http://geta-credit-report.com Wed, 26 Jan 2011 06:19:17 +0000 http://wordpress.org/?v=2.9 en hourly 1 http://geta-credit-report.com/360/credit-score/3-creative-ways-to-build-your-credit-score/ http://geta-credit-report.com/360/credit-score/3-creative-ways-to-build-your-credit-score/#comments Sun, 04 Jul 2010 07:05:21 +0000 Steven Greenwald http://geta-credit-report.com/360/credit-score/3-creative-ways-to-build-your-credit-score/ Become An Authorized User. With the FICO score formula being recalculated last month, becoming an authorized user on a parent or spouse’s credit card will once again help raise your credit score. In the beginning of this year FICO changed the way that they calculate credit scores.  After the change, being an authorized user on a credit card account no longer benefited you. The purpose of the change was to help stop companies that allowed you to pay to become an authorized user on someone else’s account to build your credit history. Many people felt that this was a dishonest way of adding positive trade lines to a credit report. Fico changed back the formula simply because the new equation was unfair to people who legitimately deserved to benefit from being an authorized user on a parent or spouses card. However, they say that the new formula will not help people who pay a stranger to be added. Get a Reloadable Credit Card With A Credit Reporting Service. If your credit is bad enough to the extent that you can no longer be approved for a credit card, it may be beneficial to look into a prepaid card. Most of them offer most of the benefits of a traditional credit card without the risk of getting yourself into some serious debt. Reloadable cards that offer a service to help build your credit, you pay a monthly fee (usually about $10) and they report to the credit bureaus about your on time payments. This puts an illusion of good credit on your reports because it shows that you are paying a credit card off in full and on time each month, but in reality you’re only paying a very small fee for this convenience.  Ask Your Current Creditors To Report Your Payment History To All Three Credit Bureaus.  Investigate every account that you have in good standing. Find out if the creditor is reporting that account to credit bureaus. If they aren’t, ask them in good faith to start reporting these accounts on your credit report. This will almost certainly boost your credit score if they are accounts that have always been in good standing. If they refuse to it might be a good idea to look into other companies that do report to credit bureaus. It will not benefit your credit score if you have a good account that’s not showing on your credit report. Usually a well placed threat that you are willing to open an account with a competitor will get them to comply. ]]> http://geta-credit-report.com/360/credit-score/3-creative-ways-to-build-your-credit-score/feed/ 0 http://geta-credit-report.com/333/credit-report/credit-repair-%e2%80%93-how-to-get-your-credit-reports-painlessly/ http://geta-credit-report.com/333/credit-report/credit-repair-%e2%80%93-how-to-get-your-credit-reports-painlessly/#comments Sat, 26 Jun 2010 12:44:26 +0000 Steven Greenwald http://geta-credit-report.com/333/credit-report/credit-repair-%e2%80%93-how-to-get-your-credit-reports-painlessly/ Credit Repair – It Takes Three to Tango
Get all three of your credit reports. There are a variety of ways to do this. In fact, as any one who has started a credit repair project knows, there are about a thousand ways to get your credit reports on the Internet. Everyone has his or her own favorite, so this is somewhat subjective, but you may want to try it my way.
It’s Free, but it’s Hard
Stay away from annualcreditreport.com. Annualcreditreport.com is the site set up by the three credit bureaus under the mandate of the Fair Credit Reporting Act (FCRA) for the purpose of providing free credit reports, one from each bureau, one time per 12-month period. Okay it’s free. But darn, it’s a pain in the butt. The site itself is a hub that directs you to each bureau in turn, so you will be making your effort in triplicate. Did I say effort?
Millions are stopped at the Security Blockade
Yes, folks, you will probably be sweating by the time you are done. And there is a pretty good chance you will not get all three reports. What? Right-o. You will have to face a series of security questions that may block you from your credit reports and delay your credit repair project until the obstructing bureau mails you a pass code. Credit repair is tough enough without the frustration that this site can impose. There is a better way.
Credit Repair Bucks Well Spent
Your credit repair effort is really important. Keep everything in perspective. If you have the fortitude, are comfortable on the computer, and feel up to the task, go ahead and get your reports from Annualcreditreport.com. Otherwise, if you are like me, and want to get the show on the road, just go to Truecredit.com and part with $14.95 for a one time tri-merged report.
Minimize the Credit Repair Pain
The process is quick the security is appropriate but manageable, and the report is easy to look at. And that may make a big difference as you get your credit repair job underway. But there is a trick. On the Truecredit.com site you need to find the light grey text that says, “You can also get your three bureau report, without the free scores”.
The Case of the Hidden Link
Just click on the underlined phrase, “without the free scores”. This line does not conform to web standards for a link and is almost hidden. You need to look hard. Oh, and once at the order page please deactivate the two pre-checked boxes that attempt to sell you nonsensical “Debt Analysis” and “Home and Auto Insurance Scores”.
My Credit Repair Money
I’ll let you draw your own conclusions about the accessibility of the link, but as far as I know this is the cheapest way to get a great tri-merged report without signing up for a monthly monitoring service, identity theft protection, and other costly extras that the credit bureaus want to sell. There is nothing particularly wrong with any of these extra features, so it’s up to you, but for my credit repair money, I like the simple path.
A Few Good Tips
Once you decide to take this path here are three pointers. You should jot these down. Your credit repair project will benefit. Here you go. One, make a note of your user name and password; you may want to log back in later. Two, look for the “printable copy” link. If you are going to print your reports this option is much better than a screen print. And lastly, notice the extra-info links offered in each account section. This info may be handy, so don’t overlook it.
The Credit Repair Lifeline
If all of this is daunting just call a credit repair professional. He will guide you through the process of getting your reports. And of course, once your reports are in hand a credit repair expert will provide all of the guidance you need to make sense out of the entire task. This is an important business! So if you find yourself intimidated, just call a pro. One way or the other, take action and you will succeed!
Copyright © 2008 Ian Webber. All Content. All Rights Reserved. ]]> http://geta-credit-report.com/333/credit-report/credit-repair-%e2%80%93-how-to-get-your-credit-reports-painlessly/feed/ 0 http://geta-credit-report.com/275/credit-report/free-credit-report-how-to-get-it/ http://geta-credit-report.com/275/credit-report/free-credit-report-how-to-get-it/#comments Thu, 27 May 2010 16:08:03 +0000 Steven Greenwald http://geta-credit-report.com/275/credit-report/free-credit-report-how-to-get-it/ You have the right to obtain one free credit report a year from each of the major credit reporting agencies: Equifax, Experian and TransUnion. Reviewing your free credit reports each year can be extremely beneficial when it comes to protecting and improving your credit standing. If you have not taken advantage of this free resource, you should do so immediately. ]]> http://geta-credit-report.com/275/credit-report/free-credit-report-how-to-get-it/feed/ 0 http://geta-credit-report.com/267/credit-report/how-to-get-rid-of-bad-information-on-your-credit-report-by-writing-letters/ http://geta-credit-report.com/267/credit-report/how-to-get-rid-of-bad-information-on-your-credit-report-by-writing-letters/#comments Sun, 23 May 2010 16:37:13 +0000 Steven Greenwald http://geta-credit-report.com/267/credit-report/how-to-get-rid-of-bad-information-on-your-credit-report-by-writing-letters/ Assuming you already have a copy of your annual credit report you may have already found some errors that should be removed. Errors should always be a big concern because they can and probably have affected your credit score, also called a FICO. You can repair your credit with a little bit of help. ]]> http://geta-credit-report.com/267/credit-report/how-to-get-rid-of-bad-information-on-your-credit-report-by-writing-letters/feed/ 0 http://geta-credit-report.com/261/credit/watch-out-for-certain-credit-repair-services/ http://geta-credit-report.com/261/credit/watch-out-for-certain-credit-repair-services/#comments Tue, 18 May 2010 05:27:33 +0000 Steven Greenwald http://geta-credit-report.com/261/credit/watch-out-for-certain-credit-repair-services/ Credit repair services claim to erase your bad credit and even create a new legit credit identity for you. While many companies do help to improve your credit rating with a financial strategy, there are many others waiting to take your money out of your pocket. ]]> http://geta-credit-report.com/261/credit/watch-out-for-certain-credit-repair-services/feed/ 0 http://geta-credit-report.com/228/credit/well-show-you-how-to-get-rid-of-the-credit-card-debt-for-good/ http://geta-credit-report.com/228/credit/well-show-you-how-to-get-rid-of-the-credit-card-debt-for-good/#comments Mon, 03 May 2010 19:14:35 +0000 Steven Greenwald http://geta-credit-report.com/228/credit/well-show-you-how-to-get-rid-of-the-credit-card-debt-for-good/ 4 Simple Ways to Deal with Credit Card Debt You already know a lot about credit cards. You’ve heard that consumer debt in this country-particularly credit-card debt-is at an all-time high, while our savings rate is lower than ever before.You realize that the boom in online shopping, with its absolute dependence on credit cards, is further fueling their use.You are well aware that running a balance on your plastic-and paying the unconscionable interest rates that come with it-is one of our most basic and widespread financial blunders.And you suspect that the sheer volume of direct-mail credit-card solicitations with low teaser rates must be devastating the forests of northern Idaho.Still, credit cards are a fact of 21st century life, and it only makes sense to understand how to use them wisely.While it’s probably impractical to keep all plastic out of your wallet, it is prudent to limit the number of cards you have, and, of course, to pay all balances in full every month.Indeed, having only a traditional American Express card, which doesn’t allow you to carry a balance, can be an excellent way to impose fiscal discipline on you and your family-although, as the Visa ads point out, not everyone accepts American Express.For the rest of us, who do occasionally dabble in credit-card debt,Here are a few ways to keep your habit under control.1. Take advantage of frequent-flier programs tied to credit cards, but keep in mind that interest payments on a high balance can quickly turn “free” flights into outrageously expensive ones. At a dollar per mile, running up a debt of 25,000 may get you a plane ticket, but it will also saddle you with $4,500 in yearly interest payments, assuming an 18% annual rate.2. Look very closely at credit-card offers before you bite. Obviously, most of those 2.99% and 3.99% rates will be in effect for only a few months.But there may be other catches as well. Making a late payment, even if it arrives only a day after it was due, may immediately trigger a permanent rate hike.Also, low initial rates sometimes apply only to transferred balances, and you could get charged a fee for making the transfer. Check, too, to see whether there is an annual fee, or charges for exceeding your credit limit or even for closing an account.3. Avoid amazing grace-period tricks. What you’re looking for is a provision that says you’ll never be charged interest as long as you pay your bill in full by the due date.But some cards have no grace period, calculating interest from the moment you make a purchase, while others give you only a limited time after making a charge before interest is imposed. That period of 20 days or so may end before your payment is due.http://yourbizwebsitesreviews.com/DebtRepair 4. Don’t forget to cancel cards you no longer use. If you don’t, they’ll show up on credit reports, and that could be a problem, particularly if you’re applying for a home mortgage.Your would-be lender may be reluctant to make a loan to someone who has a cumulative credit-card limit of $50,000, $100,000, or even more. ]]> http://geta-credit-report.com/228/credit/well-show-you-how-to-get-rid-of-the-credit-card-debt-for-good/feed/ 0 http://geta-credit-report.com/229/credit/4-myths-about-the-credit-bureaus/ http://geta-credit-report.com/229/credit/4-myths-about-the-credit-bureaus/#comments Thu, 29 Apr 2010 08:37:52 +0000 Steven Greenwald http://geta-credit-report.com/229/credit/4-myths-about-the-credit-bureaus/ They exert tremendous power over your life – and the lives of every other American adult who cares about their credit. But what do you actually know about the main three credit reporting agencies? Survey after survey suggests the average American knows very little about the credit bureaus other than that they control their credit reports – and as a consequence, their buying power. And that is how the credit bureaus want it, argues Dr. Randy Padawer, a clinical psychologist whose research into consumer credit has been featured in Smart Money Magazine and the bestselling FICO 850 seminar for The Motley Fool.”The three major credit bureaus truly want consumers to believe that they’ve each been blessed with an officially sanctioned franchise,” says Padawer, who has consulted for Lexington Law, a firm that helps consumers dispute errors and other questionable negative information from their credit reports.The fewer facts you know about the credit reporting agencies, the more difficult it will be to resolve a problem when one shows up on your credit report. And odds are an error will appear. Four out of every five credit reports contain errors, and approximately 25 contain errors serious enough to cause significant problems for consumers, according to research by the National Association of State Public Interest Research Groups.Here are some credit bureau misconceptions and the real facts behind each fiction:Fiction 1: There are only three “official” consumer reporting agencies.Fact: Many organizations are in the business of collecting, compiling and processing credit information.Fiction 2: The big three consumer reporting agencies are officially sanctioned by the federal government.Fact: “There are no official bureaus,” Padawer says. “While most Americans perceive their credit reports to have at least the same legal standing as their driving records, the truth is that the government had no role in establishing the for-profit companies which produce them.”Fiction 3: Equifax, Experian, and TransUnion all have the same credit information.Fact: Different creditors often report to different credit bureaus. In fact, there is no law that forces them to report to any of the big three bureaus. Consumer reporting agencies do not share information either, so if there is an error on your report from all three agencies, correcting it with just one of them does not mean it will automatically come off your other two reports .Fiction 4: Consumer reporting agencies will act promptly to help me rectify an error or delete inaccurate negative listings from my credit reports.Fact: Federal law requires all consumer reporting agencies to complete an investigation into a consumer complaint within 30 days. The bureau may decide the disputed item remains on the report as is, update but not delete the listing, remove the listing, or deem the dispute frivolous. Given that it is easiest to simply deem your complaint as frivolous, many consumers find that their legitimate disputes get dismissed.Increasingly, frustrated and fed up consumers are turning to credit correction professionals like Lexington Law to help them resolve credit report issues. Anyone who has disputed an item on a credit reports knows the process can be long, frusterating and perhaps without results. Involving a credit repair professional can achieve faster, better results. ]]> http://geta-credit-report.com/229/credit/4-myths-about-the-credit-bureaus/feed/ 0 http://geta-credit-report.com/222/free-credit-report/repairing-damaged-credit-scores-how-to-raise-your-score-120-points/ http://geta-credit-report.com/222/free-credit-report/repairing-damaged-credit-scores-how-to-raise-your-score-120-points/#comments Tue, 27 Apr 2010 13:09:03 +0000 Steven Greenwald http://geta-credit-report.com/222/free-credit-report/repairing-damaged-credit-scores-how-to-raise-your-score-120-points/ A bad credit score can affect so many different areas of a person’s life, and makes life far more difficult than if you had a good credit score. A bad credit score can lock you out of the best loans, best credit cards, best apartments, houses, and even jobs. Because of this, repairing a bad credit report is extremely important and should be taken on with all the strength and gusto that can be mustered. ]]> http://geta-credit-report.com/222/free-credit-report/repairing-damaged-credit-scores-how-to-raise-your-score-120-points/feed/ 0 http://geta-credit-report.com/121/credit/q-and-a-about-credit-and-credit-bureaus-2/ http://geta-credit-report.com/121/credit/q-and-a-about-credit-and-credit-bureaus-2/#comments Wed, 10 Mar 2010 17:53:59 +0000 Steven Greenwald http://geta-credit-report.com/121/credit/q-and-a-about-credit-and-credit-bureaus-2/ Consumers cannot repair credit score by themselves. This is actually not true. All the information that you need to erase bad credit from your bad credit file like the pros is easily accessible at online. You can also receive a free online credit report and find out your bad credit so that you can perform do it yourself credit repair.And you do not have to pay thousands to achieve a good credit score. ]]> http://geta-credit-report.com/121/credit/q-and-a-about-credit-and-credit-bureaus-2/feed/ 0 http://geta-credit-report.com/114/credit/credit-repair-tip-why-you-need-to-improve-your-credit-score/ http://geta-credit-report.com/114/credit/credit-repair-tip-why-you-need-to-improve-your-credit-score/#comments Sat, 06 Mar 2010 15:25:01 +0000 Steven Greenwald http://geta-credit-report.com/114/credit/credit-repair-tip-why-you-need-to-improve-your-credit-score/ Credit score is not just a number. It is a measure of your financial capability and healthiness. It can affect you everything from whether you qualify for a loan to the approval for an insurance application, up to whether an employer will hire you. If you do not have a good credit score, you must make a plan to improve it, else it can be costing your dearly. ]]> http://geta-credit-report.com/114/credit/credit-repair-tip-why-you-need-to-improve-your-credit-score/feed/ 0