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Monday, September 10, 2007
What is a Free Instant Credit Report?
Some may know that credit report is actually your credit history. It contains the data collected from various sources by the credit bureaus. Credit report gives detailed information about financial position in your business life. This report also reflects your late credit payment. Hence its very important that you pay all your debts on time. Remember that a good credit report is an added advantage if you are looking to purchase something very expensive. For instance, if you are considering buying a house in the near future you need to have a healthy Credit Report. A healthy credit report is the best way of impressing your bank or money lenders.
Is it necessary to keep a check on our Credit report?
Many people want an answer to this. Knowing your current credit report is important, but one has to be equally cautious while getting this information. You need to check your credit report at least once in six months. Remember checking your credit report helps in protecting your credit rating. Moreover, it also helps you to keep a check on your creditors. There may be times when your creditor might fail to report a past due balance.
Free Instant online credit report contains a complete summary of your personal information. It contains your name, your residential addresses, contact number, Social Security number, month and year of birth as well as your employment information. It also contains information about any bankruptcy in your credit report. Your financial institution may periodically obtain your credit report so as to maintain your up to date records.
There are various types of credit report such as business credit report, consumer credit report, yearly credit report, etc. Initially there was strict prohibition on disclosure of instant credit report but now any person can apply for his/her credit report. Many lenders and retailers who extend credit facilities entirely depend on credit report and score to give credit to their customers.
Is it necessary to keep a check on our Credit report?
Many people want an answer to this. Knowing your current credit report is important, but one has to be equally cautious while getting this information. You need to check your credit report at least once in six months. Remember checking your credit report helps in protecting your credit rating. Moreover, it also helps you to keep a check on your creditors. There may be times when your creditor might fail to report a past due balance.
Free Instant online credit report contains a complete summary of your personal information. It contains your name, your residential addresses, contact number, Social Security number, month and year of birth as well as your employment information. It also contains information about any bankruptcy in your credit report. Your financial institution may periodically obtain your credit report so as to maintain your up to date records.
There are various types of credit report such as business credit report, consumer credit report, yearly credit report, etc. Initially there was strict prohibition on disclosure of instant credit report but now any person can apply for his/her credit report. Many lenders and retailers who extend credit facilities entirely depend on credit report and score to give credit to their customers.
Income Trusts 2.0, an unwanted sequel
Shopping for votes among elderly investors who loved the income trusts the Grits invented and the Harper Tories effectively killed last fall, the Liberals are trial-ballooning what they describe as a better-thought-out version of Income Trusts 1.0, which the entirety of Corporate Canada was threatening to exploit at a massive cost to the federal treasury.
Last October, Tory finance minister Jim Flaherty wisely reneged on a Tory campaign promise not to touch the trusts by wrestling the monster to the ground with the imposition of a 31.5 per cent tax of most income trusts and a ban on new trusts for an indefinite period.
Income Trusts 2.0, Liberal finance critic John McCallum claims, would be more judicious in winnowing out the undeserving, including banks, railways, airlines and phone providers. (Recall that it was BCE Inc.'s decision to follow rival Telus Corp. down the income-trust route that finally rang the alarm bells at Finance.)
How the Liberals' new version of trusts doesn't amount to Ottawa picking winners and losers – a discredited practice of which the Grits certainly don't want to be accused – is quite beyond us. For starters, if you were going to revive the trust abomination, why would you exclude airlines, a chronically tough-luck business that could use the help, in a country suffering duopoly service and in need of more carrier competition?
We think the moratorium on this fiscally destructive loophole should stand, if only because Flaherty has been subjected to so much abuse over a misguided policy he inherited, including two emailed threats of bodily harm to himself and his family by a Shreveport, La. stockbroker who pleaded not guilty last week on two counts of sending a threatening interstate communication.
And because of the Grits' own acknowledgment when they floated the income-trust revival late last week that they still haven't nailed down exactly how Income Trusts 2.0 would actually work. The trust thing is a hairball the Grits need to get out of their system.
Last October, Tory finance minister Jim Flaherty wisely reneged on a Tory campaign promise not to touch the trusts by wrestling the monster to the ground with the imposition of a 31.5 per cent tax of most income trusts and a ban on new trusts for an indefinite period.
Income Trusts 2.0, Liberal finance critic John McCallum claims, would be more judicious in winnowing out the undeserving, including banks, railways, airlines and phone providers. (Recall that it was BCE Inc.'s decision to follow rival Telus Corp. down the income-trust route that finally rang the alarm bells at Finance.)
How the Liberals' new version of trusts doesn't amount to Ottawa picking winners and losers – a discredited practice of which the Grits certainly don't want to be accused – is quite beyond us. For starters, if you were going to revive the trust abomination, why would you exclude airlines, a chronically tough-luck business that could use the help, in a country suffering duopoly service and in need of more carrier competition?
We think the moratorium on this fiscally destructive loophole should stand, if only because Flaherty has been subjected to so much abuse over a misguided policy he inherited, including two emailed threats of bodily harm to himself and his family by a Shreveport, La. stockbroker who pleaded not guilty last week on two counts of sending a threatening interstate communication.
And because of the Grits' own acknowledgment when they floated the income-trust revival late last week that they still haven't nailed down exactly how Income Trusts 2.0 would actually work. The trust thing is a hairball the Grits need to get out of their system.
Thursday, August 30, 2007
Whats in Your Credit Report?
If you have less than perfect credit and are thinking that you may not qualify for a mortgage, car loan or credit card, think again. Rather than listen to what friends and family may be telling you, find out for yourself what your true circumstances are. Start by getting a copy of your credit report from Equifax, Experian, or Trans Union, the major credit bureaus. Some states mandate that you must be given two free copies of your report upon request every year. All three bureaus have websites or 800 numbers that will allow you to order a copy of your credit report though they are not required to give you your credit report score and may charge you for that service.
You may be thinking “What’s in my annual credit report and how does my credit report affect me?” The answer to both is “a lot.” Your credit report is a compilation of records of all the credit items you have had and a history of your record of payments. Your score is an analysis of the amount of credit you have available and are using, combined with the record of payments you have made over the past few years. Your annual credit report score is calculated using a complicated and secret algorithm that assigns you a rating between 400 and 800, your “score”.
Detailed Records
Let’s look at what else is shown on your credit report. It starts with a record of your social security number, current address and telephone numbers and may contain your spouse’s name and social security number and your date of birth. Any public records linked to your name will be displayed on your credit report, including bankruptcies, judgments against you and the like. Next up are detailed records of your credit cards, mortgages, student loans, car loans and most other credit items. Utility companies, rental properties and many other types of creditors may report to the credit bureaus as well.
Most entries on your credit report will show the date the credit item was opened, the credit limit of the account, the highest balance you have used and the monthly payment due. A date next to each item shows the last date you paid and another entry shows whether the account was paid, charged off or still active.
Signs of trouble brewing
Your annual credit report is your financial scorecard and can make all the difference in your being turned down for a loan, credit card, insurance or employment. Late or unpaid items on your credit report indicate to a potential lender that you may represent a risk at some future date, as indicated by your past behavior. Of course, your behavior may have been intentional at the time, as sometimes happens when you lose a job or become incapacitated. Unfortunately, your credit report doesn’t show the whether your failure to pay on time was intentional or beyond your control.
Paying a higher interest rate on a car loan is a painful reminder that you may have been a little careless in the past. But higher interest rates are only a part of what you may pay. Your insurance application could be turned down and so could your job application as many employers now treat poor credit as a predictor of job performance. Rental and utility companies frequently run credit checks before allowing you service and a spotty credit record may mean hefty deposits on your part.
Errors on your report
Errors on your annual credit report can have as adverse an effect as if you had defaulted on a debt. It is possible that your credit report contains erroneous information meant for someone with a closely related social security number, a similar name or a nearby address. Even errors in addresses could cause good credit information to be left off your report, and that can have as much effect on your credit score as bad news. If you are trying to build or rebuild your credit, you want as much good information as possible to show up on your credit report. Should you find any errors on your credit report, send a formal request to the credit bureaus and have the incorrect information removed. If you don’t have the time to do it yourself, there are online credit report tools that can walk you through the process.
You are allowed by law to request a detailed statement substantiating your debt from any company that posts information to your credit report. The Fair Debt Credit Reporting Act requires creditors to give you a response within 30 days of your request, otherwise they must remove the item from your credit report. If the statute of limitations has run out, you can request removal of the item from your credit report. But do not take this to mean that you don’t owe the debt any longer, as I do not endorse walking away from one’s obligations.
There are many other details to learn about your annual credit report and about improving your credit score but you can start now by calling the three main credit-reporting agencies: Trans Union (800-916-8800), Equifax (800-685-1111) and Experian (800-682-7654).
Douglas Michaels is an editor, publisher and columnist. He started out publishing a free construction industry magazine geared to introducing builders to new, environmentally conscious technologies in the 1980s. He works in the financial industry and now dedicates his time to helping others educate themselves on improving their credit scores. For more tips on credit matters visit his website at http://www.my-credit-report-score.com or read his blog at http://www.creditreportscore.blogspot.com
You may be thinking “What’s in my annual credit report and how does my credit report affect me?” The answer to both is “a lot.” Your credit report is a compilation of records of all the credit items you have had and a history of your record of payments. Your score is an analysis of the amount of credit you have available and are using, combined with the record of payments you have made over the past few years. Your annual credit report score is calculated using a complicated and secret algorithm that assigns you a rating between 400 and 800, your “score”.
Detailed Records
Let’s look at what else is shown on your credit report. It starts with a record of your social security number, current address and telephone numbers and may contain your spouse’s name and social security number and your date of birth. Any public records linked to your name will be displayed on your credit report, including bankruptcies, judgments against you and the like. Next up are detailed records of your credit cards, mortgages, student loans, car loans and most other credit items. Utility companies, rental properties and many other types of creditors may report to the credit bureaus as well.
Most entries on your credit report will show the date the credit item was opened, the credit limit of the account, the highest balance you have used and the monthly payment due. A date next to each item shows the last date you paid and another entry shows whether the account was paid, charged off or still active.
Signs of trouble brewing
Your annual credit report is your financial scorecard and can make all the difference in your being turned down for a loan, credit card, insurance or employment. Late or unpaid items on your credit report indicate to a potential lender that you may represent a risk at some future date, as indicated by your past behavior. Of course, your behavior may have been intentional at the time, as sometimes happens when you lose a job or become incapacitated. Unfortunately, your credit report doesn’t show the whether your failure to pay on time was intentional or beyond your control.
Paying a higher interest rate on a car loan is a painful reminder that you may have been a little careless in the past. But higher interest rates are only a part of what you may pay. Your insurance application could be turned down and so could your job application as many employers now treat poor credit as a predictor of job performance. Rental and utility companies frequently run credit checks before allowing you service and a spotty credit record may mean hefty deposits on your part.
Errors on your report
Errors on your annual credit report can have as adverse an effect as if you had defaulted on a debt. It is possible that your credit report contains erroneous information meant for someone with a closely related social security number, a similar name or a nearby address. Even errors in addresses could cause good credit information to be left off your report, and that can have as much effect on your credit score as bad news. If you are trying to build or rebuild your credit, you want as much good information as possible to show up on your credit report. Should you find any errors on your credit report, send a formal request to the credit bureaus and have the incorrect information removed. If you don’t have the time to do it yourself, there are online credit report tools that can walk you through the process.
You are allowed by law to request a detailed statement substantiating your debt from any company that posts information to your credit report. The Fair Debt Credit Reporting Act requires creditors to give you a response within 30 days of your request, otherwise they must remove the item from your credit report. If the statute of limitations has run out, you can request removal of the item from your credit report. But do not take this to mean that you don’t owe the debt any longer, as I do not endorse walking away from one’s obligations.
There are many other details to learn about your annual credit report and about improving your credit score but you can start now by calling the three main credit-reporting agencies: Trans Union (800-916-8800), Equifax (800-685-1111) and Experian (800-682-7654).
Douglas Michaels is an editor, publisher and columnist. He started out publishing a free construction industry magazine geared to introducing builders to new, environmentally conscious technologies in the 1980s. He works in the financial industry and now dedicates his time to helping others educate themselves on improving their credit scores. For more tips on credit matters visit his website at http://www.my-credit-report-score.com or read his blog at http://www.creditreportscore.blogspot.com
Tuesday, August 21, 2007
How to get your free credit report
You've probably seen and heard the commercials offering free credit reports but which websites are really free?
Comsumer reporter John Matarese says people still complain about being taken for a ride when it comes to those free sites.
So just in time for back to school John Matarese has a quick refresher course in free credit reports 101.
The official website for a free credit check is annualcreditreport.com.
But he says to be careful when searching for free credit sites. He says when he did a search several popped up which can be very misleading.
Certain imposter sites include: freecreditreport.com which can cost you $12 a month. Another site charges users $29 a month.
He says to remember that most sites that advertise a "free credit report are not free.
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