Information About Free Credit Score
Seven Ways To Get Your Free Credit Report So You Can Know Your Credit Score And Financial Standing
By Tim Gorman
. . .
Do you know the information contained in your credit report? I am sure you do not because the truth is many people do not. There is no reason why you do not know your credit report score or information because it is free. That is right, you can get a free credit report and this article will tell you how.
You are given the right to receive a free copy of your credit report when any of the following occur:
1. If you have never asked for your report then you are automatically entitled to a free report. If you have already seen your report you are entitled to a free report if it has been 12 months since you last received your report.
2. If you are currently unemployed but are planning to get a job you can receive a free credit report as long as you get a job within 60 days of the day you asked for the free report.
3. Have you recently been denied credit? If you have been denied credit then the creditor must send you a denial letter stating the reason for denial. For you to get a free credit report you need to forward a copy of the denial letter with a request for your free report.
4. If you are declined for insurance you need to do the same thing as number 3. Forward a copy of the insurance denial or cancellation notice to the credit bureaus and ask for a free report.
5. Have you tried to rent an apartment, condo, house, etc.? According to the FCRA, or the Fair Credit Reporting Act, a landlord is required to send you a formal denial letter when they reject you. Again, just send in a copy of this denial letter with a request for your free report and there you go.
6. Have you been a victim of identity theft? If so they have probably taken money from you in some way. You should request to see your free report to make sure there are no inaccuracies in it because of the identity theft.
7. Everybody needs help once and awhile. If you are receiving public assistance you need to send proof that you are receiving it to the credit bureau and they will send you your free report.
If you currently fit into any of the above seven things than you can receive, by law, your free credit report and you should definitely do it.For more helpful tips on obtaining a free credit report try visiting http://www.free-online-instant-credit-report.info, a popular credit report website that provides tips, advice and helpful resources to include information on how to clean up your credit report, how to dispute an error on your credit report and tips on improving your credit history report.Article Source: http://EzineArticles.com/?expert=Tim_Gorman
7 Obscene Tricks Perpetrated On You By Your Credit Card Company
Obscene is usually associated with pornography while credit cards enjoy a more discreet association. At least that is the perception. This article will change your perception. It is my belief, and may become yours after you read the 7 tricks,...
How To Avoid Credit Card Penalties
It is a sad fact of life that credit card companies are very willing and fast to slap a penalty charge on your account for every mistake, delay and slip up you cause, immediately and without a second thought. These penalty charges can amount...
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Today there are hundreds of thousands of small & medium size businesses in this country that take orders via credit cards. In addition, every day in this country, there are hundreds of companies entering the world of e-commerce. They come from...
Differences Between Credit Cards and Store Cards
Introduction In this article, a presentation is made of the differences between major credit cards (<a href="http://www.chooseacreditcard.co.uk" target=new>http://www.chooseacreditcard.co.uk ) and credit cards offered by specific stores to...
By Tim Gorman
. . .
Do you know the information contained in your credit report? I am sure you do not because the truth is many people do not. There is no reason why you do not know your credit report score or information because it is free. That is right, you can get a free credit report and this article will tell you how.
You are given the right to receive a free copy of your credit report when any of the following occur:
1. If you have never asked for your report then you are automatically entitled to a free report. If you have already seen your report you are entitled to a free report if it has been 12 months since you last received your report.
2. If you are currently unemployed but are planning to get a job you can receive a free credit report as long as you get a job within 60 days of the day you asked for the free report.
3. Have you recently been denied credit? If you have been denied credit then the creditor must send you a denial letter stating the reason for denial. For you to get a free credit report you need to forward a copy of the denial letter with a request for your free report.
4. If you are declined for insurance you need to do the same thing as number 3. Forward a copy of the insurance denial or cancellation notice to the credit bureaus and ask for a free report.
5. Have you tried to rent an apartment, condo, house, etc.? According to the FCRA, or the Fair Credit Reporting Act, a landlord is required to send you a formal denial letter when they reject you. Again, just send in a copy of this denial letter with a request for your free report and there you go.
6. Have you been a victim of identity theft? If so they have probably taken money from you in some way. You should request to see your free report to make sure there are no inaccuracies in it because of the identity theft.
7. Everybody needs help once and awhile. If you are receiving public assistance you need to send proof that you are receiving it to the credit bureau and they will send you your free report.
If you currently fit into any of the above seven things than you can receive, by law, your free credit report and you should definitely do it.For more helpful tips on obtaining a free credit report try visiting http://www.free-online-instant-credit-report.info, a popular credit report website that provides tips, advice and helpful resources to include information on how to clean up your credit report, how to dispute an error on your credit report and tips on improving your credit history report.Article Source: http://EzineArticles.com/?expert=Tim_Gorman
7 Obscene Tricks Perpetrated On You By Your Credit Card Company
Obscene is usually associated with pornography while credit cards enjoy a more discreet association. At least that is the perception. This article will change your perception. It is my belief, and may become yours after you read the 7 tricks,...
How To Avoid Credit Card Penalties
It is a sad fact of life that credit card companies are very willing and fast to slap a penalty charge on your account for every mistake, delay and slip up you cause, immediately and without a second thought. These penalty charges can amount...
Accepting Credit Cards Positives vs Negatives
Today there are hundreds of thousands of small & medium size businesses in this country that take orders via credit cards. In addition, every day in this country, there are hundreds of companies entering the world of e-commerce. They come from...
Differences Between Credit Cards and Store Cards
Introduction In this article, a presentation is made of the differences between major credit cards (<a href="http://www.chooseacreditcard.co.uk" target=new>http://www.chooseacreditcard.co.uk ) and credit cards offered by specific stores to...
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