Credit Reports

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Tim Hawkins puts his own twist to the FreeCreditReport.com song.

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All five of the Free Credit Report Songs with their respective lyrics. Also my first REAL video!

RENAISSANCE FAIRE (NUMBER 6): http://www.youtube.com/watch?v=moDyq0VoUo0

I don’t own any of the songs or the lyrics… so let’s just consider it free advertising, eh?

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What if I told you there was a way you could solve all your bad credit problems overnight by creating a brand new credit file in 24hrs – would you be interested? And what if I told you this program was 100% legal and even backed by the federal government – would that sound too good to be true?

Well… you’re right. It is too good to be true but these types of ads are now surfacing again after the Federal Trade Commission launched “Operation New ID Bad Idea” over 8 years ago. This operation targeted (and took down) over 50 credit repair organizations and companies selling consumers both pamphlets and services giving them a brand new credit file under the pretense it was 100% legal and in some cases even claimed it to be a “government sponsored” program!

The con was simple. Companies would target consumers with bad credit and offer to create a brand new credit file for them by substituting an Employer Identification Number (EIN) for their Social Security Number (SSN) along with a new address. EIN’s were obtained from the Internal Revenue Service on behalf of the consumer. With the EIN and a new address the companies would either have the consumer apply for credit with the “new information” or the company would apply for them. When the creditor would run the application it would automatically create a new credit file because the computer would be unable to find the consumer in the database due to the new address and SSN.

While there is some dispute among privacy experts as to whether or not this is legal, the FTC’s actions at the time were not up for debate. Companies were advertising and luring in consumers in order to have them falsify credit applications by providing new information such as their address and SSN in order to obtain credit. This was a direct violation of the Truth in Lending Act (TILA) and worse yet, the companies were advertising to consumers that this was 100% legal and in some cases claiming it was a government sponsored program. As you’ll hear me say often “In reality, nothing could be further from the truth”.

Privacy experts will argue that using an EIN or 9 digit PIN (simply a made up number) in place of ones’ SSN is completely legal since creditors are on shaky ground asking for your SSN in the first place. In regards to the truth in lending act they will argue that one has to exhibit “an intent to defraud” a creditor. My question “Is concealing ones’ adverse credit history intent in itself?” While I am not an Attorney on the matter of credit law I can conclude that if a consumer was to create an alternate credit file using the EIN or PIN method they better be darn sure they never have a problem paying their bills. If they do, they most likely would find themselves in a courtroom with a case involving credit fraud. Which brings me to my next topic.

How To Create An Alternate

Credit File Legally

Most consumers are unaware that in addition to consumer Credit Reports, both Experian and Equifax own and operate business credit reporting services. By creating a business credit profile a consumer can now create an alternate credit file legally. While some creditors such as residential utility companies will not allow you to use business credit in place of personal credit, we have had numerous clients who have successfully used business credit to obtain credit cards, automotive leases and loans. This technique (although controversial) can be very effective when done properly.

The basics of building business credit involve 1.) Setting up the proper structure for your business (i.e. Corporation, LLC, etc.). 2.) Obtaining an EIN as well as a DUNS number (Dunn and Bradstreet). 3.) Borrow and/or buy products and services from vendors who reports to business credit reporting agencies such as Experian, Equifax and Dunn & Bradstreet. While building business credit requires time just like personal credit, don’t get discouraged. Remember, when you set out to begin building your business credit you are starting with a clean slate. This is when it becomes imperative that one learn from the mistakes of their past. Remember, in the credit world those who do not learn from their past are (inevitably) doomed to repeat it.

Jay Peters
http://www.articlesbase.com/credit-articles/find-out-the-truth-about-creating-an-alternate-credit-file-139193.html

The Atari commercial for Pole Position has got nothing on this.

Which is an achievement.

First four commercials complete with lyrics via annotations.

Other Commercials: Rockstar – http://www.youtube.com/watch?v=h4HHLxw1Vdw

Ren Faire – http://www.youtube.com/watch?v=Jgpc_NNA5uY

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Debt consolidation credit counseling might be just what the doctor ordered for you or not. If you are drowning and debt and don’t what to do a credit counselor may be able to help.

Debt Consolidation Credit Counseling is Not Hard to Do

Your first contact at a debt consolidation credit counseling agency is often a credit counselor. A good credit counselor will want to meet with you locally in person first. The counselor will provide you with customized education and what your option are before you need to make any choices. The primary service that most credit counseling agencies provide today are Debt Management Plans (DMP). With creditor approval a debtor submits a lump sum to their credit counselor as a key feature of a DMP.

Finding a Debt Consolidation Credit Counseling Agency

It is hard to find good debt consolidation credit counseling for several reasons today. Helpful places to start looking are the National Foundation for Credit Counseling (NFCA) and the Association of Independent Consumer Credit Counseling Agencies (AICCCA). You can find recommendations to follow up on by doing your own due diligence. Once you have a short list of credit counselors in your area use Google to search for positive and negative reports on each agency. Make sure they have a clean record with the local Better Business Bureau as well.

Beware Aggressive Debt Consolidation Credit Counseling

There are more scam debt consolidation credit counseling agencies today than ever before. Protect yourself by doing your homework before meeting with any counselors. Check out the debt consolidation credit counseling agency online and with the Better Business Bureau. Look out for upfront payment demands

Credit Reports and Debt Consolidation Credit Counseling

You are entitled to a free copy of your credit report from the three major bureaus annually. Get a copy and review it before you take on any debt consolidation credit counseling. After completing counseling or a DMP check your credit report again for any notes or improvements. Some positive benefits to your credit report could be the removal of delinquent payments or “re-aging” of your accounts by creditors. Lenders may take credit counseling as a plus or a minus depending on their bias to words lending.

Do I Need Debt Consolidation Credit Counseling Before I File For Bankruptcy

There have been some important changes to understand with the adoption of the Bankruptcy act of 2005. You must complete federally approved credit counseling at least six months in advance of filing for bankruptcy. So even if bankruptcy is your preferred choice of action a good understanding of credit counseling is still needed.

Debt consolidation credit counseling can help you to take care of business. Do your research and find a great credit counselor. Don’t procrastinate get on with it immediately.

Henna Youngman
http://www.articlesbase.com/debt-consolidation-articles/the-secret-of-debt-consolidation-credit-counseling-124929.html

Whenever somebody applies for credit or financing, his or her credit report will be pulled electronically from any of the three major consumer reporting agencies (CRA). These CRAs are Experian, Trans Union, or Equifax – companies that are responsible for maintaining correct and up-to-date credit information around the country. Everyone is probably aware that these three nationwide credit bureaus have to monitor billions of data records therefore it is not inevitable to find errors with the reports. A majority of consumers would have at least one omission or inaccurate detail on their credit report.

It is for this very reason that as a consumer, the responsibility of checking your own credit information falls on your shoulders. Make sure that you get a copy of your credit report from each of the three Credit Reporting Agencies. You should contact each credit bureau and ask for your free credit report (you are entitled to 1 free copy every year). If you have been denied credit within the past 60 days, you are also entitled to a free credit report.

Here is a list of each credit bureau. Make that call and start checking your credit info.

Equifax, P.O. Box 740241, Atlanta , GA 30374-0241;(800) 685-1111.
Experian(formerly TRW),P.O. Box 2002, Allen, TX 75013; (888) EXPERIAN (397-3742).
Trans Union , P.O. Box 1000 , Chester , PA 19022 ; (800) 916-8800.

Using The Internet To Obtain Your Credit Report

You can also use the internet to obtain your credit report. Many companies offer instant access to your credit report online and will offer you a free credit report if you try their credit monitoring service for 30 days. Credit monitoring services are a great way to keep track of your credit and stop potential identity thieves. As soon as you or someone else applies for credit using your name and social security number, these services will alert you via email. If you did not request this new credit you just need to log into your account and start the process of alerting the credit bureaus of potential fraud activity.

How is the information found on your credit report used

The credit information that is reported on your credit report will be used to evaluate you when you apply for credit, insurance, employment, and other purposes allowed by the Fair Credit Reporting Act (FCRA). Therefore it is crucial that you review your Credit Reports for accuracy from at least annually.

Why is it important to monitor your credit report

By monitoring your credit report you will save yourself a lot of problems or unpleasant surprises when you have to get that credit card or if you’re considering buying a home. You will also be aware of any potential problems that may stop the credit grantor from approving you for the credit you seek. Knowing exactly what a lender will see when they pull your credit will allow you either try to dispute the items and have them removed from your report or prepare explanations for the credit problems and discuss them with your potential lender BEFORE you apply for that line of credit.

What to do if you find inaccurate information

- Be meticulous in examining your credit information. If you see any discrepancies, verify them as soon as possible. The law says that the credit bureau should examine the matter within a reasonable amount of time, usually 30 days.

- Dispute inaccurate information your credit report. Some credit repair specialist suggests you dispute items one at a time. Some say do it all at once. I have had clients that have done both, and there was never any one way that was more successful then the other in our case. I truly believe it depends on the agent you get at the credit bureau.

- Write an ORIGINAL dispute letter. Don’t just copy a form you found online. If you found it, then so did potentially hundreds if not thousands of other people. The agents at the credit bureaus in the disputes area have probably seen any freely given online dispute letter hundreds if not thousands of times. They will not take your request as seriously as they should if you do this.

The credit bureau is required to investigate and if that item cannot be confirmed within a reasonable amount of time, that credit record must be removed from the credit file. They must provide you with a free copy of your corrected credit report. Send your dispute letter to the credit bureau via certified mail, return receipt requested. If you are using a credit monitoring system you can do this online. Just make sure they send your dispute to all 3 agencies. If the credit bureau completes its investigation and decides that the negative information should remain in your file, you can add a letter of explanation to your credit report to refute the claim.

Liz Roberts
http://www.articlesbase.com/finance-articles/how-to-prevent-errors-on-your-credit-report-111167.html

The Benefits are Amazing

The content of your credit report can have an enormous impact on the quality of your life. Your credit score will determine the cost of your mortgage, your automobile payments, and your credit cards. An improvement in your credit score could potentially save you thousands of dollars per year.

Overcoming Your Fear

It is normal to experience a degree of fear when the time comes to look at your credit report. Perhaps you have had some credit issues in the past. No one likes to be reminded of those times. I have spoken to thousands of people about their credit over the years. The majority of those people have felt some resistance to looking at their own reports. I understand! The credit bureaus can be intimidating. But like so many other things in life, once you get started it’s not so bad.

Getting Started

Reviewing, repairing, and maintaining your credit is not complicated. The key is to approach the project in an organized manner. You have three Credit Reports. They must each be examined in detail. Many people make the mistake of looking only for obvious derogatory information like late payments or collections. Every item on your credit report can have an impact on your credit score. You will be looking at everything. I suggest that you have a pen and paper nearby. You will also need to have your credit cards handy.

Step by Step

Everyone has his or her own way of organizing a task. You will develop a system of your own over time. Whatever works for you is fine as long as you cover all of the essential categories of information that can impact your credit scores. These essential categories are the account opening dates, current balances, high credit limits, and pay history. As you review these items keep any eye out for errors such as accounts that don’t belong to you, accounts referencing an incorrect Social Security number or address, and duplicate accounts.

The Essential Details

Account opening dates, current balance, and high credit limit need to be examined carefully. The FICO scoring formula places great importance on these items. Your account opening dates are used in the FICO formula to determine the age of your credit. The older the better. Simply look at your credit card. Most credit cards indicate the original opening date somewhere on the face of the card. The relationship between your current balance and your high credit limit has a major impact on your score. If you don’t know these numbers just call the toll free number on the back of your card. Please don’t ignore this step.

Write Down Every Single Error

Make notes. Credit repair is all about the details. Don’t let a thing slip by. And please don’t ever assume that the credit report is correct. If you find a discrepancy chances are that you are correct. Every one of the categories listed above can have an impact on your credit scores. No error should be ignored. You might think a small innocent looking error like a duplicate account will not have a negative impact as long as there are no late payments showing. You would be wrong. The extra account will overstate your debt and may very well factor into the FICO scoring method to your detriment.

Organizing Your Disputes

Each error that you find on your credit report will need to be disputed with the individual bureau that is reporting the item in question. Your credit report will come with instructions for submitting your dispute. You should follow those instructions carefully. And, whatever you do, keep it simple. It is important to limit your verbiage to the bare minimum. If you make the mistake of writing a nice letter to the credit bureau, as well meaning as you might be, your dispute is likely to be ignored. It does not sound friendly, but please try to understand that the credit bureaus have to process an amazing amount of mail.

Stay the Course

About thirty days after your initial disputes you will receive replies from the individual credit bureaus. It is not uncommon to get an unsatisfactory answer. They might respond by indicating that they contacted the creditor who verified the information to be correct. Don’t be discouraged. This initial response is built into the system. Simply send a second dispute telling the bureau that you are not satisfied with their response and that you would like them to provide documentation. It is very likely that you will get satisfaction on this second dispute. The credit repair process can take time, but with patience your efforts will produce real financial results as well as the satisfaction of knowing that you have done the right thing for yourself.

Copyright © 2007 James W. Kemish. All Content. All Rights Reserved.

Jim Kemish
http://www.articlesbase.com/credit-articles/credit-repair-made-easy-125388.html

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I actually started working on this back in August but I would always put off doing it.

Also, I might stop putting Youtube Poop in front of all my videos. I’m testing it out with this one.

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Credit Repair and the Power to Change

Today is a good day to make a fresh start. There are a million ways to freshen up your life, organize your finances, and start getting your credit into shape. It doesn’t matter what your credit looks like at the moment. If you start your credit repair effort today you will reach your goals before you know it. All you need to do is put one foot in front of the next. Let’s get started. It’s a new day.

Putting Everything in its Place

Take a moment to evaluate your situation. An organized life is the foundation of credit repair success. Get a nice clean pad of paper and a pen and list all of your obligations. If you are ready for a fresh start you need to leave the unmanageable financial stress behind you. What does your list of monthly obligations look like? Do you need everything on the list? What can you do without? Think about reducing your monthly expenses. Credit repair and budgetary balance go hand in hand.

Getting Organized

Cutting back on your expenses can be difficult. For many people it can be an emotional challenge. But if you are really sick and tired of straining to make ends meet you will find a way. There is great strength in facing the reality of your own life and living within your means. It’s time to think outside of the box. You might be surprised to discover how well things will work out.

Some Cool Life Changing Tips

Your biggest expenses are probably your rent and your car payment. How much rent do you pay? Have you checked out other apartments or houses in your area? The market has changed a lot in the last year. There are lots of great properties available these days at bargain prices. You may save a bundle and get a great new place. How about your car? Take a ride to the local dealer and ask what they can do to trade you into a lower payment. You might be surprised what a good auto finance person can do. You could save some real money and still be rolling in style.

Credit Repair Clean Up Time

Once you are comfortable with your monthly payments it’s time to clean up your Credit Reports. Credit repair rule number one, give yourself the benefit of the doubt. Don’t make the mistake of believing that because you see it in writing that it is true. Credit reports are notoriously inaccurate. If you see derogatory information on your credit report that is even remotely questionable you should challenge it. If you have doubts about the credit repair process call a credit repair professional.

Building New Credit for Your Future

Your credit scores are based on the positive and the negative. A good dose of credit repair can go a long way towards getting rid of derogatory information. But without positive credit you won’t reach your credit score goals. If you don’t have open accounts you should open at least two new credit cards. If you have trouble getting approved at the moment, open a couple of secured cards. You won’t be denied and they are great credit repair and score building tools.

Making Your Credit Work for You

Once your credit repair program is underway, the old negative information is falling off, and you have your new credit cards open, it’s time to work the system to insure that your credit scores are going the right direction, up. It’s easy. Here is the key. Keep those new cards active every month and keep the balances below twenty percent of the limit. Read that again, if you have a $500 limit, keep the balance under $100, that’s twenty percent of your limit. Watch the magic happen.

Credit Repair and Building Wealth

So, you’ve gotten your expenses down, your bills are all being paid on time, and your credit repair is paying off. Now it’s time to take the next step. It’s time to start saving. You’ve been writing checks and paying your creditors every month. Open a saving account and start paying yourself for a change. Set aside something just for you and start building wealth. This is the most empowering thing you can do. Savings gives you power and strikes the death blow against financial stress.

It’s a Great Day

Make today a great day. There is nothing better than putting your feet on the right path. Can you feel the relief just thinking about it? Organize your life, evaluate your obligations, streamline your expenses, and put your credit repair plan in to action. Your life will change right before your eyes. You can do it! Good luck!

Copyright © 2008 James W. Kemish. All Content. All Rights Reserved.

Jim Kemish
http://www.articlesbase.com/credit-articles/credit-repair-and-your-new-life-564339.html