Archive for November, 2009
credit report? removing negative medical bills?
Eden asked:
Does anyone have ideas regarding removing negative medical bills on my credit report. I have disputed the information, information both the 3 credit agencies as well as the hospital in question that the bills are not mine. The hospital wants my personal information to research this, but I refuse to give them that because it is a violation of the patient confidentiality laws..but they still wont remove. on my Creport, it says “in dispute by consumer”, but aside from that it hasn’t changed over the past 3 years. I don’t even live in the state in which it is charged for. I heard you can get this stuff removed by disputing the way I did, because of the patient confidentialy laws, the hospitals cannot release personal information…
Please let me know your thought.. advice… and please reference your resources.
Thanks
WESLEY
Does anyone have ideas regarding removing negative medical bills on my credit report. I have disputed the information, information both the 3 credit agencies as well as the hospital in question that the bills are not mine. The hospital wants my personal information to research this, but I refuse to give them that because it is a violation of the patient confidentiality laws..but they still wont remove. on my Creport, it says “in dispute by consumer”, but aside from that it hasn’t changed over the past 3 years. I don’t even live in the state in which it is charged for. I heard you can get this stuff removed by disputing the way I did, because of the patient confidentialy laws, the hospitals cannot release personal information…
Please let me know your thought.. advice… and please reference your resources.
Thanks
WESLEY
Credit Report Service – are Free Credit Report Services Legitimate?
Tomas Loden asked:
Can you trust online credit report services? That is the question that consumers are asking today, especially with the hundreds of offers that flood your e-mail in-box promising accurate credit reporting scores with just the click of a mouse.
The good news is that most, if not all of these companies, are legitimate and do in fact provide you the necessary information that is directly related to your credit report and your overall score, which depends on whatever particular credit bureau system the company uses to check your background with.
Free credit report services
Just about every credit report organization will offer you some type of “free” background check of your credit score. While this free report may not entail every detail that you would like to know in terms of your debts, there is some valuable information that can be obtained. However, you should know that these introductory offers are merely just to give you a taste of their product so that you can upgrade to the paid credit reporting services they offer.
Is it safe to submit your personal information for a free credit report service?
If you stick with the most popular credit reporting agencies then you should have absolutely no problem worrying about your personal information being delivered over the Internet such as your Social Security number, driver’s license, etc. This information is typically handled by a secure server and there is little need to worry about the credit form being hacked and stolen by an unauthorized user.
What credit bureaus are checked when using a free credit report service?
Since there are three main credit bureaus that most agencies use to locate and filter your debts and credit score information, this free reporting service may use one of these entities or a combination of all three.
The three national credit reporting organizations used by most businesses is Experian, TransUnion, and Equifax.
Remember, the most accurate scoring for your credit and history can only be obtained by having a combination of all three major credit bureaus. In other words, let’s say for example you sign up with a free reporting service and the information comes back only partially accurate. This means that you would need to upgrade to the paid service in order to get 100% up-to-date credit information.
Is it possible to contact the three national credit reporting agencies on your own, instead of relying on a paid service?
While utilizing a credit reporting service is the most efficient way of compiling your information into one easy-to-read scoring system, you can in fact request your credit history from the three major national credit bureaus. Below is the contact information for Experian, TransUnion, and Equifax:
1. Experian: The phone number is 1-888-397-3742 and Experian will send you your report by mail within seven to ten business days.
2. TransUnion: The contact number for TransUnion is 1-800-916-8800 and in most cases you will receive your credit report within seven business days.
3. Equifax: The phone number is 1-800-685-1111. Equifax is faster than most services and usually sends your credit report out to you within 48 hours.
REX
Can you trust online credit report services? That is the question that consumers are asking today, especially with the hundreds of offers that flood your e-mail in-box promising accurate credit reporting scores with just the click of a mouse.
The good news is that most, if not all of these companies, are legitimate and do in fact provide you the necessary information that is directly related to your credit report and your overall score, which depends on whatever particular credit bureau system the company uses to check your background with.
Free credit report services
Just about every credit report organization will offer you some type of “free” background check of your credit score. While this free report may not entail every detail that you would like to know in terms of your debts, there is some valuable information that can be obtained. However, you should know that these introductory offers are merely just to give you a taste of their product so that you can upgrade to the paid credit reporting services they offer.
Is it safe to submit your personal information for a free credit report service?
If you stick with the most popular credit reporting agencies then you should have absolutely no problem worrying about your personal information being delivered over the Internet such as your Social Security number, driver’s license, etc. This information is typically handled by a secure server and there is little need to worry about the credit form being hacked and stolen by an unauthorized user.
What credit bureaus are checked when using a free credit report service?
Since there are three main credit bureaus that most agencies use to locate and filter your debts and credit score information, this free reporting service may use one of these entities or a combination of all three.
The three national credit reporting organizations used by most businesses is Experian, TransUnion, and Equifax.
Remember, the most accurate scoring for your credit and history can only be obtained by having a combination of all three major credit bureaus. In other words, let’s say for example you sign up with a free reporting service and the information comes back only partially accurate. This means that you would need to upgrade to the paid service in order to get 100% up-to-date credit information.
Is it possible to contact the three national credit reporting agencies on your own, instead of relying on a paid service?
While utilizing a credit reporting service is the most efficient way of compiling your information into one easy-to-read scoring system, you can in fact request your credit history from the three major national credit bureaus. Below is the contact information for Experian, TransUnion, and Equifax:
1. Experian: The phone number is 1-888-397-3742 and Experian will send you your report by mail within seven to ten business days.
2. TransUnion: The contact number for TransUnion is 1-800-916-8800 and in most cases you will receive your credit report within seven business days.
3. Equifax: The phone number is 1-800-685-1111. Equifax is faster than most services and usually sends your credit report out to you within 48 hours.
REX
FREE CREDIT REPORT: MAINTAIN YOUR FINANCES EFFECTIVELY
Michael Tummillo asked:
A good credit score is really important to entail external financial assistance in the form of loans for fulfilling important needs. A good score lowers interest rates on loans and vice versa. To entail any form of loan, all creditors will check your financial position so that they will get to know whether you capably return the loan or not. With the help of Free Annual Credit Report website you can easily avail free credit report and that too without any hassles. Your credit report is the document that records all your credit transactions for the full year. One might face difficulty in entailing a loan if he or she has bad credit score.
Before deciding to opt for nay loan for satisfying any need or paying off debts, you should be armed with your credit score and know what is in your credit report. So it is really vital to know how to avail a report. By law, the three major credit reporting agencies are required to provide consumers with a free copy of their annual credit report every year. The agencies are called Equifax, Experian, and TransUnion.
The report consist information of your credit, your payment history and debts if any. Presentation of report of all three agencies is different so it is suggested that you should take out free credit report from each one of them and then compare them effectively.
By looking at the information on your free credit report, however, you can get a good idea of what your numerical score might be by using online score calculators of Free Annual Credit Report website.
Now it is has become very easy to take out free annual report that tells your financial standing. It is important to keep your credit report good as it would help you for future borrowing.
VIRGIL
A good credit score is really important to entail external financial assistance in the form of loans for fulfilling important needs. A good score lowers interest rates on loans and vice versa. To entail any form of loan, all creditors will check your financial position so that they will get to know whether you capably return the loan or not. With the help of Free Annual Credit Report website you can easily avail free credit report and that too without any hassles. Your credit report is the document that records all your credit transactions for the full year. One might face difficulty in entailing a loan if he or she has bad credit score.
Before deciding to opt for nay loan for satisfying any need or paying off debts, you should be armed with your credit score and know what is in your credit report. So it is really vital to know how to avail a report. By law, the three major credit reporting agencies are required to provide consumers with a free copy of their annual credit report every year. The agencies are called Equifax, Experian, and TransUnion.
The report consist information of your credit, your payment history and debts if any. Presentation of report of all three agencies is different so it is suggested that you should take out free credit report from each one of them and then compare them effectively.
By looking at the information on your free credit report, however, you can get a good idea of what your numerical score might be by using online score calculators of Free Annual Credit Report website.
Now it is has become very easy to take out free annual report that tells your financial standing. It is important to keep your credit report good as it would help you for future borrowing.
VIRGIL
38 & Looking to Repair Credit Score (Personal and L.L.C.)?
Big Daddy asked:
I had some very old debt that has caused me to have a very low FICO (568).
I had some very old debt that has caused me to have a very low FICO (568).
SInce then have started my own business and want to get credit score all cleaned up.
2 Questions:
Have checks in hand to pay the less than $2K in bad credit reports. I assume the best way to proceed is to get a secure credit card with a bank.
1.) How long to get a near perfect credit score using the secure credit card and making double payments every month?
2.) How can I get a company credit card so that my business can begin to build credit? Secure card in the company name?
Cheers,
MICKEY
What can you do if you filled out your personal info to a fraudulent email?
syk asked:
My sis got an email, supposedly from her bank, asking for personal info. She filled it out, including her ssn. She later called the bank back and found out it was a fraud email. The bank then changed the account number. But now someone has her ssn. What could they do with the info? Is there anything she could do about it? Should she contact the credit reporting agencies?
REUBEN
My sis got an email, supposedly from her bank, asking for personal info. She filled it out, including her ssn. She later called the bank back and found out it was a fraud email. The bank then changed the account number. But now someone has her ssn. What could they do with the info? Is there anything she could do about it? Should she contact the credit reporting agencies?
REUBEN
How can I update my personal info with the credit bureaus?
Vanessa asked:
I just need to update the home address on my credit report.Every time I try to get my credit report or a credit card I have trouble or the process is prolonged because of the information not being updated.I’ve tried calling equifax,experian, and trans union but every time I call it just gives me a two options through the automated system either raise a red flag and fraud or get free credit reports.Should I write a letter if so how should I word it and what information should i disclose?Is there another phone number I over looked where I can speak to a live representative?Any info would be GREATLY appreciated thanks!
CRUZ
I just need to update the home address on my credit report.Every time I try to get my credit report or a credit card I have trouble or the process is prolonged because of the information not being updated.I’ve tried calling equifax,experian, and trans union but every time I call it just gives me a two options through the automated system either raise a red flag and fraud or get free credit reports.Should I write a letter if so how should I word it and what information should i disclose?Is there another phone number I over looked where I can speak to a live representative?Any info would be GREATLY appreciated thanks!
CRUZ