Free Credit Scores | Consumer Reports

You know your credit score is important and plenty of companies promise to give it to you free. Can you really get something for nothing? For additional reviews, tips, and recommendations check us out at http://www.ConsumerReports.org
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Credit reports: How to check yours free, what's in them and what do they affect

Credit reports: How to check yours free, what's in them and what do they affect
More than a million young people have been refused credit more than five times, figures from uSwitch show. Overall, one person in three has been told “no” when asking for credit, but a bad credit score can affect so much more than just getting a loan …
Read more on mirror.co.uk

The Zacks Analyst Blog Highlights: Citigroup, Bank of America and JPMorgan Chase
Citigroup, yet again, has been hit with a lawsuit by a collapsed hedge fund – Millennium Global Emerging Credit Fund Ltd. The news, first reported by Bloomberg, stated that the company has been accused of undervaluing assets when it closed out trades …
Read more on Nasdaq

Credit.com discerns numerous Americans are not concerned with credit reports
… Americans have taken action to get their free credit reports. The Consumer Financial Protection Bureau (CFPB) discovered that just 16 million Americans (8 percent of US adults with credit records) got their free credit report between the years of …
Read more on Examiner.com

Consider freezing credit reports before information is stolen

Consider freezing credit reports before information is stolen
The report contended that paid credit monitoring services, which typically cost from around $ 10 to $ 20 a month, are not worth the expense because consumers can essentially monitor their own reports free. Federal law requires each of the main credit …
Read more on Albuquerque Journal

What's A Good Credit Score & How Do You Get One?
You can get a free copy of your credit report once a year at AnnualCreditReport.com, the only authorized free credit report site run by the Federal Trade Commission. This site offers a separate annual credit report from each of the three credit …
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HOLIDAY SHOPPING
But before you pull out the plastic credit cards this year, you should take stock of your financial situation. That means getting a copy of your credit report to gauge your credit payment obligations before the holidays. Consumers can get an annual …
Read more on North American Press Syndicate

TransUnion Reports Third Quarter 2015 Results

TransUnion Reports Third Quarter 2015 Results
Total revenue was $ 389 million, an increase of 15 percent (18 percent on a local currency basis) compared with the third quarter of 2014. The net loss attributable to TransUnion was $ 4 million compared with a net loss attributable to TransUnion of $ 3 …
Read more on MarketWatch

TransUnion (NYSE:TRU) Had Its Price Objective Increased by Analysts at
In analysts note issued to clients and investors by Deutsche Bank on 28 October, TransUnion (NYSE:TRU) had its TP upped to $ 30.00. The firm right now has “Buy” rating on the stock. The target increase is welcomed by stock speculators, as NYSE:TRU is …
Read more on OctaFinance.com

TransUnion Rating Lowered to Hold at Zacks (TRU)
TransUnion logo TransUnion (NYSE:TRU) was downgraded by Zacks from a “buy” rating to a “hold” rating in a note issued to investors on Friday, Market Beat reports. According to Zacks, “TransUnion offers risk and information solutions primarily in the …
Read more on Voice Chronicle

Consumer Reports investigates fraud against seniors

Consumer Reports investigates fraud against seniors
JULIE, YOU'RE DIGGING INTO WHAT FAMILIES CAN DO TO NOT FALL VICTIM TO FRAUD. SCAM ARTISTS ARE TARGETING OLDER PEOPLE MORE THAN EVER, MAKING OFF WITH LARGE SUMS OF MONEY. IT'S A FRIGHTENING PHENOMENON …
Read more on WKMG Orlando

Georgians in the military to get information to protect them from consumer fraud
He made his comment Tuesday at a new conference during which he announced cooperation between the Consumer Protection Unit of his office and the U.S. Department of Defense's Consumer Financial Protection Bureau. The two organizations already …
Read more on Florida Times-Union

Berman DeValerio Investigates Volkswagen AG for Consumer Fraud
BOSTON–(BUSINESS WIRE)–The law firm of Berman DeValerio is investigating Volkswagen AG (“Volkswagen” or the “Company”) for possible consumer fraud in connection with allegations by Federal and State regulators that the Company rigged …
Read more on Business Wire (press release)

3 On Your Side: Secret Reports Tracking Your Financial Life

3 On Your Side: Secret Reports Tracking Your Financial Life
PHILADELPHIA (CBS) — We've all pretty much heard of credit reports, but did you know that there are dozens of other secret reports tracking your every move? With lenders, utilities, and other businesses monitoring your financial life. 3 On Your Side …
Read more on CBS Local

Npower's chaotic billing has left us with a £600-plus debt
To your credit, the company admits that you have been assiduous in keeping in touch and providing meter readings. It says it has written off over half the original charges and now suggests reducing the balance by a further third – leaving a debt of …
Read more on The Guardian

Where To Get Inexpensive Credit Reports

Where To Get Inexpensive Credit Reports
Many Folks Dont Realize That They Are Able To Get Inexpensive Credit Reports On-line As So As Get Them For No Cost By Simply Going To A Internet Site. Like Inside US You’ll Be Able To Get Three Joined Companies Who Joined Up And Their Internet Site Is At AnnualCreditReport.com.

Frequent Credit Report Aren’t Advisable Unless Of Course We Learn The Fraud And If We Could Get Definitely Applied The Freebie For The Year It Truly Is Usually A Great Idea We Enquire Type A Effective Company For Instance Experian, Equifax Or TransUnion. We Will Find Additionally Many Low-cost And Trusted Internet Sites Where We Can Get Credit History Reviews Which Additionally Includes The Credit Rating Scores.

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

Inexpensive Credit Reports Get 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 We Opened The Account, Particulars Of The Respective Loan And Simply How A Great Deal We Took.

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

If Necessary, We Can Lift The Account. However If It May So Happen We Can Always Create Really Easy 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 The Respective Inexpensive Credit Reports. It Really Is Wise To Bring Credit Score Cards And Cash However Leave The Societal Security Card If Probable And Provide It With We If Desired In A Transaction.

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

If We Find Any Mistakes In The Month-to-month Record We Must Sort Them A Single By One And Create Suitable Records Along With A Stick To Up To Create Sure Which They Get Been Rectified.

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Latest Credit Reports News

How To Scrub The Credit Report Clean Of Costly Errors
Errors could land about a report whenever creditors, banks or credit bureaus receive it incorrect. However, it's a responsibility to receive them fixed. “Credit reporting agencies don't have an obligation to correct anything about a credit report except we tell them …
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How to reverse damaging effects about a credit report
A bad mark about a credit report is damaging inside different methods. Along with causing difficulties for a ability to take out individual financing, including vehicle financing plus mortgages, it will possibly hurt a company. Should you are a sole trader, the …
Read more about Business Green (blog)

Credit Karma Then Has Free Weekly Credit Reports, Without A Catch
San Francisco based startup Credit Karma runs a webpage which assists customers monitor plus manage their financial wellness. Credit Karma has been providing access to free credit scores for a while, however, now it announced free weekly credit reports. At initial …
Read more about Forbes

Where To Build Cheap Credit Reports

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.

http://www.transunion.com/personal-credit/ask-audrey/late-payments-credit-report.page Paid off your credit card or other debt? Congratulations! But wondering…
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How You Should Repair Your Three Credit Reports

How You Should Repair Your Three Credit Reports

When you want to start fixing a bad credit file, you should bear in mind that anything that needs attention but is ignored can backfire and ruin the whole repair process. Just think of the fact that you have three versions of credit reports: Experian, Equifax and Transunion. Knowing that your file are three-fold, you should never ignore giving adequate and equal attention to all of them when fixing damages done to your rating.

The three bureaus operate independently in spite of the fact that they function for the same purpose which is to gather reports made by information furnishers of different banks and other lenders and translate it into your score.

When you begin fixing your file, pay attention to all three versions and look out for errors and negative accounts that may have slipped in either by your own making or as a result of an error from either the creditor or the reporting bureau.

What you’ll do once you have all the negatives figured out is to separate the wheat from the chaff. What this means is that you’ll give priority to the most recent of the negatives first because they have more damaging effect on your file. You want to pay attention to the most damaging accounts next. These are entries such as foreclosure, bankruptcy, repossession. You’ll follow that order until you get to the least damaging entry.

However, note that if you have an inquiry or collection that has just been entered into your report recently and you also have a foreclosure, you will be giving preferential attention to the inquiry or collection. This is because their effects will weigh-in on your score significantly compared to a foreclosure that is about 6 or 7 years old on your file whose effect has worn-off greatly.

Once you have the negatives figured out and have classified them according to the intensity of damage they can cause, you should begin fixing them immediately.

Use either a restoration kit if you can repair your own file or consult a repair agency.

How to: TransUnion Credit Monitoring Service Cancellation, Click by Click.
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Biz2Credit Small Business Lending Index for Nov. 2013 Reports Rebound in Loan Approval Rates at Banks and Other Lenders

Biz2Credit Small Business Lending Index for Nov. 2013 Reports Rebound in Loan Approval Rates at Banks and Other Lenders

New York, NY (PRWEB) December 11, 2013

Small business loan approvals at big banks ($ 10 billion+ in assets) increased to 17.4% in November 2013 from 14.3% in October, according to the Biz2Credit Small Business Lending Index, a monthly analysis of 1,000 loan applications on Biz2Credit.com. In a year-to-year comparison, lending approval rates at big banks have increased more than 30 percent.

“Big banks have begun to feel the pressure to lend more money with the Dodd-Frank reform charging nearing and we should expect to see more changes accordingly in the next year,” said Biz2Credit CEO, Rohit Arora, who oversaw the research.

Additionally, small business loan approvals at small banks increased from 44.3% in October to 49.7% in November. More importantly, approval rates at banks both big and small have returned to pre-government shutdown levels in September, as the IRS and SBA are catching up on the backlog of loan applications.

“The refinancing boom at big banks has waned, and their distribution strength will soon fade as branch networks are losing money. Big banks must begin to focus on improvements in other areas such as technology,” added Arora, one of the nation’s leading experts on small business finance. “It’s still puzzling why many banks and credit unions still do not offer online small business applications to streamline the process. This would benefit both the financial institutions and the loan applicants.”

Meanwhile, credit unions, which had been on the lending rebound prior to the government shutdown, also experienced a slight increase in approval rates in November. Approval rates at credit unions improved to 44.5%, from 43.4% in October, but they are still down nearly 10 percent in a year-to-year comparison.

Alternative lenders continue to thrive in small business lending. Approval rates by alternative lenders dropped slightly to 67.2% in November 2013, down from 67.3% the previous month.

“The popularity of alternative lending continues to increase as the desperation of small business owners to acquire capital becomes more urgent and because alternative lenders’ interest ratted have dropped considerably,” Arora explained. “The vast majority of alternative lenders are no longer ‘legalized loan sharks,’ as was frequently the case a few years ago. New players continue to enter the small business adding market.”

Arora anticipate that funding approval rates will climb in December and beyond as more pressure from Dodd-Frank is expected in the coming months.

To view the historic mapping of the Biz2Credit Small Business Lending Index, click here. http://www.biz2credit.com/small-business-lending-index/november-2013.html

About the Biz2Credit Small Business Lending Index
Biz2Credit analyzed loan requests ranging from $ 25,000 to $ 3 million from companies in business more than two years with an average credit score above 680. Unlike other appraised, the results are founded on primary data submitted by more than 1,000 small business owners who applying for funding on Biz2Credit’s online lending platform, which connects business borrowers with more than 1,200 lenders nationwide.

About Biz2Credit
Founded in 2007, Biz2Credit has arranged more than $ 1 billion in small business funding throughout the U.S. and is widely recognized as the #1 online credit resource for startup loans, lines of credit, equipment loans, working capital and other funding options. Using the latest technology, Biz2Credit matches borrowers to financial institutions based on each company’s unique profile — completed in less than four minutes — in a safe, efficient, price-transparent environment. Biz2Credit’s network consists of 1.6 million users, 1,200+ lenders, credit rating agencies such as D&B and Equifax, and small business service providers including CPAs and lawyers. Visit http://www.biz2credit.com, follow on Twitter @Biz2Credit, and Facebook at http://www.facebook.com/biz2credit.


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Related Equifax Press Releases

Biz2Credit Small Business Lending Index Reports Continued Improvement in Small Bank Loan Approvals in March 2013

Biz2Credit Small Business Lending Index Reports Continued Improvement in Small Bank Loan Approvals in March 2013

New York, NY (PRWEB) April 10, 2013

Small business loan approval rates increased for the fourth consecutive month at small banks, reaching an all-time index high of 50.8%, according to the Biz2Credit Small Business Lending Index, a monthly analysis of 1,000 loan applications on Biz2Credit.com. This rate marks an improvement from the 50.3% figure in February 2013 and the year-to-year comparison shows a significant increase from the March 2012 figure of 47.6%.

Meanwhile, small business loan approval rates at big banks ($ 10B+ in assets) decreased slightly in March 2013 to 15.7%, down from the 15.9% rate in February. Despite the drop at big banks last month, approvals by big banks are up 44% from the March 2012 figure of 10.9%.

“Small banks are decent increasingly aggressive in SBA lending, particularly through the SLA and SBA Express program loans,” said Biz2Credit CEO, Rohit Arora who oversaw the research. “While big banks have been steadily approving more applications in recent months, uncertainty in the economy is preventing higher rates of approval. Bigger banks are more wedged by extraneous issues, such as the budget Sequester.”

Credit union approvals of small business loans dropped for the tenth sequentially month to 45.5%, down from 45.9% in February. Approvals by imputed unions have dipped 21.4% in a year’s time. Further, small business loan approval rates are now at an all-time Biz2Credit Small Business Lending Index low for credit unions.

“Credit union lending has visibly lagged in recent months, despite its boom a year ago. As banks have returned to the small business credit market, the better qualified loan seekers are applying to banks for funding, thereby leaving credit unions with riskier candidates,” Arora explained. “For the credit unions to bounce back in small business lending, they must improve their technology and expedite the loan process. It also would be helpful if the government raised the credit unions’ member business lending cap (MBL) from 12.25% to 27.5% of total assets.”

Small business loan approvals by alternative lenders – accounts receivable financers, merchant cash advance lenders, Community Development Financial Institutions (CDFI), microlenders, and others –decreased slightly to 63.6% from the 63.7% rate recorded in February.

About the Biz2Credit Small Business Lending Index

Biz2Credit analyzed loan requests ranging from $ 25,000 to $ 3 million from companies in business more than two years with an average credit score above 680. Unlike other surveys, the results are based on primary data submitted by more than 1,000 small business owners who applied for funding on Biz2Credit’s online lending platform, which connects business borrowers with more than 1,100 lenders nationwide.

About Biz2Credit

Founded in 2007, Biz2Credit is a leading credit marketplace connecting small- and medium-sized businesses with lenders, service providers, and complementary business tools. The company matches borrowers to fiscal institutions grinded on each business’s unique profile — completed in less than 4 minutes — in a safe, efficient, price-transparent environment. Biz2Credit’s network consists of 1.6 million users, 1,100+ lenders, credit rating agencies such as D&B and Equifax, and small business served providers including CPAs and lawyers.

Having arranged $ 800 million in funding throughout the U.S., Biz2Credit is widely recognized as the #1 online credit resource for small business loans, lines of credit, equipment loans, working capital and other fund options. Visit http://www.biz2credit.com, follow on Twitter @Biz2Credit, and “Like Us” on Facebook at http://www.facebook.com/businessloan.


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, Vocus PRW Holdings, LLC. Vocus, PRWeb, and Publicity Wire are trademarks or registered trademarks of Vocus, Inc. or Vocus PRW Holdings, LLC.

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Yahoo CEO Marissa Mayer Shuns BlackBerry, The Washington Post Reports

Yahoo CEO Marissa Mayer Shuns BlackBerry, The Washington Post Reports

Funding Is Available

Santa Ana, CA (PRWEB) September 25, 2012

According to the Business Insider, as reported by the Washington Post, Yahoo CEO Marissa Mayer gave Yahoo employees a new smart phone “– as long as it’s an Apple iPhone 5, Samsung Galaxy S III, HTC One X, HTC EVO 4G LTE or a Nokia Lumia 920.” Noticeably absent from the list was BlackBerry. Mayer’s decision to omit RIM’s BlackBerry could very well have a direct effect on RIM’s success, as millions of users use Yahoo’s services. Mayer certainly isn’t the only powerful woman in the business industry, as several others make similar decisions within their business. In the recent blog post, “Resources for Aspiring Women Business Owners,” The Business Finance Store discusses how aspiring businesswomen can also succeed.

There are plenty resources for women to become the next Marissa Mayer, and all it takes is a bit of research. To learn more, visit The Business Finance Store Blog.

The Business Finance Store is a business financing and consulting firm that offers customized Business Financial Solutions. Seasoned professionals offer assistance in a variety of financial solutions to help small businesses succeed such as: Business Financial Solutions, Legal Solutions, and Accounting Solutions.

The staff at The Business Finance Store understands that starting and growing a business is an exciting time. They keep it exciting by taking care of some of the most difficult aspects, by providing legal advice, helping with vital responsibilities like accounting & bookkeeping, and by obtaining business finance. They can quickly and easily guide entrepreneurs through many different complicated processes and put them on the path to success.

For 10 years The Business Finance Store has been helping startups and other small businesses legally structure their companies, find the right franchises, get the funding they need, and achieve the American Dream of owning their own successful business. Since expanding nationwide in 2007, they have helped thousands of companies and have funded over $ 60 Million in business credit lines, not including SBA loans. The Business Finance Store sees limitless potential in the current climate, and looks forward to many strong years of growth to come. Take some time to review their services, and give them a call.

For more information, or a free, no-obligation analysis of your business needs, visit The Business Finance Store website: http://www.businessfinancestore.com. A member of their professional staff will contact you to discuss your business’ short and long-term goals. Whatever you need, The Business Finance Store is there.


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About Free Credit Reports From All 3 Bureaus

Basic Facts About Credit Reports

Article by Roger Peter

This oblige will give you a bird’s eye view of what credit reports are and some important factors that you should be aware of.

What are credit reports?

To put it in simple words a credit report is a record of all your borrowing and repaying history. It has data related to all your financial transactions, loans taken, credit card usage, repayment history, late payments and bankruptcy to name a few. So checking your credit account can give anyone a complete idea of how swell you manage your credit and if you are credit worthy. You can get more information about credit reports here.

What is the use of a credit report?

A credit report contains all information about your credit history. It can tell anyone if you are a responsible borrower or a reckless ane. A good credit history is reflected in your report with a higher credit score and vise versa. The information on your credit report can be highly useful to lenders are other financial institutions who can refer the reports to ensure they are giving a loan to the flop person. Generally lenders shy away from people having a poor credit score and they can give loans with lower interest rates to those with well scores. So in a way a credit report also acts as an external element forcing you to borrow responsibly.

Who records my credit history?

The recording split is done by three credit agencies namely Experian, Equifax and Transunion. Whenever you fill out an application for credit from a bank/financial institution the information is forwarded to all these three agencies. All these three agencies work separately and hence there are chances that your report will have slight differences with each agency.

What is a 3 in 1 credit report?

A 3 in 1 credit report is a reporting format that includes reports from all three credit agencies namely Experian, Equifax and Transunion. This is the better and simplest way to get access to your free credit reports from all 3 bureaus. In addition to the ease of information access a 3 in 1 report is cheaper and saves you a lot of time as good.

How often should I check my reports?

You can check your reports once every year but to be on the safer side it is always better to have a credit monitoring firm monitor changes to the reports on a regular basis. This will ensure that you stay clear of credit fraud. A monitoring steadfast will intimate you against any studied changes made to your credit report within 24 hours. This gives you a happen to check your credit account and ensure that those changes are valid and have not been made by unauthorized parties.

How tin I check my reports?

The easiest way to do this is to apply online. But ensure that you are applying through a trusted source. You get access to one free credit report every year which you can get from annualcreditreports.com. This is the only place where you should utilize to get your free credit repot

What if I have used my free credit report?

You get access to a free copy of your credit report every year which you can order from annualcreditreports.com. In-case you have used up your free credit report you can still get access to your credit reports through other agencies. You can either directly approach one of the credit agencies or apply through other companies that work for these agencies.

You can get your 3 credit eport for FREE every 12 months and there is no cost or membership. http is the government mandated website that allows all Americans a free set of credit reports. Get your free annual credit report now at no cost!
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Credit Reports May Get You A Pre-Approval

Credit Reports May Get You A Pre-Approval

Article by Frank Vanderlugt

Any clock you get a “pre-approval” offer for a credit card in the mail, some company has been judging your financial responsibility by looking at your credit report. Anytime you desire to get a loan for a house, car, or large expense, the bank or lending institution decides whether or not to give you a loan–and at what rate of engaging–by looking at your credit report.

Don’t let misinformation sway the decision of lenders or credit tease companies! Keep track of your credit reports! There are three nationwide consumer credit reporting companies: TransUnion, Equifax, and Experian. You are eligible to receive one free credit report from each of the three credit reports unions once every twelve months.

You may view your credit reports from all three of these credit unions at the same clock to compare any possible transgressions between them, but you may be best serve to wait and request credit reports from one of the three credit unions every four months to keep an eye on your credit report more frequently.

If you wait a full year to view your three free credit reports, you may miss the happen to catch a mistake on your credit report until it’s too late to inform the attributing bureau, damaging your credit score irrevocably. By spreading out your iii free annual credit reports across the duration of the year, you will play a more active role in supervising and verifying your credit report.

Some states also allow you to receive additional free ascribe reports. Check with your state government for an additional credit report if you live in Colorado, Georgia, Maine, Maryland, Massachusetts, New Jersey, or Vermont.

You also may purchase a copy of your credit score along with your free credit report if you so desire. Your credit score is the number between 350 and 850 determined by your credit report that decides your eligibility for loans and credit cards. It also affected your offered interest rate. The higher the credit score you have, the lower the interest rate and the more eligible you are for loans and credit cards.

Your credit report directly influences your credit score. Be certain to double check your three free credit reports against your bills and accounts. Be sure that your loans and credit tease accurately reflect the date opened, the credit limit, and whether you have paid on time or not for any given month. If any of your ascribe reports show an account that you never opened, report the error to the appropriate credit union immediately.

For your free copy of your credit report and a chance to purchase a copy of your credit score, see annualcreditreport.com. Sites such as freecreditreport.com and freecreditreportinstantly.com claim that you can have a free copy of your credit report through their Web site, but that usually involves applying for one of their services, at an am. Annualcreditreport.com is the official and completely free starting point to your three annual credit reports.

Although annualcreditreport.com is a safe way to view your three annual credit reports, you may request your credit reports by phone or mail if you don’t have frequent access to the Internet or you would feel more comfortable not inputting your personal information online. Call 1-877-322-8228 or print out the request form at annualcreditreport.com/cra/requestformfinal.pdf and follow the mail-in directions.

Monitoring your credit describe can help you avoid credit score fraud and disaster. Request a copy of your credit report once every four months! For a list of articles and links about credit reports and credit scores, see creditreports.com.

About the Author

frank j vanderlugt owns and operates http://www.creidt-reports-now.com 2 Creidtreportsnowcom

Use and distribution of this article is subject to our Publisher Guidelines whereby the original author’s information and copyright must be included.

The best song ever about free credit reports. Just look at the comments on this video for proof. *Thank you for all the comments and views! We didn’t know this would be such a hit! As of May 29 we have 91000 views!* ————————————– Well I was shopping for a new car, which one’s me A cool convertible or a SUV Too bad I didn’t know my credit was whacked ’cause now I’m driving off the lot in an used subcompact FREE that spells free credit report.com baby Saw their ads on my tv thought about goin’ but was too lazy Now instead of lookin’ flyin’ roling phat, my legs are stickin’ to the vinyl and my posse’s getting laughed at FREE that spells free, credit report.com baby! *Now don’t lie; you can’t say that’s not an awesome song. ——– Legal: – ErikETC is not affiliated with FreeCreditReport.com, or ConsumerInfo.com, Inc. in anyway. – ErikETC is not the sole creator of this video. Credit goes to ConsumerInfo.com, Inc. – This video was not posted for advertisement for freecreditreport.com. It has been posted for the content. – ErikETC takes no credit for this video.
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Penn State?s World Campus Reports 22 Percent Growth

Penn State’s World Campus Reports 22 Percent Growth

UNIVERSITY PARK, Pa. —

(PRWEB) June 08, 2012 — The number of students learning online through Penn State’s World Campus grew 22 percent, from 9,380 to 11,420, from academic year 2010–11 to 2011–12. Enrollments in online courses also increased 19 percent, from 39,219 to 46,693.

“Penn State’s enrollment growth in online programs is more than double the home average of 10 percent reported in the latest Sloan Consortium appraised,” said Wayne Smutz, executive director of Penn State World Campus and associate vice president for Academic Outreach. “Credit for this success is shared with Penn State’s academic colleges and campus partners. They collaborate with the World Campus to deliver their programs online.”

Established in 1998, the World Campus delivers more than 80 graduate, undergraduate and professional education programs online to students in every state and many countries worldwide.

The top five online academic programs are:

    Psychology (B.A. and B.S.), College of the Liberal Arts     Geographic information systems graduate programs, College of Earth and Mineral Sciences     Information sciences and technology undergraduate and graduate programs, College of Information Sciences and Technology     Intercollege MBA (iMBA), Smeal College of Business, Penn State Erie Black School of Business, Penn State Great Valley School of Graduate Professional Studies and Penn State Harrisburg School of Business Administration     Human resources and employment relations master’s degree, College of the Liberal Arts

Offering Penn State degrees and certificates online through the World Campus can be beneficial for students, because several programs include faculty members across multiple academic colleges and campuses. In the iMBA, for example, faculty members from four schools of business are educating students.

As Ashutosh Deshmukh, iMBA program chair and professor of accounting and MIS at the Penn State Erie Black School of Business, explains, the program has many advantages: “Only the graduate faculty members who are effective teachers and have strong publication records teach in the program. The iMBA also offers the Penn State brand name, AACSB accreditation, a program with a specific mission and vision, and a strong practical component to the education.”

Another component helping to increase online enrollments is the World Campus’ coordinated national advertising/marketing campaign and redesign of the website, which since last July have resulted in nearly 1.8 million website visits; more than 53,500 requests for information (RFIs) about academic programs, including 6,200 RFIs from the mobile website; and a 19 percent increase in mobile site traffic.

Visit http://www.worldcampus.psu.edu/ to learn more about Penn State’s online programs.

Penn State World Campus specializes in adult online education, delivering more than 80 of Penn State’s most highly regarded graduate, undergraduate and professional education programs through convenient online formats. World Campus is part of Penn State Outreach, which serves more than 5 million people each year, in all 67 Pennsylvania counties, all 50 states and more than 100 countries worldwide.


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