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Thursday, November 20, 2008

You may also write to the CRA. Some companies sell a merged version of all three reports. You will be provided with an address to contact to alert financial services companies of your optout preferences. There are many credit scoring models in use today all are designed to rate your likelihood to repay your debts.

There is no denying that errors can and do appear in credit reports. What about freezing my credit reports. The practice of generating and selling lists for use in preapproved credit and insurance offers is allowed by law. This should be done at least once a year. Try our credit monitoring service for 30 days free with no obligation. The practice of credit scoring is widespread and growing. How can you increase your FICO Score. The lower the percentage of available credit, the more the credit score will drop. Your credit report may also contain information about delinquent child support payments that are more than seven years old. Experian, on the other hand, sells lists of consumers to marketers derived from consumer surveys, demographics sources, and public records.

Instances of identity theft are increasing. This is the source of the many preapproved credit offers most consumers receive in the mail. The law does not allow CRAs to compile and sell information from credit reports for the purpose of direct marketing. Misdemeanor complaints must be removed after seven years. To take full advantage of your rights under this law, contact the consumer reporting company report negative information. Com where you can order your reports directly. Can my employer get my credit report. This way, you are monitoring your credit reports on an ongoing basis. This information was sold to many information brokers who in turn sold it for a variety of investigative purposes.

Is there more I should know if Im a victim of identity theft. Any government agency limited usually to your name, address, former addresses, current and former employers. Daily monitoring of all 3 credit reports with customizable alerts of any key changes. Do your homework before signing on the dotted line. There are certain times when you are entitled to under Federal law. You can get a free report from each of the three national credit reporting companies every 12 months. These amendments give you a right to a free copy for special circumstances.

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Thursday, November 20, 2008

How Your Credit Rating Affects You And How To Check It
By: Michael Knowles

How Your Credit Rating Affects You And How To Check It

Michael Knowles

You might not know it, but every time you take out any kind of loan or credit or pay something back, it gets counted on your credit rating. Who keeps a record on you will vary according to where you live, but the big three credit reference agencies are Experian, Equifax and Trans Union. They will provide your credit rating to any company that is considering lending you money.

What is Included in Your Credit Rating

All the debts you currently have are included in your credit rating. There is a history of all the debts you've had in the past ten years or so, and special emphasis is put on anything that has gone wrong. Defaulting (never paying) on any debt will ruin your credit rating completely. Borrowing a lot before you start paying anything back will make you look like a very bad risk, and so will going all the way up to (or even over) your limit on a credit card.

It is also worth considering that the credit reports of anyone you live with may be linked to your report, and could reflect badly on you. Your wife or husband's credit rating is tied to yours quite closely.

How Your Credit Rating is Worked Out

The most common method of coming up with your rating is called 'FICO', named after the Fair Isaac Corporation, who invented it. Your current credit status is prioritized, in this order: whether you've paid past debts, how much debt you currently have, your credit history, the types of debt you use, and how many times your rating has been checked recently. Things that happened more recently are given more weight than things that happened a long time ago.

Why Your Credit Rating is Important

Any time you get turned down for a credit card or any other loan, the chances are that it was because of your credit rating. Companies giving out small loans are far more likely to rely completely on this rating than to bother checking your income, and a worse rating will mean that you are offered a higher interest rate. Your rating is important when you get car loans and mortgages too. You don't want to find a house you love only to get turned down for the mortgage thanks to your habit of paying your credit card bills late.

How to Check Your Credit Rating

Credit reference agencies can't hold your information on file without telling you what it is they have. If you write them a letter and pay a very small fee, they have to send you the full credit report that they have about you. You are also entitled to a free credit report once per year. Copy and paste this link in your browser for more information

https://www.annualcreditreport.com/cra/index.jsp

You can then check over your credit rating, and send a letter back to the agency telling them about anything that you think isn't right. You might find that a screw-up has made you look bad when it wasn't your fault. They will include anything you send in your file. In some countries, you may find that you can sign up to get credit reports regularly for a small fee, or even for free! Make sure to check your local laws.

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