Bad Credit Services

Credit reporting agencies maintain electronic records of your credit activities. Today, there are three major national credit bureaus: Equifax, Experian and Trans Union. If you are planning on applying for a loan or credit anytime in the near future, it's a good idea to obtain a copy of your credit report.

For a fee, you can request a copy of your credit report at anytime by contacting one or more of the major credit agencies. Or you can receive a free copy of your credit report through one of the many credit companies available on the Internet. Our favorite source of information on credit reporting agencies on the Web is www.credit-report-credit-score.com

The Fair Credit Reporting Act was amended a few years ago to beef up consumer privacy. Under its rules, you are legally entitled to obtain your credit report from a credit reporting agency. This includes receiving a list of everyone that has requested your report.

If you have been denied credit based on information in your credit report (the creditor must provide a reason for denial), you have 60 days from the day you receive a denial notice to receive a free copy of the credit report. Additionally, the law also entitles you to receive a free credit report every 12 months if you are unemployed and seeking work within the next 60 days, are on welfare or if your report is inaccurate as a result of credit fraud.

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Bad Credit Credit Creditres About The Author

This article was written by Beth Pardue who has over 10 years of experience in the financial industry assisting clients with assorted financial needs. To learn more about credit reports or to get a free credit report online please visit: http://www.credit-report-credit-score.com

This Service is not intended to substitute for any free credit report or disclosure that any credit reporting agency or bureau is required by law to provide to you.

Bad Consolidation Credit Debt

Yes. FACTA (the Fair and Accurate Credit Transactions Act) lets consumers get one free credit report a year from each of the three national credit reporting companies. To obtain that free report, you must go to www.annualcreditreport.com. What is a 3 bureau credit report A 3 bureau credit report lists all of your credit from all three national credit reporting agencies (Experian, Equifax, and TransUnion). 1 credit reports or 3 agency credit reports.

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