Archive for the ‘Correct Credit Report Errors’ Category.

6 Mistakes You Make When You Check Your Credit

6 Mistakes You Make When You Check Your Credit
And though federal law doesn't yet give you a right to see your credit scores (which are derived from information in your credit reports) for free, there are plenty of free ways to do so. Some credit card issuers put your score on your statement or …
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Medical Bill Suddenly Appeared in Collections — What Are My Options?
Request an itemized bill and check for errors. As many as 80% of medical bills contain errors, … This is important because while your FICO score carries significant weight in loan and credit applications, lenders, employers and others may look at …
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Turn a Secured Credit Card Rejection into an Approval
First, look at your application and make sure you filled it out correctly. If you were rejected because you made a mistake … Go to to get free credit reports from each of the three major consumer credit bureaus — you're …
Read more on NerdWallet (blog)

One in Two Americans Who Plan to Use Credit Cards Fearful About Credit Card Security This Holiday Season

Salt Lake City, UT (PRWEB) November 20, 2014

More than half of American consumers are worried about credit card security, suggests a recent Lexington Law survey conducted online on their behalf by Harris Poll.

Lexington Law commissioned Harris Poll to survey more than 2,000 adults age 18 and older and ask specific questions about whether their credit cards have been breached, what types of payment forms they intend to use for holiday shopping, and their feelings regarding credit card security breaches in general.

While some blame credit card companies, most Americans (70 percent) believe that retail chains are at fault for credit card breaches. The survey also revealed that 65 percent of holiday shoppers say they have used or plan to use cash to pay for their purchases compared to 61% who plan to use credit cards this holiday season.

The study, conducted in late October, found that 51 percent of Americans who plan to use a credit card for their holiday shopping are fearful of being affected by security breaches. In addition, for one of every two people, the risk of identity theft due to a credit card breach outweighs the benefits and potential rewards of using a credit card to purchase gifts.

“After so many high-profile security breaches this past year, these kinds of consumer attitudes really aren’t a surprise,” said Randy Padawer, a consumer advocate for Lexington Law, the nation’s leading credit report repair provider. “What is surprising, and perhaps disconcerting for retailers, is just how many consumers say they prefer cash instead.”

Other interesting survey highlights:

    41 percent of Americans who have credit cards say their cards have been compromised in some way.
    21 percent who have had their credit card breached said it happened in a retail store.
    67 percent of Americans whose credit cards had been compromised reported that the experience had not yet changed how often they use their credit cards online or in-store

“Identity theft so widely associated with credit card breaches can be extremely damaging to people’s credit scores,” Padawer added. Lexington Law’s service offering can help consumers repair the damaging effects of these, and other, events by correcting inaccurate or unsubstantiated items from their credit report. Fair and accurate credit reports lead to better credit scores and improved consumer confidence.


Full methodology:

This survey was conducted online within the United States between October 29-31, 2014 among 2,022 adults, age 18 and older, by Harris Poll on behalf of Lexington Law via its Quick Query omnibus product. Figures for age, sex, race/ethnicity, education, region and household income were weighted where necessary to bring them into line with their actual proportions in the population. Propensity score weighting was used to adjust for respondents’ propensity to be online.

All sample surveys and polls, whether or not they use probability sampling, are subject to multiple sources of error which are most often not possible to quantify or estimate, including sampling error, coverage error, error associated with nonresponse, error associated with question wording and response options, and post-survey weighting and adjustments. Therefore, the words “margin of error” are avoided as they are misleading. All that can be calculated are different possible sampling errors with different probabilities for pure, unweighted, random samples with 100% response rates. These are only theoretical because no published polls come close to this ideal.

Respondents for this survey were selected from among those who have agreed to participate in our surveys. The data have been weighted to reflect the composition of the adult population. Because the sample is based on those who agreed to participate in the online panel, no estimates of theoretical sampling error can be calculated.

About Lexington Law

Lexington Law is a consumer advocacy law firm with decades of experience, helping hundreds of thousands of Americans work to improve their credit. The firm comprises the largest network of credit repair professionals in the U.S., employing a growing staff of 26 attorneys and 200+ paralegals/agents across 19 states. By leveraging consumer rights to legally resolve issues with creditors and credit bureaus, Lexington works to ensure that client credit reports are fair, accurate, and substantiated. For details about Lexington Law’s services, attorneys, or statistics visit:

About The Harris Poll

Over the last 5 decades, Harris Polls have become media staples. With comprehensive experience and precise technique in public opinion polling, along with a proven track record of uncovering consumers’ motivations and behaviors, The Harris Poll has gained strong brand recognition around the world. The Harris Poll offers a diverse portfolio of proprietary client solutions to transform relevant insights into actionable foresight for a wide range of industries including health care, technology, public affairs, energy, telecommunications, financial services, insurance, media, retail, restaurant, and consumer packaged goods. Contact us for more information.

Find More Correct Credit Report Errors Press Releases

News briefs from about Tennessee at 1:58 am EDT

Image from page 316 of “The useful work of a bank : a treatise on useful banking which aims to show the basic concepts of cash, the practical work of a lender in detail, and specifically, credit with its reference to financial operations” (1915)
correct credit file mistakes
Image by Internet Archive Book Images
Identifier: practicalworkofb00knif
Title: The useful work of a bank : a treatise on practical financial which aims to show might maxims of income, the useful work of a bank at length, and specifically, credit with its relation to banking businesses
Year: 1915 (1910s)
Authors: Kniffin, William Henry, 1873-
Subjects: Banks and banking Bank management Money Bank financial loans
Publisher: New York : Bankers Pub.
Adding Library: University of California Libraries
Digitizing Sponsor: MSN

See Book Page: Book Viewer
Concerning this Book: Catalog Entry
See All Photos: All Graphics From Book

Click here to view book online to see this illustration in context in a browseable internet based type of this guide.

Text Appearing Before Image:
in publishing to wrong account, or omitting a check, itwill here be detected. On close associated with the thirty days the vouch-ers tend to be inspected back using statements, and a balancestruck, as well as the sheet with vouchers delivered to the depositor for THIRTY DAYS OF In Account with 3rtii«g National lank P«EW YORK. Previous balance and credits the following $ ? Total of – Debits as per machine list . Balance forward Please examine simultaneously. If no error is reported within ten times the account may be considered proper C-CollectionDis-DiscountF.X.-Foreign Exchange CREDITS JUST Dote Data Balance Kindly require your declaration on 2ND WORKING DAY OF EACH AND EVERY PERIOD and^ preserve it very carefully utilizing PASS BOOK as Receipt for Deposits. 298 STATEMEXT RENDERED TO DEPOSITORS BANK ACCOUNTING 299 his assistance, the stub staying within the lender. Balances are,of training course, transported over to an innovative new sheet for every depositor asthe basis for the following months work. The addressing ma-chine is coming into play right here as a ready way of Usting

Text Appearing After-image:
ADDRESSING MACHINE AXD ITS WORK (bEI.OW) (thanks to the Addressograph Co., Chicago, 111.) the headings for these reports. It is a quick and mostexcellent way of maintaining the records with depositors. Aslip is enclosed, asking the depositor to report promptly thereceipt of vouchers and veiify the balance. fS m ANDERSON & CRAWFORD,1921 BROADWAY, brand new YORK.N.Y ( Business.. Rating….. Customen Catalogues )

Note About Pictures
Please be aware why these pictures tend to be obtained from scanned page pictures which will have-been digitally enhanced for readability – color and look of the pictures might not perfectly look like the original work.

News briefs from about Tennessee at 1:58 am EDT
31-state deal should make credit file errors easier to fix. COLUMBUS, Ohio (AP) — Three nationwide credit rating agencies have actually agreed to fix disputed info on credit file more quickly, wait much longer before incorporating potentially damaging …
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Credit Reporting Agencies Accept Spend M to Resolve Grievances
The research dedicated to customer disputes about credit file errors, keeping track of and disciplining information furnishers (providers of credit rating information), reliability in credit reports, together with advertising of credit monitoring items to …
Read more on InsideARM

Where To Have Cheap Credit Reports

Most Folks Dont Realize That They Are Able To Get Cheap Credit Reports On-line As Well As Get Them For No Cost By Just Going To A Internet Site. Like Inside US You’ll Be Able To Get Three Joined Companies Who Joined Up And Their Web Site Is At

Frequent Credit Report Aren’t Advisable Unless Of Course You Discover A Fraud And If You Could Have Definitely Applied Your Freebie For Your Year It Truly Is Usually A Good Idea You Enquire Type A Reliable Company For Instance Experian, Equifax Or TransUnion. You Will Discover Also Some Low-cost And Trusted Internet Sites Where You Can Get Credit History Reviews Which Also Includes Your Credit Rating Scores.

A Law Authorizes One To Have There Annual Survey And If By Possibility It Was Not Supplied, The Cheap Credit Reports Might Be Used Online Via Authorized Businesses And They’ll Supply You With The Full List Of One’s Credit Profile.

Cheap Credit Reports Have Four Unique Credit History Records Which Is Identifying Info Which Gives Facts Of The Names, Address And Social Number, Credit History Historical Past Shows The Time And Date You Opened Your Account, Particulars Of Your Respective Loan And Just How A Great Deal You Took.

You Can Also Get Your Declaration Of Account,Stability About The Loan, Community Information,and Inquiries Concerning Bankruptcies,judement And Taxes. Placing A Freeze Protection For Your Cheap Credit Reports Creates Your Particular Info Useless And By Doing So It Creates It Difficult For A Thief To Access Into Your Account.

If Necessary, You Can Lift Your Account. But If It May Well Happen You Can Always Make Really Quick Moves And Statement Towards The Lawyer Generals Customer Protection Division Which Has Put Together A Hotline 800-392-8222 Or Call Traris Ford Of Purchaser Schooling At 573-751-527.

It Can Be Advised To Shred Or Burn If Feasible Delicate Details Of Your Respective Cheap Credit Reports. It Really Is Wise To Bring Credit Score Cards And Cash But Leave Your Societal Security Card If Probable And Provide It With You If Desired In A Transaction.

It Can Also Be Important To Possess Spywares And Internet Protection Software Installed Inside Your Computer. Credit History Bills Must Be Checked Every Month To Update On Your Own Costs.

If You Discover Any Mistakes In Your Month-to-month Record You Must Sort Them A Single By One And Make Suitable Records Along With A Stick To Up To Make Sure Which They Have Been Rectified.

Pact should make it easier to correct credit reports

Pact should make it easier to correct credit reports
They are both right. In 2013, the Federal Trade Commission, after having 1,001 randomly selected consumers look at their credit files, found that 5 percent of participants had errors on one of their three major credit reports and that the mistakes …
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Keeping score on credit
Unfortunately, the Consumer Financial Protection Bureau conducted a 14-month probe, which found that it is notoriously difficult for consumers to correct credit report errors. As regulators continue to oversee the rating and scoring industries, there …
Read more on Chicago Tribune

Where To Build Cheap Credit Reports

People Locate It Tough In Obtaining Cheap Credit Reports, But It Really Is Now Readily Obtainable On The Web And Is Usually Viewed By Anybody. Within The U.S. Alone, 3 Companies Joined With Each Other In Just One Web Site Known As

Frequent Credit File Are Not Advisable Unless Of Course You Discover A Fraud And If You Might Have Definitely Applied Your Freebie For That Year It Can Be Usually A Good Idea You Enquire Form A Reputable Company For Example Experian, Equifax Or TransUnion.Please Note That You’ll Find Also Other Affordable And Secure Areas In Which You Get Credit Rating Studies Which Also Are Available With Your Scores.

The Law Also Authorizes One Particular To Have A Cost-free Annual Survey And By Any Opportunity That You Just Are Denied The Cheap Credit Reports It Is Possible To Employ On-line To The Above Authorized Firms For No Cost As Each And Every Of Them Keeps Diverse Ratings Which Will Enable You Get A Right Thorough Review Of One’s Credit Profile.

The Low-cost Credit File Consist Of 4 Various Credit Records Namely Identifying Details Which Gives Details On Individual Facts, Credit History Background Where It Indicates The Time And Date Through The Moment You Got The Accounts, Details Of One’s Loan And How Much Bank Loan You Obtained.

And Also How Much You Have Been Having To Pay In The Direction Of The Financial Loan, And The Balance You Nevertheless Owe, Community Documents, And Questions This Really Is In Which You’ll Come Across Particulars In Regard To Bankruptcies, Judgments And Taxes.Placing A Freeze Safety For Your Cheap Credit Reports Makes Your Individual Details Useless And By Doing So It Can Make It Difficult For A Thief To Accessibility Into Your Account.

If Essential, It Is Possible To Lift Your Accounts.But If It Might Take Place You Are Able To Often Make Very Quick Moves And Review To The Attorney General’s Consumer Protection Division Which Has Create A Hotline 800-392-8222 Or Call Traris Ford Of Buyer Education At 573-751-527.

Always Shred Sensitive Info About Your Cheap Credit Reports.Make A Habit To Only Carrying Credits Cards And Files You Will Need For That Day And In No Way Carry Your Social Protection Card.

It Is Also Crucial To Utilize Spywares On Your Own Personalized Personal Computer.Check Out Your Monthly Bills So That You Just Can Discover How Very Much You Have Invested.

If You Discover Any Mistakes In Your Monthly Report You Must Sort Them One By One Particular And Make Right Reports Plus A Abide By Up To Make Positive That They Have Been Rectified.

National Debt Relief Shares Common Causes of Errors in Credit Reports

Miami, FL (PRWEB) October 20, 2014

National Debt Relief recently shared an article, published on October 18, 2014, with some tips on how to deal with an error in the credit report of consumers. The article, titled “4 Possible Reasons Why You Have A Credit Report Error,” explains some of the most common reasons on how mistakes get into consumers’ credit reports.

The article starts off by explaining the importance of a credit report in the lives of consumers. The reports are the main basis of credit scores that reflect on how financially responsible the person is. The higher the score, the better the standing same as the lower the score, the more they are seen as a risk by lenders.

The article also shares that one in every five consumers could have an error in their credit reports. That means an estimate of 40 million consumers encountered problems with their reports. 5%, or 10 million consumers, had severe credit report mistakes that could make them pay more in terms of loan interest rates.

One reason for these mistakes is probably the own doing of the consumer. The article explains the consumers themselves might have a hand in their credit report mistakes. It could be as simple as writing illegibly on the forms and making sure that contact details are unreadable that prevent billing forms from being delivered.

The article also mentions that the lenders might have caused the error in the credit report. If this happens, it is best for consumers to call the attention on the lender in order for them to launch an investigation. Same goes for when the error was caused by the credit bureau itself, the consumer should report it at once to correct the mistake.

Being a victim of identity theft could be another reason for the mistakes in the credit report. Consumers should alert the lenders and the authorities on this as well. To read the rest of the article, click on this link:

You can forget of this Dell 0141 mistakes

The 0141 mistake is really a Dell error which is proven whenever you will discover troubles combined with the difficult drive within your method. The conventional idea demonstrated with this mistake is “2000-0141” and shows some sort of difficulties together with the challenging drive of your respective Laptop. Lots of folks report seeing this error although the difficult drive is probably not impacted, also to have the ability to do the repair, you might like to are able to make use of the subsequent tutorial to process any regarding the problems within it…

exactly what leads to The Dell 0141 Error?

* Infections from viruses

How can you Resolve The Dell 0141 mistake?

Step1 – it is advisable to first run the “Dell personal Test” facility to scan by means of your own personal computer and let you know about any difficulties which may be inside it. Which a bit of computer software furnished by Dell and is also utilised to help you acquire the bottom of any problems or challenges that always induce your personal computer to present dilemmas. It is possible to utilize this facility from your own “Dell reference CD” that appeared together with your Dell laptop or computer. Carrying this out check will indicate you what exactly is mistaken together with your process and that can then supply you with the instant approach to fix the issues

Action two – You’ll want to then run a “virus scan” to eradicate any achievable attacks that happen to be within your treatment. Viruses are like little programs which latch onto your laptop computer and hardware and result in a great deal of troubles for the laptop computer. To repair this, you have to use a reliable anti-virus system to scan by means of your strategy and obtain gone any within the viruses that could be in your process and making havoc.

Activity three – right after performing both of these ways, you ought to after that achieve a registry scan to help repair your personal computer’s registry. The registry can be a central database which outlets various types of configurations and realities towards procedure. Regrettably, the registry can be considered one of several principle causes of troubles inside Computer, and is also what brings about many PCs to perform with errors. Thankfully, you can easily fix this and also make your Personal computer run considerably more quickly through the use of a ‘registry cleaner’ to fix any in the difficulties which may be inside of this section of Microsoft windows. This is certainly extremely proposed to fix the 0141 error.

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Rigaku Publishes WDXRF Application for Semi-Quantitative Analysis of Geological Samples

(PRWEB) November 19, 2014

Rigaku Corporation has published a new application report demonstrating the analysis of geological samples using the semi-quantitative method and employing wavelength dispersive X-ray fluorescence (WDXRF) spectrometry. Rigaku Application Note #XRF 1020 shows the analysis of geological samples (including details of sample preparation method, calibration and repeatability) whereby WDXRF is used to quickly determine the chemical compositions of unknown samples.

The requirement for quick determination of elements in geological samples, which are typically composed of a wide range of elements, has been increasing in numerous industries and fields of study, including energy exploration, mining operations, environmental studies and human health research.

Proper analysis methods for such unknown samples require flexibility in addition to quickness. Semi-quantitative analysis in modern XRF instruments is a unique method that is performed without using any reference materials for the unknown sample analysis.

The pressed powder method is the most common technique for powder samples in XRF spectrometry. For the described analysis, a granitic rock was used as a demonstration sample. The well-dried samples were pressed under a pressure of 100 kN using a sample support ring made of aluminum.

The Rigaku ZSX Primus III+ WDXRF spectrometer was used for measurement. The ZSX Primus III+ is a floor-standing spectrometer designed to offer advantages in high spectral resolution and high sensitivity from light to heavy elements. Sequential scan analysis from fluorine to uranium was performed, followed by semi-quantitative analysis.

For this analysis, a fixed angle measurement was applied for each trace element. The fixed angle measurement is one of the unique functions of the Rigaku SQX program, a semi-quantitative analysis program used to obtain concentrations by theoretical calculation using the fundamental parameter (FP) method and an internal sensitivity library. Performing measurements with this function can significantly reduce statistical counting errors and improve precision for trace element analysis.

In the published report, SQX calculations with the Matching Library were applied to light elements from sodium to calcium. Significant errors are often produced in analyzed results of light elements in powder samples due to grain size and mineralogical effects. The results from the SQX analysis coincide with the reference values and show improvement for light elements. In general, geological samples are dominantly composed of light elements due to silicate minerals, so the “Matching Library” function is effective in correcting for these conditions and obtaining accurate results.

The results shown in the report were obtained on the ZSX Primus III+ spectrometer with a 3 kW X-ray tube. With a 4 kW X- ray tube, the ZSX Primus III+ can produce exceptional results in the determination of trace elements.

The report confirms that semi-quantitative analysis by the pressed powder method by WDXRF is powerful technique to quickly obtain chemical compositions of unknown samples. The standardless analysis program “SQX” is shown to be an effective tool for quickly identifying and quantifying elements, providing inexperienced users with easy-to-use operation.

A copy of this report may be requested at:

About Rigaku

Since its inception in Japan in 1951, Rigaku has been at the forefront of analytical and industrial instrumentation technology. Rigaku and its subsidiaries form a global group focused on life sciences and general purpose analytical instrumentation. With hundreds of major innovations to its credit, Rigaku and its subsidiary companies are world leaders in the fields of small molecule and protein crystallography, X-ray spectrometry and diffraction, X-ray optics, as well as semiconductor metrology. Rigaku employs over 1,100 people in the manufacture and support of its analytical equipment. Its products are in use in more than 70 countries – supporting research, development, and quality assurance activities. Throughout the world, Rigaku continuously promotes partnerships, dialog, and innovation within the global scientific and industrial community.

For further information, contact:

Laura Oelofse

Global Product Marketing Manager XRD

Rigaku Corporation