Posts tagged ‘Reports’

Understanding Credit Reports

In this informative webinar, viewers will learn what their credit score means, how to improve their credit scores, how to obtain a free copy of their credit reports, how to read Equifax, TransUnion and Experian credit reports, and how to dispute inaccurate information appearing on their credit reports.

ABOUT CONSUMER LAW GROUP:

Consumer Law Group, LLC, is one of the premier consumer-oriented law firms in Connecticut. We serve as advocates and champions for the rights of consumers. Our firm’s founder, Daniel Blinn, has practiced law for more than 25 years, and has earned a reputation as one of the state’s leading consumer advocates and educators. Together with associate attorney Hailey Gallant Rice and our highly efficient staff, we are recognized for our commitment to delivering the highest levels of representation and client service at each point in the legal process.

http://www.consumerlawgroup.com

Consumer Law Group,LLC
35 Cold Spring Road, Suite 512
Rocky Hill, Connecticut 06067

Facebook: http://www.facebook.com/ctconsumerlaw
Twitter: http://twitter.com/ConsLawGrp (@Conslawgrp)
Google+: http://plus.google.com/+consumerlawgroup (+consumerlawgroup)

DISCLAIMER: This video is for educational and general information purposes only. It should not be considered legal advice, and it does not create an attorney-client relationship.
Attorney Daniel S. Blinn is responsible for the contents of this video. ©Consumer Law Group, LLC 2014.
Video Rating: / 5

How to remove a late payment from your credit. Late Payments can harm your credit report for up to 7 years!

Learn how to remove lates from your credit, for good. Your Credit Score is the most important factor in your financial future. Your Credit is used when you apply for a loan, car, job, cell phone and even when you rent a car! So it’s important that you know the tips and tricks to improve your credit scores.

How to Remove Late Payments From Your Credit Report:

https://www.bettercreditguaranteed.com/how-to-remove-late-payment-from-credit/

1) Always check your Credit and Have a Credit Monitoring Account, here is the one that I personally use: http://bitly.com/CheckMyCredit

**It’s better to deal with Late Payments on your Credit Report sooner rather than later. The longer you wait to try and remove the late from your credit, the harder it will be. That’s why credit monitoring is so important.

2) Start by Calling the Bank or Creditor that is reporting your account late to the Credit bureaus – ask to speak with a manager and work with the manager to try and have the late payment removed. They are paid to say no, do just be persistent.

3) If the Manager says no on the phone, then you will want to write a Good Will Letter to the Creditor. You will ask them nicely to remove the late from your credit, don’t be aggressive or act like this is a dispute letter. This is where we are nice about it.

4) If the Good Will Letter Didn’t work, now it’s time to get Aggressive! I want you to dispute the account (in writing) with all three credit bureaus and directly with the original creditor.

*Why you should NEVER dispute Online: https://youtu.be/3jtNludKRlE

I hope this information was VERY helpful in your attempt to remove a late payment from your credit report!

Share and Enjoy

  • Facebook
  • Twitter
  • Delicious
  • LinkedIn
  • StumbleUpon
  • Add to favorites
  • Email
  • RSS

Dispute Suite Webinar: Credit Monitoring, Reports, Scores & Letters (5/13/15)

BLOG LINK: http://www.disputesuite.com/blog/weekly-webinar-credit-monitoring-reports-scores-letters
Website: DisputeSuite.Com
Phone Number: 727-842-9999

DisputeSuite’s Weekly Webinar (5/13/2015)

Be sure to check out this week’s DisputeSuite Weekly Webinar, as Rob Ellerman discusses credit monitoring, credit reports, credit scores and letters. Rob stresses the importance of communication and education with your clients, so they can understand the process and realities of their own scores and reports.
Video Rating: / 5

Share and Enjoy

  • Facebook
  • Twitter
  • Delicious
  • LinkedIn
  • StumbleUpon
  • Add to favorites
  • Email
  • RSS

Equifax Credit Dispute – three ways To Dispute Equifax Credit Reports

http://improveyourscore.org/equifax-credit-dispute/ Equifax Credit Dispute – this consists of mailing a letter to your Equifax credit rating organization or employing their on line form for processing disputes. The fcra offers 30 days for xxx to check into the Equifax dispute claim and started to a conclusion in the situation. You’ll next have the written outcomes and a totally free version of credit history if any modifications were made.
Movie Rating: / 5

Rick Smith covers his role at Equifax, their time at Purdue and advice for students and youthful grads.

Share and Enjoy

  • Facebook
  • Twitter
  • Delicious
  • LinkedIn
  • StumbleUpon
  • Add to favorites
  • Email
  • RSS

Credit Scores & Reports : What Is a Credit Bureau?

A credit bureau is a private company in the United States that tracks and records credit and financial data for individuals in order to give the information to different clients. View and dispute reports from credit bureaus with tips from a certified financial consultant in this free video on credit bureaus.

Expert: William Rae
Contact: www.hbwfl.com
Bio: William Rae has been licensed in the insurance and financial fields for more than 30 years.
Filmmaker: Christopher Rokosz

A short animation explaining the role of Al Etihad Credit Bureau (AECB) and how to obtain a credit report. The film is to be played in customer service areas and in other public settings and with and without audio

Share and Enjoy

  • Facebook
  • Twitter
  • Delicious
  • LinkedIn
  • StumbleUpon
  • Add to favorites
  • Email
  • RSS

Credit reports and credit scores

Monitor Amphitrite.
credit monitoring
Image by Mississippi Department of Archives and History
Collection: Painter (Milton McFarland, Sr.) Collection
Call Number: PI/1988.0006/Box 557 Folder 1
System ID: 97315.
Link to the catalog

From Monitor Amphitrite.

Please see our profile page for information on ordering.

Scanned as tiff in 2008/03/03 by MDAH.

Credit: Courtesy of the Mississippi Department of Archives and History.

Credit reports and credit scores
When you get your reports, check for inaccuracies; the bureaus are required to investigate and correct them once you report them. The bureaus may have different information about your credit history, which means your credit score can vary somewhat from …
Read more on CNNMoney

Community Shreds More Than 100 Pounds Of Paper In Light Of Government Hack
Also, keep your mailbox locked and consider paying for a credit monitoring service. "I know several people who have had their identityies stolen and I personally have had some potential breaches, and I'm just more concerned about it now than previously …
Read more on WHSV

Share and Enjoy

  • Facebook
  • Twitter
  • Delicious
  • LinkedIn
  • StumbleUpon
  • Add to favorites
  • Email
  • RSS

Cop Filed Fake Reports to Help Clean Up Customers' Credit History

Cop Filed Fake Reports to Help Clean Up Customers' Credit History
Rafael Duran, a 43-year veteran of the Miami-Dade Police Department, was indicted today on charges of conspiracy to commit wire fraud and other wire fraud offenses. The officer had partnered with a credit repair business and filed fake police reports …
Read more on Miami New Times

NACSO Applauds Injunction against Fraudulent Credit Repair Services
The National Association of Credit Services Organizations, NACSO, supports and applauds the Federal Trade Commission's complaint and injunction (Civil Action Number: CV15-01921-DDP-PJW filed in The Central District of California Federal Court) …
Read more on Virtual-Strategy Magazine (press release)

BestCreditRepairCompanys.com Releases New Survey About Important Factors
San Francisco, CA — (ReleaseWire) — 04/14/2015 — BestCreditRepairCompanys.com (BCRC) released a new survey about the most important factors potential clients look for in credit repair companies. The BCRC team released this survey to get a better …
Read more on Digital Journal

Share and Enjoy

  • Facebook
  • Twitter
  • Delicious
  • LinkedIn
  • StumbleUpon
  • Add to favorites
  • Email
  • RSS

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 AnnualCreditReport.com.

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.

Share and Enjoy

  • Facebook
  • Twitter
  • Delicious
  • LinkedIn
  • StumbleUpon
  • Add to favorites
  • Email
  • RSS

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 …
Read more on Boston Globe (subscription)

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

Share and Enjoy

  • Facebook
  • Twitter
  • Delicious
  • LinkedIn
  • StumbleUpon
  • Add to favorites
  • Email
  • RSS

Getting Free Credit Scores and Reports

In difficult economic times and with the credit market getting tighter and tighter, it is important to manage your credit and finances very carefully. One of the best ways to do this is to keep track of your credit rating. A key component is your credit score. You can get your free credit scores on line from many companies on line. You have to be careful when dealing with some companies because there is a distinction between your free credit report and your free credit scores. The credit report lists your creditors, payment history, status of your loans, and any derogatory reports from the companies who gave you credit. This report does not contain any scoring. You can obtain one free report per year from the federal government. Your credit scores are completely different. The scores are calculated by reporting agencies based on your credit report. These scores are available to any company you are asking for credit from. When evaluating where to get your financial information from, be careful to read closely as to whether the company is offering free reports or scores.

Another consideration regarding free scores is that your overall score is a combination of the scores from the three major credit bureaus: Experian, Trans Union, and Equifax. Most companies look at all three scores to come up with a composite of your overall credit worthiness. Many sites will offer a free credit report, but not free scores. Many times you will be given one score, but have to pay for the other two. They also increase the pressure on you to buy by emphasizing that bad information could appear on one credit report and not on others.   The slick marketing appeals could make your free reports actually quite expensive.

Another tactic that marketers use in the free credit reports game is to emphasize that information on your report can change at any time. They use this strategy to sell monthly memberships that keep track of any changes in your score. The problem is that most people’s scores do not change all that quickly. Only very financially active people are really in need of constant updates or even monthly ones. The average consumer would be fine checking once or twice a year. Although it is important to take control of your credit, the marketing technique is to promote paranoia. People feel that they leave themselves vulnerable to erroneous derogatory items if they aren’t constantly checking. In truth, mistakes are made by the credit bureaus, but they are relatively rare. 

The companies offering credit reports also tend to oversimplify the credit system. The score that you see for each bureau isn’t the end of what your credit can say about you. Many industries, such as the mortgage industry, weight the information pertaining to how well you pay your rent in relation to the rest of your history. This score is different than the general score you might see. This complex calculation could be the reson your overall score is okay, but you still get declined for a loan.

freecreditscore.com Make a Better Commercial Than We Did Contest:

You write ’em, we’ll shoot ’em. Well, not all of ’em, but one a week! What do you think of the suggested ending from the winners of Week 4 of “Make A Better …
Video Rating: 4 / 5

More Free Credit Score Articles

Share and Enjoy

  • Facebook
  • Twitter
  • Delicious
  • LinkedIn
  • StumbleUpon
  • Add to favorites
  • Email
  • RSS

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 AnnualCreditReport.com.

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.

Share and Enjoy

  • Facebook
  • Twitter
  • Delicious
  • LinkedIn
  • StumbleUpon
  • Add to favorites
  • Email
  • RSS