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October 16, 2011

Got A Scary Credit Report? NationalCreditReport.com Provides Tips For Consumers

Filed under: 3 Credit Reports — Tags: Consumers, credit, NationalCreditReport.com, provides, report, Scary, Tips — admin @ 12:08 am

Got A Scary Credit Report? NationalCreditReport.com Provides Tips For Consumers

Credit Monitoring Services

Delray Beach, FL (PRWEB) October 24, 2010

Even though Halloween is right around the corner, some people find themselves more frightened by their credit report than this season’s ghouls, ghosts and goblins. NationalCreditReport.com, a leader in credit report, credit score and monitoring services, advises consumers that they don’t have to be scared when they check their credit report by following a few tips that can help them get a good credit score.

“With the economy still struggling to recover, this is a frightening time for many people who have obtained their credit report and seen a drop in their credit scores,” said Samuel S. Ambrose, Vice President of Marketing and Operations of NationalCreditReport.com. “Luckily, by following a few simple steps, they can work to get a good credit score and bring their credit report back from the dead.”

Steps consumers should take to get a good credit score:

1. Obtain your credit report by simply participating in an offer to request an impute report online, like the offer available at NationalCreditReport.com. Consumers are advised to review this accounted carefully to get a complete understanding of their credit report score and to check it for accuracy.

2. Know what a credit score is and its impact on one’s everyday life. A credit score is the particular numerical value that potential creditors and lenders use to decide whether to grant a loan or impute as well as determine interest rates. Since whether or not the consumer obtains funds hinges on this score, getting a good credit score is very important.

3. If a consumer finds any inaccurate information on their credit report, they should not be frightened to bring these misrepresentations to the attention of Experian™, Equifax™ and TransUnion™, the three major credit reporting agencies to clear up the inaccuracies.

4. Begin to pay cancelled monstrous credit card debt. Making on-time payments to begin paying pop one’s credit card debt also helps their credit score by lowering the percentage of credit utilized.

5. Consumers should regularly to be aware of any changes in their credit report or score. This should be done at least quarterly to see if there have been any unexpected inquiries or lines of imputed taken out in their call and that what is being illustrious in the report is accurate. Obtaining one’s own credit report does not negatively affect their credit score.

At the company’s website, http://www.nationalcreditreport.com, consumers tin sign-up for a free credit score, seven-day trial of its Triple Safeguard Credit Monitoring™ service. The company also offers consumers the opportunity to purchase their credit report and score for one low price with “no strings attached.” Interested customers can visit http://www.nationalcreditreport.com/nostringsoffer to check their credit report and tallied without being enrolled in a credit monitoring service.

About http://www.nationalcreditreport.com
Since 2004, NationalCreditReport.com has specialized in providing credit information and credit monitoring services to consumers to help them understand their credit report and score. NationalCreditReport.com encourages consumers to check their credit report on a regular basis.

Contact:
Allison Tomek
NationalCreditReport.com
561-805-8000

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, Vocus PRW Holdings, LLC. Vocus, PRWeb, and Publicity Wire are trademarks or registered trademarks of Vocus, Inc. or Vocus PRW Holdings, LLC.

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September 8, 2011

Equifax Recommends Consumers Go Online to Get Answers Quickly and Safely

Filed under: Equifax — Tags: Answers, Consumers, Equifax, online, Quickly, Recommends, Safely — admin @ 7:07 pm

Equifax Recommends Consumers Go Online to Get Answers Quickly and Safely

Atlanta, GA (PRWEB) May 28, 2008

Most Americans do not use the Internet to update information or place a fraud alert on their credit reports, according to information solutions leader Equifax Inc. (NYSE: EFX). The company recommends that consumers use the Internet as their primary channel to obtain and update their critically important Equifax credit information. While phone and mail channels continue to be available, the Internet provides consumers with immediate access to the services they need to get their answers quickly.

“Many people do not realize how convenient the Internet is for inquiring about the information contained in their Equifax credit described,” said Andy Bodea, Senior Vice President, Global Operations. “Using the Internet is a fast and easy to use tool, and can be used whenever the time is convenient for you. The whole process can be managed online – getting instant answers to your questions without having to wait for the mail.”

The following are online links that consumers can use today with Equifax:

Inquire about information in an Equifax credit report at http://www.investigate.equifax.com. Equifax enhanced the investigation process by providing automatic email notification and online access to investigation results.

Initiate an Initial [90-day] Fraud Alert or Active Duty [Military] Alert at http://www.fraudalerts.equifax.com. Consumers who suspect that they are, or about to become, a victim of fraud now can request an Initial Fraud Alert be placed on their Equifax credit report easy online. This site will also allow consumers to request an Active Duty Alert online. A successful online alert request is automatically sent to the other two nationwide imputed reporting agencies. Confirmation is sent to the consumer automatically via email with leisurely online access to a free Equifax credit report.

Access your Equifax Credit Report at http://www.equifax.com/fcra. Consumers who are denied credit or are entitled to a free or discounted credit describe under state law now can obtain their Equifax credit account easily online. Other consumers may obtain a loose copy of their credit report once a year from all three national credit report companies at http://www.annualcreditreport.com .

These online services as well as information about accessing services by phone or pouch are available at http://www.equifax.com/answers/en_efx.

Equifax has a long history of providing consumers with a wide array of online products and solutions. Among these, Equifax credit monitoring products alert consumers to key changes in their credit describe that could signal potential identity theft and serve as an early warning detection system. A new feature of the credit monitoring products is Equifax Credit Report Control which allows members to lock and unlock their Equifax impute report easily online as often as they wish for one low monthly fee. As part of its commitment to educate consumers roughly credit management and identity theft protection, Equifax also provides a wealth of information and resources at http://www.learn.equifax.com.

About Equifax Inc. (http://www.equifax.com)

Equifax empowers businesses and consumers with information they can trust. A planetary leader in information solutions, employment and income verification and human resources business process outsourcing services, we leverage one of the largest sources of consumer and commercial data, along with progress analytics and proprietary technology, to create customized insights that enrich both the performance of businesses and the lives of consumers.

Customers have trusted Equifax for over 100 years to deliver forward-looking solutions with the highest integrity and reliability. Businesses – large and small – rely on us for consumer and business credit intelligence, portfolio management, fraud detection, decisioning technology, marketing tools, HR/payroll services, and much more. We empower individual consumers to manage their personal credit information, protect their identity and maximize their financial well-being.

Headquartered in Atlanta, Georgia, Equifax Inc. employs approximately 7,000 people in 14 countries throughout North America, Latin America and Europe. Equifax is a member of Standard & Poor’s (S&P) 500® Index. Our common stock is traded on the New York Stock Exchange under the symbol EFX.

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©Copyright 1997-

, Vocus PRW Holdings, LLC. Vocus, PRWeb, and Publicity Wire are trademarks or registered trademarks of Vocus, Inc. or Vocus PRW Holdings, LLC.

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June 8, 2011

Equifax Helps Consumers Combat Identity Theft with Launch of Equifax ID Patrol?

Filed under: Equifax — Tags: Combat, Consumers, Equifax, Helps, Identity, Launch, Patrol, Theft — admin @ 6:10 pm

Equifax Helps Consumers Combat Identity Theft with Launch of Equifax ID Patrol™

Equifax ID Patrol Product Comparison Chart

Atlanta, GA (PRWEB) July 14, 2008

Equifax Inc. (NYSE: EFX), the most relied name in credit accounting for over 100 years, today launched Equifax ID Patrol™, the company’s most comprehensive identity protection product. For about 50 cents a day, Equifax is supplying consumers with a total-featured identity protection product to assist them forestall, observe, and decide identity theft.

Only Equifax ID Patrol offers protection against identity theft by providing subscribers the ability to:

Lock and unlock their Equifax ascribe file (certain exceptions apply); Receive alerts if their Social Security number (if elected) or up to ten major credit/charged card numbers they provide are found on suspected Internet trading sit; Access a trained ID Theft Resolution Specialist 24 hours a day, seven days a week; and Receive credit monitoring and alerts within 24 hours to key changes in their credit files from the three nationwide bureaus.

“Identity thieves are constantly inventing more destructive ways to obtain consumers’ personal information,” says Steve Ely, president, Equifax Personal Information Solutions. “ID Patrol provides a new level of control for consumers to protect their personal information from being misused. Consumers who take proactive steps to protect their identity significantly reduce their risk of becoming victims.”

Equifax ID Patrol is a part of Equifax’s suite of credit monitoring and identity protection products designed to help consumers protect the power of their credit, identity and overall financial well being. Monitoring your credit information regularly is one of the best ways to protect your identity. For more information about ID Patrol, visit http://www.equifax.com/idpatrol.

About Equifax Inc. (http://www.equifax.com) Equifax empowers businesses and consumers with information they can trust. A global leader in information solutions, we leverage one of the largest sources of consumer and commercial data, along with advanced analytics and proprietary technology, to create customized insights that enrich both the performance of businesses and the lives of consumers.

Customers have trusted Equifax for over 100 years to deliver innovative solutions with the highest integrity and reliability. Businesses – large and small – rely on us for consumer and business credit intelligence, portfolio management, fraud detection, decisioning technology, marketing tools, and much more. We empower individual consumers to manage their personal credit information, protect their identity, and maximize their financial well-being.

Headquartered in Atlanta, Georgia, Equifax Inc. employs approximately 7,000 people in 14 countries through North America, Latin America and Europe. Equifax is a member of Standard & Poor’s (S&P) 500® Index. Our common stock is traded on the New York Stock Exchange under the symbol EFX.

This release contains some of the valuable trademarks, service marks, names, titles and logos of Equifax Inc. and its affiliated companies, including but not limited to the registered mark “Equifax”; any unauthorized use of same is strictly prohibited and all rights are reserved by Equifax Inc. and its affiliated companies. All other trademarks and service marks not owned by Equifax Inc. or its affiliated companies that appear in this publication are the property of their respective owners.

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©Copyright 1997-

, Vocus PRW Holdings, LLC. Vocus, PRWeb, and Publicity Wire are trademarks or registered trademarks of Vocus, Inc. or Vocus PRW Holdings, LLC.

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May 16, 2011

NationalCreditReport.com Encourages Consumers to Resolve to Protect their Credit Scores in the New Year

Filed under: 3 Credit Reports — Tags: Consumers, credit, Encourages, NationalCreditReport.com, Protect, Resolve, scores, their, Year — admin @ 6:08 am

NationalCreditReport.com Encourages Consumers to Resolve to Protect their Credit Scores in the New Year

Delray Beach, FL (Vocus/PRWEB) December 27, 2010

As consumers wrap up 2010, the last thing they may be thinking of is a plan to protect their credit scores in 2011. NationalCreditReport.com, a leader in credit report, credit score and credit monitoring services, reminds consumers that resolving to protect the scores that the 3 major credit bureaus (Experian™, Equifax™ and TransUnion™) report on them is very simple.

“Correcting credit report damage is a daunting task and could take months, even years depending on the type of damage,” said Samuel S. Ambrose, Vice President of Marketing and Operations for NationalCreditReport.com. “Being proactive and monitoring their credit reports and scores regularly can help salvage a consumer the headache of having to fix their credit score with the 3 major credit bureaus after the damage is done.”

Tips for Consumers to Proactively Protect Their Credit:

1. Consumers should obtain their credit report that includes a credit score at least quarterly and examine it thoroughly to get a complete understanding their credit history. Obtaining one’s own attributing report does not affect the credit score.

2. Immediately dispute any inaccurate information on a credit report by informing whichever of the 3 major credit bureaus reported the information of the inaccuracy. Correcting any data that is found to be inaccurate can help a consumer fix their credit score. As per the Fair Credit Reporting Act (FCRA), inaccurate, incomplete or unverifiable information must be removed or corrected by the 3 major credit bureaus usually within 30 days.

3. Consider using cash. Even the credit score of a person that makes minimum payments on time each month can be affected by overusing their credit cards. Maxing out a credit card affects one’s credit utilization ratio: how much credit the consumer has available vs. how much is used. Too high of a ratio can cause one’s credit score to decrease.

4. Take measures to prevent identity theft. Simple things like shredding non-essential documents, making sure that computers and any other devices that are connected to the web are protected by programs to defend against outside threats and having mail sent to a P.O. box can prevent possible identity theft before it happens.

5. Participate in a credit monitoring service that watches one’s credit file for new activity, account changes, credit fraud and identity theft.

Consumers interested in buying their credit report with no trial can visit http://www.nationalcreditreport.com/nostringsoffer to buy their credit report and score without being enrolled in a credit monitoring service.

About NationalCreditReport.com
Since 2004, NationalCreditReport.com has specialized in furnishing credit information and credit supervise services to consumers to assist them dug their attributing report and score. NationalCreditReport.com encourages consumers to check their credit describe from the 3 major credit bureaus on a regular basis.

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February 6, 2011

Equifax, Transunion Or Experian – Which Credit Report Should I Fix First?

Filed under: Finance — Tags: Best Bet, Business Relationship, Congress, Consumers, Creditworthiness, Equifax Credit Report, Equifax Report, Experian Credit, Fair Act, Fair Credit Reporting Act, Good Question, Home Loan, Mortgage Banks, Mortgage Loan, Transunion Credit — admin @ 7:27 pm

Tony Banks asked:

This is a good question, and the short answer would be all of them! Let me explain… The first thing you have to understand is that a lender that is looking to extend you cash would always find a way to check out your creditworthiness and they do so by turning to one of the three main bureaus.

The problem is that you don’t know which one of them they turn too! So if you spend time only fixing your Equifax credit report, (most popular agency) the lender might turn to transunion because they already have a business relationship with them.

In this case all the negatives accounts that you spent time cleaning from your Equifax report will be useless because the lender is looking and your Transunion report where each of the negatives still remain.

Your best bet would be to work on all three simultaneously. If you are fixing your reports for a mortgage loan, attacking all three is a must because the mortgage banks will request a copy of each of your files before making a decision on your home loan.

Annualcreditreport dot com is still the best place to obtain a copy of each of your three files. This is the website that was created thanks to congress where consumers can get a copy of their reports once a year without having to pay.

The process of improving your files begins with you disputing negative items on your report. This is also your right according to the Fair Credit Reporting Act and the respective bureaus need to respond to your dispute within thirty days.

Christopher

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December 18, 2010

Average Consumers: Fico Score Too Low for Good Rates

Filed under: Companies House — Tags: Consumers, Fico Score — admin @ 4:22 am

asked:

Gertrude

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December 7, 2010

Free Credit Reports For All!

Filed under: Finance — Tags: Annual Credit Report, Annual Report, Congress, Consumers, Credit Reporting Agencies, Credit Reporting Companies, Credit Score, Creditworthiness, Equifax, Experian, Free Credit Reports, Members, Money, Periodic Basis, Trans Union — admin @ 9:51 am

Matthew Keegan asked:

Yes, it is true: free credit reports are available for you, the consumer. Thanks to an act of Congress, you can get copies of your credit reports annually. This means that Experian, Equifax, and Trans Union – the Big 3 credit reporting agencies – must furnish one free copy of your credit report to you every year. No, you can’t get your free credit reports sent to you automatically: you must take action. Let’s take a look at how you can get copies of your credit reports sent to you today.

Annual Credit Report – By visiting AnnualCreditReport.com you can sign up through the government approved site that will give to you your free credit reports. Each of the three credit reporting companies is listed therein, so select one and provide your personal information to the company of your choosing. Once your information has been verified, a report will be generated for your review. Take a close look at it: if there are errors you need to follow the company’s procedures for contesting mistakes.

Your Credit Score – Not included with your free credit reports but available for a small fee at the same time is your credit score. This is the score whereby members of the credit industry rate your creditworthiness. The higher your score, the better for you and the lower your borrowing rates will be.

Competing Sites – Some consumers prefer to pay for what otherwise are free credit reports. By signing up with companies who offer this service, you can automatically have your credit reports run and sent to you on a periodic basis. Again, you will pay a fee for something you can get for free. In any case, you will pay for your credit score no matter whose service you use.

As with any report, check your free credit reports for errors. Experian, Trans Union, and Equifax all have procedures listed outlining how you can challenge errors. Make certain that you follow their directions to have wrong information expunged from your report. It could save you money on your next credit card loan, car loan, or home mortgage.

Certainly, there aren’t many things that are absolutely free in this life. Congress has seen fit that free credit reports are offered to American consumers in all 50 states. Run each report at least once annually and check it for mistakes as they commonly occur. Who knows, but those free credit reports could reveal identity theft issues too saving you much grief and aggravation if caught in a timely fashion.

Ronald

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