Category Archives: Credit Reports

Buying Credit Reports – Determining The Right Time To Purchase A Credit Report

Free credit reports are given to consumers according to Federal law…1 per year. Because it is a free service, you only get the bare minimum in the print out, and you do not normally acquire your credit score. If you are getting ready to purchase a home or repair your credit, then you want a paid credit report simply because it contains more detail and most vitally, your FICO score. Let me start out from the beginning…

A credit report is a seven to 10 year history of your lines of credit, payment historical past, court ordered judgments and debts that have gone into default. Your FICO score is a numerical worth that is assigned to your exclusive credit history, based on the info within the credit reports. While there are other credit scoring designs, the FICO score is the only one that matters. Typically, the only way to acquire your FICO score is by obtaining a paid credit report. If you are starting the credit repair process, the only way to accurately measure your success in repairing your credit is to acquire your FICO score just before you begin to restore your credit AND six months after you have corrected the errors on each credit report.

I have identified that is the finest place to get paid credit reports. They provide you the initial credit report and a 10-day free trial to their site. They charge a membership fee, on a month to month basis. During your association, you can evaluate your FICO score and full credit report as many times as you want. If you are fixing your credit, this enables you to immediately see what is being done to your credit report and how your FICO score is impacted.

While there are a lot of other sites, which supply purchased credit reports and FICO scores, they are not all the very same. Some will demand that you sign up for their services for a specific amount of time, say 12-twenty four months. Others will charge more for credit monitoring and other solutions that you may not desire to invest in. All you really will need is access to your full credit report and FICO score and that is it. You desire to be able to finish the service once you are satisfied that your credit score has gone up and your work is completed.

Be forewarned that there are some websites that are positioned offshore and NOT respected! They will in fact rob your individual information and use it to steal your identity. These websites will look respected and seem professionally set up, but that is the point, to acquire your trust!

If you want to acquire a purchased credit report and your FICO score go to It is that straightforward to get started on credit repair.

Jay Peters owns Zodiac Publishing, which put together the “Credit Repair Intelligence System”, giving you the answers to help you with your need for free credit reports. For additional free reports and videos with distribution rights please go to see their website for expert info on Credit Reports.

Better Avenues To Get Free Credit Reports

You know perfectly about the need for credit history. Now what’s bothering you can get an individual content associated with credit report which also in no-cost? Just how do you want to are able to obtain it? Well you’ll find nothing to handle a credit report. As a respective consumer working with credits, it’s somewhat a sort of birthright that you need to get a copy of no-cost credit history. Yes, what cannot take place is the fact that your credit file cannot walk-up for your requirements and state that it is yours. Anywhere near this much effort you’ll have to put to collect your own personal content of credit history.

Know the providing human anatomy

Credit reports are released according to the norms of this Fair credit scoring Act (FCRA). In supervision of FCRA there are three companies which are engaged in providing consumers’ reports or credit reports. You know all of them in an easy method as Equifax, Experian and TransUnion. These companies tend to be completely in charge of issuing free credit history but needless to say when in a-year to every individual or a business.

FCRA has also a more impressive manager looking into its matter. Actually FCRA encompasses of the foibles and are cared for when it comes to fair method of the consumers by the Federal Trade Commission (FTC). Therefore you can make out that the credit file is under topmost defense and you can access it when you really need to.

Apply using the internet or over telephone

You can get a free content of credit history only once you make an application for it through the ready principles. The 3 companies coping with consumer reporting have actually websites and toll free figures. There is certainly a specific application for requesting to provide you with an annual credit report inside their web pages. You’re going to have to fill that up with needed information and place it some of the organizations. As per the norms of the FCRA the application kind can also be delivered via post but only one time in an annual year through the above-mentioned businesses.

Need to inform precisely what

The must important information to give you without which you will not get individual copy of this credit file. Needless to say the info sought away from you begins with your title and your age detail. It is your address hence has to end up being the present one. Any modification made within the last year or two has to be discussed obviously when you look at the application. These are the basic principles.

Now you will need to provide certain secret identifications just like the personal safety number and one which you just know about. This 2nd information will soon be expected to you because of the organization that dilemmas the credit file and you’ll need to respond to correctly. It really is no huge price. What’s essential is you should keep a personal backup of credit history with correct revisions after every twelve months to guard your personal financial position when you look at the community.

Jason Uvios writes about on Better avenues getting no-cost credit file to visit :- credit history , no-cost credit file and free instant credit reports

John Oliver Discredits Credit Reports on Last Week Tonight (Video)

This week, Last Week Tonight tackled credit reports, or as John Oliver calls them, “the basis for the single most important three digit number in your whole life other than 311, the Beatles of rap-rock.”

Credit reports can affect many aspects of your life, including whether banks will lend you money or whether a landlord will rent you an apartment, and over half of employers used credit checks to vet employees.

There are a few major problem with that, though. First, 52% of all debt on credit reports is from medical expenses, which Oliver notes is unfair, as “no one chooses to be sick, with the possible exception of Julianne Moore taking a run at best actress.”

Perhaps more problematic is that a Federal Trade Commission study revealed that one in four credit reports has an error and one in 20 has a significant error, including wrongfully flagging people as terrorists or, perhaps worse, dead. These mistakes cost people housing and jobs and disputing errors is difficult, if not functionally impossible.

There is nothing new about the problem, either. Oliver showed news clips going back to the early ’90s all reporting the same story — that credit reports are riddled with errors. According to Oliver, the three major credit reporting agencies — TransUnion, Experian, and Equifax — are not working (or not working quickly enough) to resolve the problem. In fact, because of their reticence to correct the problem, Oliver believes the credit agencies are fine with a 95% success rate, that leaves 5% of their customers (or 10 million people, roughly the population of Sweden, Oliver notes) with erroneous credit reports that affect their lives and livelihoods.

To fight back, Oliver and his teams opened three fake businesses with names (and websites) that are “problematically similar” to those of the three major credit reporting agencies (warning: these websites contain adult content that some readers may find offensive) — Equifacks, Experianne, TramsOnion. He is certain that 95% of people who visit the sites will not be confused between Experian, the credit reporting agency, and Experianne, a website that whispers verses of Mein Kampf to babies. As the website says, “We are Experianne. Please do not mistake us for Experian. What they do is unforgivable.”

Understanding Credit 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.


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.

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

Twitter: (@Conslawgrp)
Google+: (+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.
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How to Start Getting Free Credit Reports Online

Due to the advances in net and technology generally speaking, you are able to currently avail of your free credit reports from numerous websites. This can be of much help particularly to individuals who want to check always their particular credit file more than once a year. The free annual credit reports through the government could simply be ordered once a year. During those other times, might must count on the services various on line credit rating agencies.

Almost all of the credit repot provides may 100% free. But the process of acquiring a totally free credit history online is the same-that means you would need reveal some private and private information for the are accountable to be produced. With this specific, you need to really simply take extra treatment choosing which websites and web solutions. If you should be maybe not cautious, you may get additional credit card fees without your knowing.

Apart from that, it’s also advisable to make sure website is safe. Understand that fraudsters and thieves tend to be every where. Subscribe and then internet sites that could guarantee obvious privacy policies once you sign up for no-cost solutions. Many, if you don’t all on the web credit history services would need you to contribute to credit tracking or identification theft recognition services aswell. Which may cost you. So, before you decide to join any on line services, you need to see to it that you understand most of the terms and issues need to do for your credit history free-of-charge.

Addititionally there is often an effort period for such credit scoring services online. The trial duration varies from seven to 30 days. Obviously, during this span of time, you can test the solutions which are cost-free. These types of services consist of credit monitoring and identification theft service. If you believe these work-out really, then there isn’t any problem continuing. But do think about that following the trial period, you’ll currently almost certainly be recharged. If you can’t afford the expenses, you ought to terminate the free credit history online solution ahead of the test ends up.

Once more, you can easily just cancel your registration for those who have totally look over and grasped the terms of service just before registered. Commonly, these types of online providers would require that you call to terminate registration. The charges vary across providers from 9 bucks to 40 bucks per month. Often, refunds are not given specially when you cancel after your bank card had been recharged.

In addition, on the web no-cost credit history providers could give credit file from a single regarding the three credit scoring companies. Some having said that, have the ability to provide their customers with credit history form all three credit recording bureaus. Nonetheless, with some energy you can nevertheless find on the web services from the credit reporting companies by themselves. Truly the only issue you might face with regards to availing for web no-cost credit report services is that after you have already completed a certain provide, you could no longer manage to take action two times. Simply because you might be limited from availing similar offers as time goes by.

Customers have free credit report from These types of online providers can give you an exact copy of credit report when you need to examine it before or once you have received the yearly reports from federal government. The reports are from the credit report bureaus so that you are guaranteed to have precise outcomes.