"I'm not offended by all the dumb blonde jokes because I know I'm not dumb... and I also know that I'm not blonde."Dolly Parton
|
| |
Get the Edge - Product Review
After purchasing Anthony Robbin's Get The Edge program, I was a bit skeptical that it would provide much value. I can honestly tell you that it has dramatically changed many areas in my life. Many of my new or old goals are finally in clear focus, I've ...
Pro's & Con's of Investing in Bonds
What are Bonds?A bond is a debt security, by which you are lending money to a government, municipality, corporation, federal agency or other entity known as the issuer. In return for investing in the bond, the issuer promises to pay you a specified rate ...
Starting A Business Online
It seems like the internet is the place for the new gold rush these days.You get flooded with information and advertising about how easy it is to start a business online all over the place.And the market is big. According to a recent Harris poll, 72% of ...
|
|
|
| |
Yes, you can now get your credit report without paying a dime. And unlike before, now it is truly free. No longer do you have to sign up for a "free" credit report by signing up for "credit monitoring protection service" for a low annual fee of $79 a year! The days of dodging the annoying charges and service fees for a free credit report are over.
Under the 2003 Fair and Accurate Credit Transactions Act, you have the right to a free copy of your credit report within a 12 month period from the big three credit report bureaus (Experian, Equifax and TransUnion). The goal of this new government act is to ensure that Americans have the right to stay informed about what these three credit reporting bureaus say about you without having to pay for it. Since identity theft, fraud and errors are quite common today, why should you have to pay for a copy of a report to fight back against these problems?
Here are the 3 ways to get your free annual credit report:
1) The three credit reporting agencies have created a website to request your annual credit report. Go to www.annualcreditreport.com to order your report.
2) Call (877) 322-8228 to request your free credit report.
3) Complete a form from the Federal Trade Comission, http://www.ftc.gov/bcp/conline/include/requestformfinal.pdf and mail it to: Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281.
If you go directly to the three agencies or use any other type of service you may end up having to pay or sign up for the subscription services I mentioned above! Make sure you use one of the 3 methods I have listed to get your annual free credit report.
You can get the reports from all 3 agencies at once or stagger the reports from each one during the course of 1 year. The advantage of staggering the reports that you receive is to keep track of how any major changes in your financial picture affect what is on your credit report. For example, if you plan on getting a second mortgage over the coming year, or applying for student loans, ect. it might be wise to get a report before and after these major events!
This new Act does not supplant the other methods you can take advantage of to receive a free credit report. If you are applying for unemployment or been denied a loan, or need a credit report in order to get a job, you still have the right to obtain a free credit report.
Take advantage of this new government regulation and make sure all of the information listed by all three credit reporting agencies are correct. Any errors or omissions can reduce your credit score and end up costing you a lot of money when you apply for any type of credit.
About the author:
Greg Quincy is the publisher of the website www.financialtipsforyou.com, offering his insights and personal finance budget tips that he has gained from working in the financial industry and the economic challenges of raising a family. Copyright © 2005 FinancialTipsForYou
|
|
|
|
|
|
Mutual Funds & Personal FinanceInvestor's Business Daily (subscription) - 17 hours agoBY PAUL KATZEFF Wait and see. That's the posture held in November by more than four out of five institutional fund managers polled for Merrill Lynch's ... |
More Personal Finance Daily storiesMarketWatch - Nov 18, 2008"A good contrarian, though, will note that just when things look darkest is where we usually find the turning point." We're just getting started. ... |
Economics proves profitableBethany Beach Wave, DE - 8 hours ago"With today's economic condition, it is essential that our students graduate with an understanding of personal finance," Konyar said. ... |
Mutual Funds & Personal FinanceInvestor's Business Daily (subscription) - Nov 18, 2008BY PAUL KATZEFF In a troubled market, the defensive consumer staples sector has outperformed all others. That's boosted Fidelity Select Consumer Staples ... |
|
