March 29, 2011
March 28, 2011
What Are the Three Major Credit Bureaus?
Nataliya Yakushev asked:
The best way to manage your credit responsibly and take charge of your financial situation is to be informed. This takes a little time and effort on your part, but since your credit scores are so important to managing your finances and saving money, it’s your responsibility to know as much as you can about the credit bureaus that formulate credit ratings. To help you get a running start on that mission, here’s some information on TransUnion, Experian and Equifax, the main credit bureaus in the U.S.:
TransUnion
TransUnion has offices across the country that deal with different aspects of credit: credit management, identity theft, and other credit problems; and types of credit clients, such as personal, business, and press inquiries. If you find errors on your TransUnion credit report, you can call them at 800.916.8800 or visit their website to dispute them. If you think that you’re a victim of identity theft, call them at 800.680.7289 as soon as possible.
Experian
Like other credit bureaus, Experian offers a wide range of different services for people, businesses, and the media. Experian is based in Costa Mesa, CA, and has a website, but if you find errors on your report or need to report a possible identity theft, this credit bureau makes it hard to find phone numbers on the site. Instead, they encourage visitors to use online forms for disputes, identity theft reports, and other issues.
Equifax
Based in Atlanta, GA, Equifax also has different departments to assist people with different types of questions and concerns. Their website is also set up to have people use online forms to address errors, report identity theft, and handle other concerns. However, if someone thinks that his or her identity has been stolen, he or she can call 888.397.3742 to report it to Equifax. If someone spots an error on his or her Equifax credit report, that person must use the contact number on the report to dispute it. There is no number on the site to report errors.
These are the three credit bureaus in the country, and they each take a different approach to allowing people to contact them to ask questions or address any issues they may be experiencing. Instead of contacting the credit bureaus directly, many people prefer to use a credit monitoring service to help them manage their credit and stay on top of their finances. The credit bureaus all have similar programs, but most folks prefer to use an independent company to help them with these matters. That way, they get an impartial view of their credit score and many more tools to proactively manage and improve their credit ratings!
Karl
The best way to manage your credit responsibly and take charge of your financial situation is to be informed. This takes a little time and effort on your part, but since your credit scores are so important to managing your finances and saving money, it’s your responsibility to know as much as you can about the credit bureaus that formulate credit ratings. To help you get a running start on that mission, here’s some information on TransUnion, Experian and Equifax, the main credit bureaus in the U.S.:
TransUnion
TransUnion has offices across the country that deal with different aspects of credit: credit management, identity theft, and other credit problems; and types of credit clients, such as personal, business, and press inquiries. If you find errors on your TransUnion credit report, you can call them at 800.916.8800 or visit their website to dispute them. If you think that you’re a victim of identity theft, call them at 800.680.7289 as soon as possible.
Experian
Like other credit bureaus, Experian offers a wide range of different services for people, businesses, and the media. Experian is based in Costa Mesa, CA, and has a website, but if you find errors on your report or need to report a possible identity theft, this credit bureau makes it hard to find phone numbers on the site. Instead, they encourage visitors to use online forms for disputes, identity theft reports, and other issues.
Equifax
Based in Atlanta, GA, Equifax also has different departments to assist people with different types of questions and concerns. Their website is also set up to have people use online forms to address errors, report identity theft, and handle other concerns. However, if someone thinks that his or her identity has been stolen, he or she can call 888.397.3742 to report it to Equifax. If someone spots an error on his or her Equifax credit report, that person must use the contact number on the report to dispute it. There is no number on the site to report errors.
These are the three credit bureaus in the country, and they each take a different approach to allowing people to contact them to ask questions or address any issues they may be experiencing. Instead of contacting the credit bureaus directly, many people prefer to use a credit monitoring service to help them manage their credit and stay on top of their finances. The credit bureaus all have similar programs, but most folks prefer to use an independent company to help them with these matters. That way, they get an impartial view of their credit score and many more tools to proactively manage and improve their credit ratings!
Karl
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March 27, 2011
Credit Bureaus Phone Numbers – Experian, TransUnion, and Equifax
Hector Milla asked:
Most of your needs with a credit bureau can be done over the internet with their websites. However, if a problem arises with your report or certain information is not accepted by the site, you will need to make a phone call. It is a good idea to be able to find the phone numbers of each bureau quickly if you need them in order to get the matter settled as fast as possible.
Transunion 1-800-916-8800
TransUnion is one of the big three credit bureaus that allow for one free report every year. TransUnion was a pioneer in the field, although they were not the first established. TransUnion had the first online database and lead the way for online credit reporting. Now, most reporting is done online. TransUnion has had some troubles though, particularly with a high number of inaccuracies in reporting. One study showed that 79% of their reports had at least some form of inaccuracy. They also were sued for selling private information.
Equifax 1-800-685-1111
Equifax is the oldest of the three credit bureaus. It is also the most widely used. This means that people looking to repair their score will often work with Equifax first. They have had issues in the past when it came to privacy and giving out personal information. Because of this trouble, they have worked closely with government officials to make sure the current privacy laws are relevant and are working for the people.
Experian 1-888-397-3742
Experian is the only agency that does not use the FICO score to establish your credit score. Experian uses the PLUS system. The PLUS system uses the same factors as the FICO score. They weigh the factors a little differently and in a way that is more consumer friendly. They may be the easiest bureau to approach when attempting to fix your score because they are trying to get an accurate reflection of what is going on. Their major trouble with the law came when they tried to automatically enroll people who came for a free credit report to their paid monitoring service.
These three credit bureaus will give you one free credit report each year. There is a lot you can learn from these reports and everyone should take advantage of this great opportunity. For those trying desperately to raise their credit score, it might be a good idea to try out a paid monitoring service, at least for a few months. This way, you can see exactly which of your efforts are paying off and effecting your score. Even those with good credit would benefit from credit monitoring in order to catch fraud. Either way, be sure to get your free reports.
Jessica
Most of your needs with a credit bureau can be done over the internet with their websites. However, if a problem arises with your report or certain information is not accepted by the site, you will need to make a phone call. It is a good idea to be able to find the phone numbers of each bureau quickly if you need them in order to get the matter settled as fast as possible.
Transunion 1-800-916-8800
TransUnion is one of the big three credit bureaus that allow for one free report every year. TransUnion was a pioneer in the field, although they were not the first established. TransUnion had the first online database and lead the way for online credit reporting. Now, most reporting is done online. TransUnion has had some troubles though, particularly with a high number of inaccuracies in reporting. One study showed that 79% of their reports had at least some form of inaccuracy. They also were sued for selling private information.
Equifax 1-800-685-1111
Equifax is the oldest of the three credit bureaus. It is also the most widely used. This means that people looking to repair their score will often work with Equifax first. They have had issues in the past when it came to privacy and giving out personal information. Because of this trouble, they have worked closely with government officials to make sure the current privacy laws are relevant and are working for the people.
Experian 1-888-397-3742
Experian is the only agency that does not use the FICO score to establish your credit score. Experian uses the PLUS system. The PLUS system uses the same factors as the FICO score. They weigh the factors a little differently and in a way that is more consumer friendly. They may be the easiest bureau to approach when attempting to fix your score because they are trying to get an accurate reflection of what is going on. Their major trouble with the law came when they tried to automatically enroll people who came for a free credit report to their paid monitoring service.
These three credit bureaus will give you one free credit report each year. There is a lot you can learn from these reports and everyone should take advantage of this great opportunity. For those trying desperately to raise their credit score, it might be a good idea to try out a paid monitoring service, at least for a few months. This way, you can see exactly which of your efforts are paying off and effecting your score. Even those with good credit would benefit from credit monitoring in order to catch fraud. Either way, be sure to get your free reports.
Jessica
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March 25, 2011
March 24, 2011
March 20, 2011
How to correct errors on your credit report
garydn11234 asked:
In this short video, Attorney Gary Nitzkin will show you how to correct errors on your credit report. Guard it, love it and tend to it. Your credit will preserve your life style. More info at www.creditor-law.com or call 888-293-2882.
Samuel
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