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."

Curt sent you a Bankrate.com story link!

This story link was sent to you by Curt.

--

Curt's comments: If you've had many financial changes in the last year and you've not checked your credit history standings, perhaps getting your latest credit report will reveal your most current credit score. Any incidents such as mortgage interest rate adjustments or new loans could impact your score. Find out your credit score now....

You can read this story on Bankrate.com at http://www.bankrate.com/brm/news/debt/20090427-debt-adviser-bad-score-a1.asp

A washingtonpost.com article from: curtd.marketing@gmail.com

As the economic crisis continues, you need to pay attention to your credit card accounts. Depending on your circumstances with your credit card such as the amount of debt you have, credit card companies are closely looking at the amount of debt you have in your cards. They are also looking at your credit scores. Take a look at the following article to see what I mean, then go to this website and get your credit report. Click Here

Taking a Swing At the Bullies Behind the Plastic

By Michelle Singletary

President Obama's meeting with the top credit card issuers reminds me of a principal calling the playground bully into his office.

To view the entire article, go to http://www.washingtonpost.com/wp-dyn/content/article/2009/04/25/AR2009042500122.html?referrer=emailarticle


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10 Tips To Manage Your Frequent Flier Miles

 

There have been some changes in the way airlines are trying to attract your business. Here are some tips to make your airline travel more convenient…..

10 tips to manage frequent flier miles

Newsday - ‎21 hours ago‎

Some airline-branded credit cards award 2 miles or points for every dollar spent on the partner airline and 1 mile or point for a dollar spent everywhere ...

 

For more information about credit debt or finance information just visit this website…More Credit Information

Interesting Article - Tips to Raise Your Credit Score

Hello Credit Tips,

Your friend, Curt considered the following article
interesting and wanted to send it to you:

Tips to Raise Your Credit Score
By Candy L Dihel

Do you know what your credit score is? Is it low, high, average? If you credit score isn't as good as it should be start taking steps today to raise your credit score, and get control of you finances.

http://ezinearticles.com/?Tips-to-Raise-Your-Credit-Score&id=1506243

Message from Curt:
Want a huge tip to get your credit ratings shooting through the roof?

Check out this article.....

How Does A Student Become A Poor Student?

While it is important to get the news of our students who are getting into credit trouble, the real source of the problem begins early on in life with the family. By teaching children the value of respecting money, the problem of students becoming heavily in debt when they graduate can be minimized.....

Increasing credit debt plagues students
Cosumnes Connection (subscription) - Sacramento,CA,USA
Students find themselves using their credit cards not only for food and iPods, but also to help pay for tuition and textbooks. Experience with credit debt ...

FWD: JPMorgan reports better profit than forecasts

This message was forwarded to you by curtd.marketing@gmail.com.

Comment from sender:
It's always good news when a major bank can report profits than what it has forecated...

Because we are in a deep recession and high unemployment, getting a glimmer of hope in the banking world is great news...

Get the full story...

This article is from The Star Online (http://thestar.com.my)
URL: http://biz.thestar.com.my/news/story.asp?file=/2009/4/17/business/3713488&sec=business

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NEW YORK: JPMorgan Chase & Co reported better-than-expected first-quarter profit yesterday, as improved investment banking performance offset an increase in losses from credit cards and other consumer debt.

The results come as a deepening recession and rising unemployment forced the bank to set aside more money against losses in its consumer banking business.

Its shares fell slightly to US$32.30 from US$32.56 in pre-market trading on Thursday, after first-quarter profit to common shareholders fell 33% to US$1.52bil.

The bank set aside US$10bil against credit losses, almost twice the amount it put aside a year earlier.

While the bank has largely avoided the losses and writedowns on complex debt securities and subprime mortgages that hurt other banks in 2008, it is heavily exposed to consumer credit and chief executive Jamie Dimon has warned that rising unemployment will hurt the bank's consumer businesses in 2009.

"It is reasonable to expect additional increases to credit reserves if the economic environment worsens," said Dimon in a statement.

Offsetting rising credit card and mortgage losses, however, JPMorgan's investment bank reported profit of US$1.6bil, up from a loss of US$87mil a year earlier, on an increase in debt underwriting and strong credit, emerging markets and rates trading activity.

Analysts on average expected the second-largest US bank to earn 30 cents a share, with forecasts ranging from 11 cents to 45 cents a share, according to Reuters Estimates. —Reuters

<a href="http://hosted.ap.org/dynamic/fronts/BUSINESS?SITE=MYPSP&SECTION=HOME" target="_blank">Latest business news from AP-Wire</a>

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