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Credit Reporting

Your credit report gets viewed by other people besides credit grantors. Potential employers and insurance companies can deny you employment, auto and home owner's insurance based on your credit report. Understand your rights protected by The Fair Credit Reporting Act.
Fact: Over 150 million Americans have credit report with the three major credit reporting agencies. Approximately 50 million of these credit reports contain errors, many of which are inaccurate. Do you know what’s on your credit report?
This summary of the Fair Credit Reporting Act will explain what you can legally do if you want to repair your own credit report. No matter what you hear, you can dispute credit information on your credit report if you understand the legal rights you have under this law.
The Fair Credit Reporting Act (FCRA) and the recent update to this law called the Fair and Accurate Credit Transactions Act (FACTA) protect consumers against inaccurate information being reported by credit bureaus and the privacy of that information. What does this mean to you?
Under the Fair Credit Reporting Act, you are entitled to ask for, and receive, a free copy of your government credit report once a year. The FCRA serves to promote accurate information, held in privacy, by consumer reporting companies
You should get a free credit report from the three reporting agencies each year. It is your right out of the Fair Debit Collection And Reporting Act to get a free report annually from the three main reporting agencies. These are TransUnion, Equifax and
Learn why negative marks stay on your credit report for seven years. Learn how to remove negative marks before seven years ticks away and some other helpful information about credit reporting.
What I find missing most often in wealth strategies is reporting. I find it amazing how so many people think they don't need reporting. Some think they will be so successful that they don't need a report to tell them that. Others think that reporting is just for their accountant to do their taxes. And, others think they aren't big enough to need reporting.
Find out how business credit cards can make your expense reporting so much easier with a broken down business credit card statement rather than collating receipts and submitting paper forms.
Thanks to the FACT(Fair and Accurate Credit Transactions) Act, all U.S. residents will be allowed one free credit report annually from each of the three major credit reporting agencies - Equifax, TransUnion, and Experian. This legislation makes it easy for you to keep an eye on your credit profile throughout the year easy as 1-2-3.
Make sure you know what your credit report will be before you go house shopping. If there are any mistakes you can get them cleaned up ahead of time.
Having negative credit can affect your entire life. Not only are banks, lenders and credit card issuers pulling your credit file, employers are now using credit history as a determinant in hiring. You may be timely with your rent, utility, cable, cell phone, child support and even daycare obligations. Now you have an alternative way to prove your creditworthiness.
A lot of credit reporting bureaus or agencies gathers information on the subject of the debtor’s credit history or files from reliable private and public sources.
Good credit for a commercial real estate investor usually means about twelve to fifteen “trade lines” of seasoned credit in a credit report, with several real estate loans either showing as active or having been paid off successfully.  Today, credit reporting systems use a complex method of evaluating credit patterns which is distilled into and issued as a “credit score.” 
A tri merge credit report gives you the complete picture of everything that is being reported to the three major credit reporting agencies about you and your credit habits.  It is a good idea to get a copy of your government free credit report and review it for accuracy.


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