Credit Reports

The Oxford PhD.

A longtime client asked us to check an existing young employee who was being promoted and transferred within the company.  This employee was required to update her vital info on an application form. On the form she indicated that she had a PhD in international human resources from Oxford University – THE Oxford in the UK. The employer thought that it was odd that she didn’t mention that when she applied for a $7 an hour ad sales job two years earlier.  The client asked us to check it out.

They faxed over the info and I took a look at the application and within a few seconds I knew that the applicant was lying.  I called the client and told them that I would save them the price of an international check, “I know she’s lying.” I said.  “How can you tell?” they asked. “Because she said that she attended Lady Margaret Hall (college) at Oxford and she spelled Margaret wrong. Anyone with a PhD from Oxford wouldn’t spell the name of the college wrong. Of course we went through the motions and called Oxford and we found that LMH doesn’t offer human resource degrees.  She should have picked another college at Oxford to lie about.  Think about this one.  She already had the promotion, and she still lied.

The Nanny From Uganda

This one happened just recently.  A woman from New York called and asked if we could do a criminal check on a man from Uganda that she was planning to hire as a nanny for her infant child. I asked her, “Why?”  She asked me what I meant by why?  I told her, “Why on earth would you hire someone from a place where there is no rule of law, where any criminal check I could obtain is not worth the paper it is written on and where this person is from a region of the world that is the home of AIDS. “What are you thinking?” I asked. I was being polite.  I really thought she was out of her mind.  Now, I know that what I said was not politically correct, but it is the truth.  She said, “Maybe you’re right.”  I got the feeling that I was the first sensible, practical person that she had spoken to on the subject. I should have charged her for the avuncular advice instead of the criminal check, but hey, I’m a nice guy.

The Pool Digger

A fellow from a local pool company ordered a check on an employee that he had already hired and put to work digging pools with a backhoe.  At the time, our office was in Temecula, California and the new employee was digging pools in Palm Springs which is about two hours away. It took a couple of days to get the hand searched records from Utah where the worker had previously lived and to our astonishment the employee was wanted for escaping from jail in a rural county in Utah. He was also a registered sex offender in Utah.  It is important to note that this happened in 1995 before we were using the internet.  Everything was done by phone and fax and was much slower.

I called the client right away with the big news. Now normally, we provide the information and it is the client’s responsibility to act on it. In this case I offered to figure out what the client should do with this “dangerous” employee. I asked an assistant of mine if her husband, who was a Riverside County Deputy Sheriff, could drive to Palm Springs and arrest him. We found out that it doesn’t work that way. They have to serve a warrant from the jurisdiction in Utah and that could take days.  I thought the deputy could get an “extra credit” or something for arresting a wanted bad guy.  I guess I watch too much TV.

I called the District Attorney’s office of that county in Utah, but there was no answer to my call.  I then called the Sheriff’s office in that county and talked to the Sheriff.  (Think Andy of Mayberry here.)  I told him that I called the DA’s office, but there was no answer.  He told me that they were all out fishing.  I asked him if he knew the pool digger and he said that he did.  I said, “Well come and get him. He’s in Palm Springs.  I’ll get the address for you.”  To which he replied, “We don’t want him.  If he’s in Palm Springs he ain’t bothering nobody here.” “You can’t do that,” I said.  “The hell I can’t,” he said.  He then proceeded to tell me that they were a small county and that the extradition would take a mountain of paperwork, (which he was not inclined to do) then they would have to send someone to California to pick-up the prisoner, haul his sorry a** back to Utah then the county would have to pay to keep him in jail for the next few years. In fact, he was doing the county a big favor and saving them a bundle of money by not getting him.

Meanwhile my client, the pool company, is in a panic. Remember that this is before we were on the internet.  I got directory assistance and found the Utah County’s only bail bondsman.  I called and asked if they were looking for this pool digger. They were. The bail bondsman in Utah asked for the address where the pool digger was working and said, “We’ll have some guys pick him up in about 2 hours.”

I can’t tell you how many times that the story above has been instructional to me.  It is the epitome of government vs. private sector.  Government moves glacially slow at great expense with mountains of paperwork, while the private sector gets the job done better, faster, cheaper.

The Wanted Murderer

We did a criminal check for a client that hired dozens of people per month. The client operated a call center and we quickly learned that for some reason telemarketers have a disproportionate amount of criminal records compared to the general population.  Imagine that.

The record came back for an applicant that we were checking and low and behold, the person was wanted in Los Angeles County for murder.  I called the client right away to inform her.  She said that it was odd that I called at that moment because he, the applicant, was waiting in the outer office to see her. She was truly afraid.

I called the police in her town and explained the situation and they told me to tell the client that it would take a while to process the warrant; that she should stall him and let him go home, thinking that he would start work in a couple of days and that they would arrest him at home over the weekend so as not to put anyone in danger at the client’s office. By the way; the police had to ask me for the man’s address so they could go and arrest him.

The Ballistic Nurse

This happened on the day of the bloody glove in the OJ Simpson trial, June 15, 1995, a day I will always remember.

We were background checking a nurse for a hospital in Southern California.  The LA County Superior Court sent us wrong criminal information on the criminal search. They did a name search, but did not cross check date of birth or Social Security number and reported that the subject of our criminal check was a drug dealing prostitute who had several arrests and convictions. We subsequently reported this wrong information to our client.  (FYI: this is the only documented case of my company making a mistake in a criminal history report.)  When the nurse applicant had her offer of employment rescinded she went ballistic. The client later told me that he was screaming, ranting, raving, cursing and threatening lawsuits on everyone.

We immediately reinvestigated the records and quickly found the error. Still, even though we were wrong, the client did not want to hire the nurse.  She had shown her “true colors” by ranting and raving and screaming. She had been escorted out by security and in no uncertain terms, they didn’t want her in the hospital ever again.  The client asked us if there wasn’t something else we could find to give them legal terms to rescind her offer of employment.  We dug a little deeper and found that she had in fact stretched her record of employment to cover a 90 day employment at another hospital where she was fired.  Because she lied by omission on her application the offer was rescinded.

Timbuktu

Let me say first off that I have always wanted to do a background check in Timbuktu just so that I could truthfully say that we have checked out people everywhere from Temecula to Timbuktu. This happened just a couple of weeks ago and prompted the writing of this article. A gentleman emailed and asked if we could check out a person and his company in Timbuktu, Mali in West Africa.

If you are not familiar with Timbuktu, it is a real place on the south west edge of the Sahara Desert and surely one of the most remote places on earth.  Think French Foreign Legion desert outpost with camel caravans passing through. I read somewhere that it recently boasted of 400 telephones and 2 internet lines. Wow!

I told the client that since we have never done anything in Mali that I would have to check and see what is available and how long it would take, etc.  I am one of the few experts in the USA on international background checks.  People contact me all the time asking how to get records from far away places.  When, even I can’t figure out how to get records from somewhere I call the local US embassy in that country. We can usually figure things out from there.

I can’t say anything more specific about this case, but I can say that we were surprisingly able to get quality information quickly and uncovered another West African internet scam involving gold dust and probably saved the client tens of thousands of dollars.

The Good Looker

One client ordered a criminal and a credit check on each new employee.  We did a check on a new employee and about a month later that employee called me and said that she was the new Human Resources Director.  She was going over the policies and procedures and wanted to ask me about background checks.  She asked me if doing a credit report was worth the cost and “What can you really tell from a credit report?”

I said, “Let me tell you about you.”  I was doing this purely by memory from her report a month earlier.  I said, “You are single, approximately 31 years old, you are a college graduate, you are from New England originally, you live in a rented condo, you drive a modestly priced Toyota or Nissan and you are single and good looking.”  She said, “Now wait a minute how can you tell all that?  I explained that most of it was educated guessing on my part, but I saw no spouse listed, I saw student loans, a SS# that started with 1, auto loans and  the numbers on her address told me that she lived in a condo.  “What about the good looking part?” she asked, “There’s no way you can tell that from a credit report.”  I said that I noticed that she had a credit card with a $1000 line of credit at Victoria’s Secret and I know that, as a rule, ugly women don’t shop there; therefore you must be good looking.

Kit Fremin
http://www.articlesbase.com/international-business-articles/unusual-background-checks-from-temecula-to-timbuktu-692938.html

Before applying for any loan you should always make sure you know your credit rating and are aware of the state of your current credit report. You are entitled to one free credit report per year. You can also get details of your credit score for a nominal fee.

So you bought a new car last year and got credit for 5 years at 8.9% interest. It isn’t that low is it? You can say that again, but at the time of your purchase your credit score was quite bad. But that was a year ago. You ran your credit report today and found out both your credit score and rating are now much higher. In fact they are now excellent. So having obtained such a good rating isn’t now the time to refinance? Why keep paying a loan with a high rate of interest when you can refinance and get a loan with a much lower rate of interest?

Before applying for a loan for the first time or when you are refinancing you should review your credit report. You can normally get a cheaper loan with a better credit score and rating. Review your credit report and search for any issues. If there are issues try to remedy them. Once you are taken the appropriate steps to improve your credit rating and score then check that they have worked by review your report again.

It is still possible to get credit even if you have been made bankrupt but timing is important. Once you have been discharged from bankruptcy get a copy of your credit report to check your bankruptcy has been properly discharged. You then need to wait for six months because you will not get a loan during this period. You should be careful not to apply for a loan during this period because it will probably be turned down and this fact could be noted on your credit report. You may also want to put a letter with your credit report to explain the circumstances of your bankruptcy which can improve your chances of getting finance. Finally, ensure your accounts are up to date and accurate.

If you are declined credit you should get a copy of your credit report. It may be the case that your report contains entries that are not accurate. It is possible to improve your credit rating by getting these inaccuracies removed from your report.

One of the problems with shopping around for credit is that multiple inquiries as to your credit score may actually reduce your credit rating. Getting quotes online may help because lenders will estimate rates and fees without looking at your credit report. You can then focus on the lenders who provided the best estimates and only now will they look at your credit report.

Shelley Green
http://www.articlesbase.com/non-fiction-articles/have-you-seen-your-credit-report-119346.html

Annual credit report offers the information about the credit history, payments made, credit worthiness and personal information. This report as the name suggests are an account for the above mentioned things for one complete financial year.

Credit is an important set of information to carry out financial transactions at every level in the market. Most of the capital invested in a business comes from credit. The credit lenders provide all the information of a borrower including the credit details to the credit bureaus which keep the track of all the transactions made. These agencies govern and formulate the reports for credit exchanges and fall under the federal law. These agencies are Equifax, Experian and TransUnion. Annual credit report is very important tool since it can be used as a reminder for your due credit payments. It is also source that can get you another credit, or loan or even job if it is a clear report.

On the basis of annual credit report the credit bureaus assign a credit score which helps getting further credits and even mark the market value of a person. A person should access this report because it can help in avoiding the inaccuracies in the account details and even can help reducing the threats like personal identification thefts. The annual Credit Reports are available online also and can be accessible easily from a number of sites that provide this facility free of cost.

Annual credit report can be a proficient tool for keeping a check on the credit payments. This tool can help us in getting further credit and loans. Annual credit report and credit score provide us a ground that marks our market credibility. By regularly checking this report one can avoid any legal action that can be taken against him. By checking this report you can protect your self to be highlighted under the defaulter category incase of non payments. It is an important tool which is available to you at just a mouse click. And it can help you in getting the upcoming opportunities.

Sophie Wilson
http://www.articlesbase.com/credit-articles/annual-credit-report-simple-way-to-check-your-credit-685360.html

I can contact any of the three credit organizations, Experian, etc but they don’t offer free credit score. How does somebody check a FREE Credit Score rating?

if you are looking for free credit score usa national site, check out this site

http://Free-Credit-Score-National.com

Here you can get your 3-in-1 free credit score and credit report

MORTGAGE LOANS Bad Credit Mortgage If you’re a first time home buyer, we offer a variety of loan programs to assist you in making your first time home purchase decision – even with bad credit problems or after bankruptcy. Bad Credit Home Equity Loan Our online application is the fastest and easiest way to apply for a home equity loan. We are dedicated to serving you with competitive rates and outstanding customer service – Regardless of Credit Problems we can get your home equity loan approved! Borrow up to 125% of your homes value and use the loan for any purpose. We offer low fixed interest rates. Bankruptcy or Bad Credit Problems, Ok! Complete our online application.Bad Credit Mortgage Refinance You can refinance your existing home mortgage to lower your interest rate, increase tax advantages, get a lower monthly payment, or simply get cash out for anything you need. Whatever your purpose, we have several mortgage refinance programs designed just for you – even with bad credit problems. Bad Credit 2nd Mortgage.Our goal is total customer satisfaction. Our business has been built through helping people with bad credit or bankruptcy get there second mortgages approved! Home Improvement Loan Whether you have bad credit or bankruptcy, we have a program to help get you’re Home Improvement Loan Approved! No Equity Required. We offer Special Home Improvement Loan Programs that are simple to get approved for. Have you been turned down form other loan companies? Completely Remodel your home or improve your Landscaping, Add a Swimming Pools & Spa, Need a New Roof? Time for a Deck, or New Carpet? You can do the work yourself or hire a contractor. Complete our online application. Manufactured Mobile Home Loans Want to buy a mobile home, but are afraid of being turned down for a loan because you have too much debt? We can help even if you have past bad credit problems or bankruptcy. With our manufactured mobile home loans, you may be able to get the money you need to buy a manufactured home and pay off debt! to learn more about this life changing offer, please visit our website at PrivateFastloans.com

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http://www.instablogs.com/
Brazilian economy booming in spite of global credit crunch

After a pause caused by the sudden crisis in the United States, the Brazilian real estate market should receive a new impetus because there are thousands of opportunities for investment in commercial, industrial and residential real estate. Only in Sao Paulo there are 755 buildings being constructed. Besides the fact that in recent years the return on these investments in Brazil overtook average of 26 0×1.911d00949d572p-875nnually, the fundamentals of the economy are very strong with inflation under control, lower interest rates and a surplus in government accounts. Of course,there may be a crisis in this sector in Brazil, but it would be for lack of investment, not because of credit problems, because the federal government has established lines of credit of billions to the builders and other business in real estate. The question is whether or not this pace will continue in the coming years.

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I’m the neighbor with the higher credit score

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All four of the freecreditreport.com ads in one video.

LYRICS:
Pirate:
They say a man should always dress for the job he wants.
So why am I dressed up like a pirate in this restaurant?
It’s all because some hackers stole my identity.
Now I’m in here every evening serving chowder and iced tea.
Should’ve gone to freecreditreport dot com. (Yeehaw).
I could’ve seen this coming at me like an atom bomb.
They monitor your credit and send you email alerts.
So you don’t end up selling fish to tourists in t shirts.

Dream Girl:
Well, I married my dream girl. I married my dream girl.
But she didn’t tell me her credit was bad.
So, now instead of living in a pleasant suburb. We’re living in the basement at her… mom and dad’s.
Now we can’t get a loan for a respectable home. Just because my girl defaulted on some old credit card.
If we’d gone to free creditreport.com I’d be a happy bachelor with a dog and a yard.

New Car:
Well I was shopping for a new car, which one’s me
A cool convertible or an SUV
Too bad I didn’t know my credit was whacked
’cause now I’m driving off the lot in a used subcompact
F-R-E-E 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
F-R-E-E that spells free,
credit report.com baby!

Bike:
Check it out
Gas prices
Blowing up sky high
Ditch my used sub-compack
For a 2 wheel drive
Now I’m rolling eco friendly
But I still look bad
When the bike store saw my credit
They said this is all they had
I’m singin’
F to the R to the E to the E to the C to the R to the E D I T
Re to port to the dot to the com
Come on everybody
grab your bike and sing along
its easy

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How do I get a credit score rating? Is it free?
Also, what is the best range for my credit score?

if you are looking for free credit score usa national site, check out this site

http://Free-Credit-Score-National.com

Here you can get your 3-in-1 free credit score and credit report

It tends to get difficult to exercise financial freedom, once you are tagged as a bad credit borrower. Not only you are perceived as risk prone, you are denied any sort of financial assistance. Besides, there are other needs that have to be taken care of. With a view to reduce the burden, lenders in the USA have come up with the provision of no credit check loans. Through these loans, one can derive the finances without any hesitation and that too at reasonable terms and conditions.

As the name suggests, no credit check loans are approved by the lenders without the need of checking their credit histories. Any applicant with problems related to bad credit due to arrears, defaults, late payments can freely avail this loan. The loans can be used to serve a number of purposes such as making home improvement, purchasing a vehicle, meeting wedding expenses, funding higher studies, vacation. Other than these, these loans can also be used to resolve the credit problems by consolidating the debts.

These loans are offered to the borrowers by categorizing it in to secured and unsecured form. Secured form of the loans is designed to offer bigger amount but that is possible only by pledging any valuable asset as collateral. Through these loans, one can derive a maximum amount of up to $100,000 for a period of 5- 30 years. As the loans are secured against an asset, the interest rate charged is comparatively low.

Unsecured form of the loans needs no such collateral pledging for its approval. A limited amount in the range of $1000-$25000 is released for a period of 2- 10 years. In the absence of collateral, the approval comes instantly but for that you have to pay a greater price in the form of its high interest rate. However, a proper research will certainly help you to get better deals.

The most appropriate way to derive no credit check loans is by using the online mode. Online application is swift and simple and easy to understand. On comparing the free rate quotes available online, it becomes easy for you to get hold of a better loan deal. Further on ensuring regular payment of the loan installments, you will be able to improve the credit score.

Summary
No credit check loans are mainly designed to assist individuals with credit problems. The loans are easy to access and are offered with fairly easy terms and conditions. With the aid of these loans, one can easily resolve the credit crisis.

Harris
http://www.articlesbase.com/loans-articles/no-credit-check-loans-access-hassle-free-funds-to-fix-credit-problems-679134.html