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There
are several major credit bureaus in the United States, each of these
bureaus have acquired or created in house their own online
partners to provide consumers the ability to view their credit
reports online. Experian (formerly TRW) created CreditExpert.com
and recently acquired Consumerinfo.com. TransUnion, created
TrueCredit.com as well as created FreeCreditProfile.com These three bureaus provide nationwide
coverage of consumer credit information.
Credit
reports are being used for everything these days, including
mortgages, credit cards, insurance, and even employment decisions.
Your credit score can be the number one thing that causes a credit
company to say "yes" or "no" to your credit
application. Along with the credit report, lenders also review
your credit score which is based on the information in your credit
report. While a credit report can be considered your detailed
financial history, a credit score is an objective summary of that
information. It is also important to know what your score is.
Below
we have provided links to receive your credit report for free and
availability to get your credit score click on order
now to continue the easy online process:
| |
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| Trial |
30 days free |
| FREE products |
credit report,
credit monitoring, financial tools, ability to view credit score |
| Updates |
Daily
credit monitoring, unlimited credit report pulls, credit report
viewing does not affect your credit |
| Bureau |
Experian |
| Web Address |
www.consumerinfo.com |
| Product Name |
Credit
Check |
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About
Experian.com
Experian.com is a
leading online credit reference agency, providing critical
information to businesses, consumers and the public sector. For
businesses, Experian.com provides credit information, including
credit scores, that makes it faster and easier to approve and
market to the right customers. For consumers, Experian.com provides
the insight needed to help check and improve your credit rating
with lenders as well as protect identity theft and fraud.
What
is a credit bureau?
A credit bureau, or credit repository, is an entity that
gathers information about consumers' credit histories. Your credit
history includes information concerning your identity, your
payment habits, and your public record. Credit bureaus sell credit
reports to credit grantors, such as banks, finance companies, and
retailers. Credit grantors use credit reports to determine whether
or not a potential borrower is creditworthy.
How
do the credit bureaus obtain information?
Credit
bureaus obtain identification and credit information from credit
grantors, such as banks, retailers, and collection agencies. Bureaus
obtain monetary-related public record information directly from the
court systems.
How
long do the credit bureaus keep my credit information?
·
The
credit bureaus keep your personal credit history for a period of
approximately ten years.
·
Closed
or Inactive Accounts - 10 years from the date of last activity.
·
Derogatory
Accounts - 7 years from the date of original delinquency.
·
Public
Records - 7 years from the date of payment or indefinitely if the
Public Record is an unpaid tax lien.
Chapter
7 Bankruptcies - 10 years from date filed.
How
do I dispute inaccurate information on my credit report?
You have the right to dispute any misinformation on your
credit report. You should begin the dispute process by contacting the
creditor responsible for the inaccuracy. The contact information for
each of your creditors is listed at the end of your credit
report.
You
can also dispute inaccurate information directly with the credit
bureaus.
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