How To Get A Free Credit Report

 

Did you know that you can get a free credit report?

Here is an excellent article that gives simple directions on how to get your free credit report…. keep reading.

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.

 

Visit www.101-credit-debt-finance.com for more info on Credit Reports.

The Surge of Media Debt Sales of $18.3 Billion Signal More Mergers

Signs of a recovering economy? It seems that the debt brokers and bouncing back.....see more for the story

Media Debt Sales of $18.3 Billion Signal More Mergers (Update2) - Bloomberg.com: "Media Debt Sales of $18.3 Billion Signal More Mergers (Update2)
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By Sarah Rabil and Gabrielle Coppola

Sept. 11 (Bloomberg) -- News Corp., owner of Fox television, Discovery Communications Inc. and other media companies raised almost $4 billion in debt sales last month, a sign that thawing credit may open the door for takeovers.

The surge in issuance compares with nothing in July and zero a year earlier. It brings total bond sales by U.S. media companies to $18.3 billion in 2009, more than all of 2008, and lets companies repay maturing debt or finance growth."