent fraudulent, deceptive, and unfair business practices in the marketplace and to provide information to help consumers spot, stop, and avoid them. To file a complaint or to get free information on consumer issues, visit ftc.gov or call toll-free, 1-877-FTC-HELP (1-877-382-4357); TTY: 1-866-653-4261. The FTC enters consumer complaints into the Consumer Sentinel Network, a secure online database and investigative tool used by hundreds of civil and criminal law enforcement agencies in the U.S. and abroad.
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 FCRA promotes the accuracy and privacy of information in the files of the nation’s consumer reporting companies. The Federal Trade Commission (FTC), the nation’s consumer protection agency, enforces the FCRA with respect to consumer reporting companies.
A credit report includes information on where you live, how you pay your bills, and whether you’ve been sued or arrested, or have 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.
Here are the details about your rights under the FCRA and the Fair and Accurate Credit Transactions (FACT) Act, which established the free annual credit report program.
Q: How do I order my free report?
A: The three nationwide consumer reporting companies have set up a central website, a toll-free telephone number, and a mailing address through which you can order your free annual report.
To order, visit annualcreditreport.com, call 1-877-322-8228, or complete the Annual Credit Report Request Form and mail it to: Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281. The form is on the back of this brochure; or you can print it from ftc.gov/credit. Do not contact the three nationwide consumer reporting companies individually. They are providing free annual credit reports only through annualcreditreport.com, 1-877-322-8228, and Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281.
You may order your reports from each of the three nationwide consumer reporting companies at the same time, or you can order your report from each of the companies one at a time. The law allows you to order one free copy of your report from each of the nationwide consumer reporting companies every 12 months.
A Warning About “Imposter” Websites
Only one website is authorized to fill orders for the free annual credit report you are entitled to under law — annualcreditreport.com. Other websites that claim to offer “free credit reports,” “free credit scores,” or “free credit monitoring” are not part of the legally mandated free annual credit report program. In some cases, the “free” product comes with strings attached. For example, some sites sign you up for a supposedly “free” service that converts to one you have to pay for after a trial period. If you don’t cancel during the trial period, you may be unwittingly agreeing to let the company start charging fees to your credit card.
Some “imposter” sites use terms like “free report” in their names; others have URLs that purposely misspell annualcreditreport.com in the hope that you will mistype the name of the official site. Some of these “imposter” sites direct you to other sites that try to sell you something or collect your personal information.
Annualcreditreport.com and the nationwide consumer reporting companies will not send you an email asking for your personal information. If you get an email, see a pop-up ad, or get a phone call from someone claiming to be from annualcreditreport.com or 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 such email to the FTC at spam@uce.gov.
Q: What information do I need to provide to get my free report?
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 consumer reporting company 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.
Q: Why do I want a copy of my credit report?
A: Your credit report has information that affects whether you can get a loan — and how much you will have to pay to borrow money. You want a copy of your credit report 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.
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 report online at annualcreditreport.com, you should be able to access it immediately. If you order your report by calling toll-free 1-877-322-8228, your report will be processed and mailed to you within 15 days. 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 nationwide consumer reporting company needs more information to verify your identity.
There also may be times when the nationwide consumer reporting companies receive a high 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 nationwide consumer reporting companies will let you know.
Q: Are there any other situations where I might be eligible for a free report?
A: Under federal law, you’re entitled to a free 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 consumer reporting company. You’re also entitled to one free 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 consumer reporting company may charge you up to $10.50 for another copy of your report within a 12-month period.
To buy a copy of your report, contact:
Equifax:1-800-685-1111; equifax.com
Experian: 1-888-397-3742; experian.com
TransUnion: 1-800-916-8800; 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 report from each of the three nationwide consumer reporting companies?
A: It’s up to you. Because nationwide consumer reporting companies get their information from different sources, the information in your 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 nationwide consumer reporting companies at the same time?
A: You may order one, two, or all three 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 report?
A: Under the FCRA, both the consumer reporting company and the information provider (that is, the person, company, or organization that provides information about you to a consumer reporting company) are responsible for correcting inaccurate or incomplete information in your report. To take full advantage of your rights under this law, contact the consumer reporting company and the information provider.
Tell the consumer reporting company, in writing, what information you think is inaccurate.
Consumer reporting companies 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 consumer reporting company, it must investigate, review the relevant information, and report the results back to the consumer reporting company. If the information provider finds the disputed information is inaccurate, it must notify all three nationwide consumer reporting companies so they can correct the information in your file.
When the investigation is complete, the consumer reporting company must give you the written results and a free copy of your report 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 consumer reporting company cannot put the disputed information back in your file unless the information provider verifies that it is accurate and complete. The consumer reporting company 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 consumer reporting company, 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 consumer reporting company or information provider won’t correct the information I dispute?
A: If an investigation doesn’t resolve your dispute with the consumer reporting company, you can ask that a statement of the dispute be included in your file and in future reports. You also can ask the consumer 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 consumer reporting company.
Q: How long can a consumer reporting company report negative information?
A: A consumer reporting company 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: Can anyone else can get a copy of my credit report?
A: The FCRA 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 report?
A: Your employer can get a copy of your credit report only if you agree. A consumer reporting company may not provide information about you to your employer, or to a prospective employer, without your written consent.
For More Information
The FTC works for the consumer to prevent fraudulent, deceptive, and unfair business practices in the marketplace and to provide information to help consumers spot, stop, and avoid them. To learn more about credit issues and protecting your personal information, visit ftc.gov/credit.
To file a complaint or to get free information on other consumer issues, visit ftc.gov or call toll-free, 1-877-FTC-HELP (1-877-382-4357); TTY: 1-866-653-4261. The FTC enters Internet, telemarketing, identity theft, and other fraud-related complaints into Consumer Sentinel, a secure online database available to hundreds of civil and criminal law enforcement agencies in the U.S. and abroad.
The FTC works for the consumer to prevent fraudulent, deceptive, and unfair business practices in the marketplace and to provide information to help consumers spot, stop, and avoid them. To file a complaint or to get free information on consumer issues, visit ftc.gov or call toll-free, 1-877-FTC-HELP (1-877-382-4357); TTY: 1-866-653-4261. The FTC enters consumer complaints into the Consumer Sentinel Network, a secure online database and investigative tool used by hundreds of civil and criminal law enforcement agencies in the U.S. and abroad.
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Take the first step toward taking control of your credit!
Getting your FREE Credit Report & Credit Score is the first step in knowing your credit. Monitoring your credit report allows you to stay on top of your credit on a daily basis.
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More on Credit Score.DID YOU KNOW that three little numbers (Credit scores are calculated based on data in your credit reports and, as fluid numbers, change over time, sometimes on a daily basis! That's why its so important to stay on top of your credit reports for changes that could affect your credit scores. Other than pulling your credit report on a daily basis, credit monitoring is the best way to know what's happening in your credit report.
Triple Advantage credit monitoring lets you do both-it monitors all three of your credit reports for key changes and alerts you if any are found, plus you can pull your credit report and check your credit score every day as a paid member!
Getting your FREE Credit Report & Credit Score is the first step in knowing your credit. Monitoring your credit report allows you to stay on top of your credit on a daily basis.
Triple Advantage monitors all 3 of your national credit reports daily for key changes!
Try it FREE for 7 days!
Experience daily monitoring of your Experian, Equifax, and TransUnion credit reports
Receive email alerts of key changes and potential signs of identity theft to any of your 3 credit reports.
Get unlimited Experian credit reports & credit scores with paid membership
$50,000 Triple Advantage Guarantee*
And more!
Take the guesswork out of what's happening with your credit. Enroll in your FREE 7-day trial of Triple Advantage and get your FREE credit report & credit score just for trying it!
* Due to New York state law restrictions, the Triple Advantage Guarantee cannot be offered to residents of New York.
More on Credit Score.DID YOU KNOW that three little numbers (Credit scores are calculated based on data in your credit reports and, as fluid numbers, change over time, sometimes on a daily basis! That's why its so important to stay on top of your credit reports for changes that could affect your credit scores. Other than pulling your credit report on a daily basis, credit monitoring is the best way to know what's happening in your credit report.
Triple Advantage credit monitoring lets you do both-it monitors all three of your credit reports for key changes and alerts you if any are found, plus you can pull your credit report and check your credit score every day as a paid member!
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