Maintain your old Siemens Hipath system

Its Your Credit - Take Care of It!

Thanks to the Fair and Accurate Credit Act, American consumers can receive a free annual credit report from each of the three major credit bureaus-Experian, TransUnion and Equifax. You can order your free credit report by visiting www.annualcreditreport.com or calling 1-877-322-8228.

Monitoring your credit report regularly will ensure that you can clear up any incorrect information and prevent identity theft. It is recommended that consumers review their credit reports at least once a year. Being that consumers are now eligible to receive three free credit reports a year, you can actually keep track of your credit report year round by ordering one report at a time every four months. If you are ordering your credit report because you are going to make a large purchase-for example a house or a car-and you want to know where your credit stands, then it is recommended to order all three reports and compare them at least three months before you intend to apply for the loan. Each credit report might contain slightly different information so your credit score could vary by as much 100 points from one report to the next. If you are simply monitoring your credit report to prevent identity theft and other fraudulent activities, then ordering one at a time may be enough.

Reviewing your report

Once you receive your credit report, set aside some time to review it carefully. Eighty percent of credit reports contain errors, and a quarter of those are serious-late payments that do not belong to you, debt that is not yours, or accounts that you did not open. If you do not take the time to correct these mistakes, they can seriously affect your ability to acquire favorable credit terms in the future.

There are four main categories you need to review in your credit report: personal information, account history, public records and credit inquiries.

1. Personal Information

Information contained:
- Full name
- Social security number
- Date of birth
- Current and previous addresses
- Current and previous employers.

Check this information closely and make sure that it is all correct. Common mistakes occur among family members with similar names who reside in the same address. Variations of your name are ok as long as you have previously applied for credit using the variations. Incorrect information can result in another person's accounts reported on your credit report.

2. Account History

Information contained:
- Home loans
- Auto loans
- Student loans
- Personal loans
- Credit cards

Pay close attention to the account numbers, statuses, balances, and payment statuses. Make sure all accounts listed are actually yours.

3. Public Records

Information contained:
- Bankruptcies
- Tax liens
- Lawsuit debts
- Collections
- Other civil and financial judgments

Make sure all of this information is correct and updated. You should realize that certain bankruptcies and other negative information can remain on your credit report for up to 7 years.

4. Credit Inquiries

Information contained:
- Who requested to view your credit report

There are two types of inquiries that you will see on your credit report. Hard inquiries are those that you initiated when you requested your credit report or authorized a lender or credit card company to view your credit report. Soft inquiries are those made by credit card companies that send you pre-approved promotions for their credit card. Soft inquiries are only visible to you. A lender cannot see them when they review your credit report. There is much speculation as to how much inquiries affect your credit score. Soft inquiries do not affect your credit score at all. According to Fair Isaac Corporation, each hard inquiry can subtract no more than five points from a person's score. Often no points are subtracted. Since it is normal for a consumer to shop around for interest rates when applying for a home or car loan, multiple auto or mortgage inquiries in any 14-day period are counted as just one inquiry.

The subject matter contained in our educational publications is for informational purposes only. We suggest that you consult your financial or other advisors when planning for your specific needs or requirements.

In The News:

Reunion for boy separated by Trump immigration policy
Sat, 21 Jul 2018 02:40:00 +0100
A boy who appeared in court after being separated from his father when they illegally crossed the US border has been reunited with his parents.

Trump 'secretly taped talking about Playboy model payment'
Fri, 20 Jul 2018 16:48:00 +0100
Donald Trump's former lawyer secretly taped a conversation the pair had about payments to an ex-Playboy model, according to a report.

Duck boat tragedy: 'Captain said leave life jackets'
Fri, 20 Jul 2018 21:55:00 +0100
A woman who lost nine members of her family, including her children and husband, when a "duck boat" sank claims the captain told people not to put on life jackets.

Gunman kills father of school shooting survivors
Sat, 21 Jul 2018 08:25:00 +0100
The father of two survivors of a high school massacre in Florida has died after being shot at his convenience store.

10 hurt in knife attack on crowded bus in Germany
Fri, 20 Jul 2018 16:54:00 +0100
At least 10 people were injured, including three seriously, in a knife attack on a bus in Germany.



tikatoshop.it

Erfahrungen mit Pallhuber Wein
Agen Bola SBOBET Terpercaya

Travel in comfort and at your leisure with CT Airlink Limousine & Car Service for top quality private transportation and exceptional customer service. We operate Sedans, SUVs & Vans for CT Car Services to covering all Connecticut airports including Car Service from CT to Newark Airport , Mohegan Casino Uncasville CT, Foxwoods Casino Mashantucket CT, Manhattan Cruise Terminal NYC, Brooklyn Cruise Terminal NYC and Bayonne Cruise Terminal NJ. CT Airlink hire licensed and friendly chauffeurs who have in-depth knowledge of the Areas.

Identity Theft ? Who Would Want Mine?

With all my bills who would possibly want my credit?... Read More

Credit Cards - The Top 3 Things You Need To Know

Today there are so many different credit cards available, student... Read More

What is on Your Credit Report?

Your credit report is a very important piece of the... Read More

How to Dispute Credit Report Errors

Your credit report--a type of consumer report--contains information about where... Read More

How You Can Help Prevent Identity Theft

How can I prevent Identity theft from happening to me?... Read More

Identity Theft : They Got Him

His hard earned money? Gone. Creditors on his back everyday.... Read More

Credit Cards

Credit cards are a form of unsecured credit. The issuer... Read More

Teaching Students To Keep Out Of Credit Card Debt - The Parents Role

Parents have the full responsibility for their children and their... Read More

How To Repair Your Credit Report

A credit report is run on a buyer when he... Read More

Why Should You Use Credit Cards

Believe it or not, the way society, especially the commercial... Read More

Credit Cards: Pros and Cons

Sure, there are a lot of problems with credit cards,... Read More

Credit Cards or Store Cards - Which Is Better?

Introduction In this article, a presentation is made of the... Read More

10 Ways To Protect Your Financial Identity Being Used For Someone Else?s Shopping Spree

Someone impersonating you could be spending your hard-earned money.Impossible! Not... Read More

Protect Yourself Against Identity Theft

Identity theft is when someone uses, without permission, your personal... Read More

Debt Collection Agencies

Debt collection agencies are often a viable option for receiving... Read More

Warning: Free Credit Report Imposter Websites Springing Up on the Web

A recent amendment to the federal Fair Credit Reporting Act... Read More

Preventing Credit Card Mess

Credit card debts problem is extremely common today. It is... Read More

What Happens When Your Credit Is Damaged? Do You Have Recourse?

The good thing about bad credit is that you can... Read More

The Right Way To Credit Repair

If you have a bad credit rating, then you might... Read More

Useful Tips on Using Credit Cards

Here are some useful tips on using credit cards. Whether... Read More

Credit Card Traps: How To Spot Them On The Spot!

They arrive in your mail - a conspicuous looking mail... Read More

10 Signs You May Need Credit Counseling

Debt management programs can be of real help for people... Read More

Finding Reputable Credit Card Companies

You're interested in getting the best credit cards for your... Read More

Is Plastic Making You Happier?

If you're like most people, you probably own at least... Read More

Defeating Credit Card Debt With Self Control

Credit card debt is a major social problem in some... Read More