Tags |
|
|
Links |
|
|
Other Added - Your Credit Report - The Most Helpful Article You'll Ever Read
One of the biggest worries about being on vacation when you have a high-volume eBay business is being able to run the business as usual during your absence. Earlier this year, covering eBay absences was a worry for us. We were gone several weeks to attend in-person seminars and on buying trips. Each trip resulted in a lot of frustration as we tried to continue managing auctions, corresponding with bidders, dealing with merchandise deliveries. We also had the knowledge that a huge pile of paid-for merchandise was awaiting shipment during our absence. The bottom line was that to achieve our goal to make money on
Step 5 - Follow up thoroughly.
The credit reporting company will investigate your claim within 30 days of receiving it. But why wait? I recommend contacting them after 10 business days, at least to make sure they've received your correction request. Follow up regularly after that. Don't allow your issue to "slip through the cracks."
Step 6 - Continue your education.
If you believe your credit report contains errors, educate yourself on the correction process. This article provides a good overview, but an important issue like credit deserves a more complete education.
Website
As a “Results Coach” to numerous business owners in a variety of fields, I am often puzzled as to what little or no effort goes into marketing. Businesses spend money on advertising methods such as billboards, signs, car signage, magazine and trade journal space, newspaper, mail drops etc… and yet every day I witness 100 mistakes for every element I see correctly implemented.You see, marketing is an absolute science. It has rules. If you break the rules you will either lose money or become ground breaking. As sexy and exciting as being a “Trailblazer” sounds, it often ends in disaster. The Golden Rul
If you can't answer these questions, you have some homework to do -- especially if you're planning to apply for a mortgage loan in the near future.
Here are some step-by-step instructions to help you obtain your credit reports, review them for accuracy, and correct any errors you come across.
Step 1 - Understand how your credit affects you.
When you apply for a home mortgage loan (or some other major purchase), you can be sure your credit will go under the microscope. Mortgage lenders will analyze your credit to find out what risk category you fall into.
When your credit score is high, your risk factor is low. In this scenario, you'll have a good chance of qualifying for a loan. But when the opposite is true -- low credit score and high risk factor -- you could have trouble obtaining a loan.
Credit reports are maintained by three credit reporting companies (sometimes called credit bureaus or agencies): Experian, Equifax and TransUnion. Your credit score is based on the information contained in these credit reports. Three agencies, three reports, three credit scores ... all about you!
Step 2 - Request copies of your credit report.
According to the Fair Credit Reporting Act (FCRA), you are entitled to one free credit report per year from each of the credit reporting companies -- Equifax, Experian, and TransUnion. To request your credit reports from all three companies, visit www.AnnualCreditReport.com, or call 1-877-322-8228.
If you request your report online, you should have access to it immediately. If you request your credit report through the toll-free number, it will be processed and mailed to you within 15 days.
Your credit report will not come with a credit score, so you'll need to purchase this separately. You can obtain your credit score by visiting www.MyFICO.com. This website is owned by Fair Isaac's, the organization that converts your credit reports into credit scores. Here's a quote from Fair Isaac's:
"FICO scores are your credit rating. Most lenders base approval on them. You have three FICO scores, one for each credit bureau, and you can only get all three from myFICO."
Step 3 - Review your credit reports for errors.
Examine your credit reports closely for any errors or inaccuracies. Make sure your personal information is correct and up to date. Check for loans or lines of credit that aren't yours, as this could be an indication of credit fraud. Anything at all that seems out of place, write it down for further investigation.
Step 4 - Start the correction process immediately.
Under the Fair Credit Reporting Act (FCRA), credit reporting companies are responsible for correcting inaccurate or incomplete information in your credit report. So don't hesitate to exercise your rights under this law.
If you only find errors on one report (for example, the one provided by Experian), you only need to contact the company associated with that report. Visit the company's website to find instructions on how to begin the correction process. By law, each credit reporting company must publish their correction requirements.
You can find these instructions on each company's website:
* www.experian.com
* www.transunion.com
* www.equifax.com
Tell the company in writing what information is inaccurate. File a copy of your initial request, as well as any subsequent communication (such as their response to you). Start a folder and label it with "credit report" to keep your documents together. Keep the folder secure, as it will obviously contain sensitive information.
Step 5 - Follow up thoroughly.
The credit reporting company will investigate your claim within 30 days of receiving it. But why wait? I recommend contacting them after 10 business days, at least to make sure they've received your correction request. Follow up regularly after that. Don't allow your issue to "slip through the cracks."
Step 6 - Continue your education.
If you believe your credit report contains errors, educate yourself on the correction process. This article provides a good overview, but an important issue like credit deserves a more complete education.
Websites
Last Minute Grant Proposal ImprovementsThere comes a point where you never want to look at your grant proposal again. You have spent weeks working on it and the fast-approaching submission deadline that once filled you with fear, now makes you elated. You are ready to send it off and take a long weekend. Not yet! Stay dedicated enough to make the following last minute improvements and set your application apart from those that were sent off in haste.1. Hide it from yourself. After reading the same proposal repeatedly, your eyes gloss over typos and your mind hears what you wanted to say -
Credit reports are maintained by three credit reporting companies (sometimes called credit bureaus or agencies): Experian, Equifax and TransUnion. Your credit score is based on the information contained in these credit reports. Three agencies, three reports, three credit scores ... all about you!
Step 2 - Request copies of your credit report.
According to the Fair Credit Reporting Act (FCRA), you are entitled to one free credit report per year from each of the credit reporting companies -- Equifax, Experian, and TransUnion. To request your credit reports from all three companies, visit www.AnnualCreditReport.com, or call 1-877-322-8228.
If you request your report online, you should have access to it immediately. If you request your credit report through the toll-free number, it will be processed and mailed to you within 15 days.
Your credit report will not come with a credit score, so you'll need to purchase this separately. You can obtain your credit score by visiting www.MyFICO.com. This website is owned by Fair Isaac's, the organization that converts your credit reports into credit scores. Here's a quote from Fair Isaac's:
"FICO scores are your credit rating. Most lenders base approval on them. You have three FICO scores, one for each credit bureau, and you can only get all three from myFICO."
Step 3 - Review your credit reports for errors.
Examine your credit reports closely for any errors or inaccuracies. Make sure your personal information is correct and up to date. Check for loans or lines of credit that aren't yours, as this could be an indication of credit fraud. Anything at all that seems out of place, write it down for further investigation.
Step 4 - Start the correction process immediately.
Under the Fair Credit Reporting Act (FCRA), credit reporting companies are responsible for correcting inaccurate or incomplete information in your credit report. So don't hesitate to exercise your rights under this law.
If you only find errors on one report (for example, the one provided by Experian), you only need to contact the company associated with that report. Visit the company's website to find instructions on how to begin the correction process. By law, each credit reporting company must publish their correction requirements.
You can find these instructions on each company's website:
* www.experian.com
* www.transunion.com
* www.equifax.com
Tell the company in writing what information is inaccurate. File a copy of your initial request, as well as any subsequent communication (such as their response to you). Start a folder and label it with "credit report" to keep your documents together. Keep the folder secure, as it will obviously contain sensitive information.
Step 5 - Follow up thoroughly.
The credit reporting company will investigate your claim within 30 days of receiving it. But why wait? I recommend contacting them after 10 business days, at least to make sure they've received your correction request. Follow up regularly after that. Don't allow your issue to "slip through the cracks."
Step 6 - Continue your education.
If you believe your credit report contains errors, educate yourself on the correction process. This article provides a good overview, but an important issue like credit deserves a more complete education.
Website
A friend who owns a dry cleaning store once said to me, "I have five key benefits for customers. How should I show them in an ad?"My reply: "Figure out the single biggest benefit or the one that appeals to most of your customers, and lead with that. Then, once you have the reader's attention, you can mention the other four benefits."What’s true for a dry cleaner’s ad is true for marketing communications in general. Every marcom piece -- whether it’s a brochure, web site, ad, case study, or e-mail blast -- must be written around a central theme. This theme is your top benefit or selling point. It’
Your credit report will not come with a credit score, so you'll need to purchase this separately. You can obtain your credit score by visiting www.MyFICO.com. This website is owned by Fair Isaac's, the organization that converts your credit reports into credit scores. Here's a quote from Fair Isaac's:
"FICO scores are your credit rating. Most lenders base approval on them. You have three FICO scores, one for each credit bureau, and you can only get all three from myFICO."
Step 3 - Review your credit reports for errors.
Examine your credit reports closely for any errors or inaccuracies. Make sure your personal information is correct and up to date. Check for loans or lines of credit that aren't yours, as this could be an indication of credit fraud. Anything at all that seems out of place, write it down for further investigation.
Step 4 - Start the correction process immediately.
Under the Fair Credit Reporting Act (FCRA), credit reporting companies are responsible for correcting inaccurate or incomplete information in your credit report. So don't hesitate to exercise your rights under this law.
If you only find errors on one report (for example, the one provided by Experian), you only need to contact the company associated with that report. Visit the company's website to find instructions on how to begin the correction process. By law, each credit reporting company must publish their correction requirements.
You can find these instructions on each company's website:
* www.experian.com
* www.transunion.com
* www.equifax.com
Tell the company in writing what information is inaccurate. File a copy of your initial request, as well as any subsequent communication (such as their response to you). Start a folder and label it with "credit report" to keep your documents together. Keep the folder secure, as it will obviously contain sensitive information.
Step 5 - Follow up thoroughly.
The credit reporting company will investigate your claim within 30 days of receiving it. But why wait? I recommend contacting them after 10 business days, at least to make sure they've received your correction request. Follow up regularly after that. Don't allow your issue to "slip through the cracks."
Step 6 - Continue your education.
If you believe your credit report contains errors, educate yourself on the correction process. This article provides a good overview, but an important issue like credit deserves a more complete education.
Website
There's a quiet revolution going on in corporate America. It's not coming exclusively from the top of the leadership pyramid, although more and more CEOs are leading the way. It also starts at mid-level and blossoms up and down the company structure, growing in power as the increases in profits and productivity prove it works.This revolution is a shift in the way we think about competition. This shift changes the way we work together and how we think of each other and our jobs. Instead of looking for ways to stop, hold back, or prevent something from happening, "positive competition" in the world lo
Step 4 - Start the correction process immediately.
Under the Fair Credit Reporting Act (FCRA), credit reporting companies are responsible for correcting inaccurate or incomplete information in your credit report. So don't hesitate to exercise your rights under this law.
If you only find errors on one report (for example, the one provided by Experian), you only need to contact the company associated with that report. Visit the company's website to find instructions on how to begin the correction process. By law, each credit reporting company must publish their correction requirements.
You can find these instructions on each company's website:
* www.experian.com
* www.transunion.com
* www.equifax.com
Tell the company in writing what information is inaccurate. File a copy of your initial request, as well as any subsequent communication (such as their response to you). Start a folder and label it with "credit report" to keep your documents together. Keep the folder secure, as it will obviously contain sensitive information.
Step 5 - Follow up thoroughly.
The credit reporting company will investigate your claim within 30 days of receiving it. But why wait? I recommend contacting them after 10 business days, at least to make sure they've received your correction request. Follow up regularly after that. Don't allow your issue to "slip through the cracks."
Step 6 - Continue your education.
If you believe your credit report contains errors, educate yourself on the correction process. This article provides a good overview, but an important issue like credit deserves a more complete education.
Website
Have you received at .docx file attachment in an email and wondered what the heck it was? Well those are okay to open, but you may not be able to read them in an older version of Microsoft Word. These are safe files and if you trust the sender you can open them just like any MS Word file.About the .docx files:My files are in the new 2007 Microsoft Word and those with tricky formatting may not be able to be read by someone with an old version of windows. So if I send them to you, well yes I figure that you might not be able to read them. I use the 2007 Microsoft Word Templates (th
Step 5 - Follow up thoroughly.
The credit reporting company will investigate your claim within 30 days of receiving it. But why wait? I recommend contacting them after 10 business days, at least to make sure they've received your correction request. Follow up regularly after that. Don't allow your issue to "slip through the cracks."
Step 6 - Continue your education.
If you believe your credit report contains errors, educate yourself on the correction process. This article provides a good overview, but an important issue like credit deserves a more complete education.
Websites worth a visit:
The FTC's Credit Center:
www.ftc.gov/bcp/conline/edcams/credit/index.html
Credit Advice from the Better Business Bureau:
www.bbb.org/Alerts/article.asp?ID=616
Credit Section of About.com:
www.credit.about.com
Credit Learning Center at Home Buying Institute:
http://www.homebuyinginstitute.com/credit.php
* Copyright 2006, Brandon Cornett. You may republish this article if you keep the byline and author's note, and also leave the hyperlink intact.
HTTP = HTML link (for blogs, profiles,phorums):
<a href="http://www.otheradded.com/article/91599/otheradded-Your-Credit-Report--The-Most-Helpful-Article-Youll-Ever-Read.html">Your Credit Report - The Most Helpful Article You'll Ever Read</a>
BB link (for phorums):
[url=http://www.otheradded.com/article/91599/otheradded-Your-Credit-Report--The-Most-Helpful-Article-Youll-Ever-Read.html]Your Credit Report - The Most Helpful Article You'll Ever Read[/url]
Related Articles:
The Fastest Way To Become An Expert
Bookmark it:
|