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Your credit score will determine your eligibility to get the best financial services available such as car loans, home loans, insurance, etc. Take time to find out what your credit report shows and be sur to clean up any problems now.
The following is a summarized excerpt from the Federal Trade Commission website, which can be found on the Web at
http://www.ftc.gov/bcp/conline/pubs/credit/repair.htm :
Even if you don't have a poor credit history, it's a good idea to conduct your own credit check-up, especially if you're planning a major purchase, such as a home or car. Checking in advance on the accuracy of the information in your credit report could speed the credit-granting process.
You're entitled to one free report a year if you can prove that (1) you're unemployed and plan to look for a job with 60 days, (2) you're on welfare, or (3) your report is inaccurate because of fraud. Otherwise, a credit bureau may charge you up to $9.00 for a copy of your report.
There are three large national credit bureaus that supply most credit reports: Equifax, Experian and TransUnion. It is best to get a credit report from each of them to ensure the accuracy is complete with each bureau. The following is information for contacting each credit bureau:
Equifax
1-800-685-1111
www.equifax.com Experian
1-888-EXPERIAN (397-3742)
www.experian.com TransUnion
1-800-916-8800
www.transunion.com Additionally, according to a recent article "You Can Get Out of Debt", in Parade Magazine,
"A recent survey found that 80% of all credit reports contain mistakes - 25% of them serious enough to result in denial of credit. Free annual credit reports from all three major credit bureaus [listed above] are available at
www.annualcreditreport.com ; call 1-877-322-8228; or fill out and send a form to Annual Credit Report Request Service, PO Box 105281, Atlanta, GA 30348-5281."
There are also many agencies that will help to
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There are three large national credit bureaus that supply most credit reports: Equifax, Experian and TransUnion. It is best to get a credit report from each of them to ensure the accuracy is complete with each bureau. The following is information for contacting each credit bureau: Equifax 1-800-685-1111 Experian1-888-EXPERIAN (397-3742) TransUnion 1-800-916-8800Additionally, according to a recent article "You Can Get Out of Debt", in Parade Magazine, "A recent survey found that 80% of all credit reports contain mistakes - 25% of them serious enough to result in denial of credit. Free annual credit reports from all three major credit bureaus [listed above] are available at ; call 1-877-322-8228; or fill out and send a form to Annual Credit Report Request Service, PO Box 105281, Atlanta, GA 30348-5281."There are also many agencies that will help to
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