Why Your Credit Report Is Important To You
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Peter Nisbet
Apr 16, 2013, 2:50:03 AM4/16/13
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Please consider this free-reprint article written by:
Peter Nisbet
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Article Title: Why Your Credit Report Is Important To You
Author: Peter Nisbet
Word Count: 748
Article URL: http://www.isnare.com/?aid=243574&ca=Finances
Format: 64cpl
Contact The Author: http://www.isnare.com/eta.php?aid=243574
Easy Publish Tool: http://www.isnare.com/html.php?aid=243574
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Your credit report is one of the most important documents that anybody can have access to. It ranks right up there with your passport, birth certificate, and medical and criminal records. It is the basis on which companies decide whether or not to give you credit, and if you think you do not need or use credit then think again.
Do you have a credit card? Do you use any form of mail order purchasing. Do you hire anything, such as a TV or a car now and again? Do you want to rent your home, or are you going to need a mortgage? Do you already have a mortgage and want to raise some money on it, such as remortgage in order to add a swimming pool or an extension? Do you intend applying for a new job sometime in the future?
Will you ever need finance to buy a car, trailer or anything else that most people have to pay up over time due to cost? Do you ever want to have a responsible position in a government department, work in a bank or get a license to lend money or have anything whatsoever to do with finance such as taking promotion at work to the finance department? Do you want to change your telephone provider, or arrange a cell phone plan?
I could list a lot more, but with every one of these somebody will likely check up your credit report. It might just be the abbreviated version, in the form of a credit score that takes other aspects of credit into consideration as well as your report, but your credit report is important to you, even if you are unaware of it.
I bet you have never seen it! Nobody seems to worry much about it until they suddenly find that they cannot get credit. The individual or company refusing you has no obligation to provide a reason, but they must tell you what credit reference agency they used. You are then entitled to a copy of your credit report. In the USA it is free, but in the UK you have to pay � it is only a small sum, and there are ways to avoid even that, and get a free annual report as Americans can.
In the USA, if you are refused credit, you are entitled to an immediate free copy of your report from the agencies used by the company refusing you. Even if you have not been refused, you are entitles to a free credit report from the three main credit reporting agencies every year. This is not so in the UK where you can get a free online credit report at any time if you pay an annual registration fee to each agency or single reports for a small sum each.
The three credit agencies are Experian, Equifax and TransUnion, and you can get your free triple credit reports by application to the appropriate body � not the individual agencies. Only one body is authorized to provide you with the triple report: more information on this is given through the link below. Your credit score is a differ matter and you generally have to pay for that.
Many people are given bad credit record through error, mistaken identity or fraud. If you never look at your record you will never know it. You might have had a lodger or paying guest that recorder your address as theirs, and never changed the record. If they go on to have bad debts, your home will be recorded with the record of bad debt, and everybody living in your household will suffer because of it.
If you have sight of your credit record, you could have these entries removed. If you simply state that you are not financially responsible for the person with the bad debts, then the record can be removed. There are other credit laws to protect you, but you must have your credit record to examine.
So get moving and get your credit record. There are people that can help you to get your records put straight, and repair your credit score. Do not be confused by the difference between a credit record and credit score: your score is based on the record, and the more false entries you get off your credit record then the better your credit score will become.
About The Author: For information on how to get your free credit report, and details on how to read and understand it, check out http://www.principal-finance.com/credit-report.html where you will find plenty other useful information on how to improve your credit rating.
Please use the HTML version of this article at:
http://www.isnare.com/html.php?aid=243574
*********************** ARTICLE END ***********************
- To distribute your articles go to http://www.isnare.com/distribution.php
- For more free-reprint articles go to http://www.isnare.com
Message delivered directly to members of the group:
publish-the...@googlegroups.com
*****************************************************************
Please consider this free-reprint article written by:
Peter Nisbet
*****************************
IMPORTANT - Publication/Reprint Terms
- You have permission to publish this article electronically in free-only publications such as a website or an ezine as long as the bylines are included.
- You are not allowed to use this article for commercial purposes. The article should only be reprinted in a publicly accessible website and not in a members-only commercial site.
- You are not allowed to post/reprint this article in any sites/publications that contains or supports hate, violence, porn and warez or any indecent and illegal sites/publications.
- You are not allowed to use this article in UCE (Unsolicited Commercial Email) or SPAM. This article MUST be distributed in an opt-in email list only.
- If you distribute this article in an ezine or newsletter, we ask that you send a copy of the newsletter or ezine that contains the article to http://www.isnare.com/eta.php?aid=243574
- If you post this article in a website/forum/blog, ALL links MUST be set to hyperlinks and we ask that you send a copy of the URL where the article is posted to http://www.isnare.com/eta.php?aid=243574
- We request that you ask permission from the author if you want to publish this article in print.
The role of iSnare.com is only to distribute this article as part of its Article Distribution feature ( http://www.isnare.com/distribution.php ). iSnare.com does NOT own this article, please respect the author's copyright and this publication/reprint terms. If you do not agree to any of these terms, please do not reprint or publish this article.
*****************************
Article Title: Why Your Credit Report Is Important To You
Author: Peter Nisbet
Word Count: 748
Article URL: http://www.isnare.com/?aid=243574&ca=Finances
Format: 64cpl
Contact The Author: http://www.isnare.com/eta.php?aid=243574
Easy Publish Tool: http://www.isnare.com/html.php?aid=243574
*********************** ARTICLE START ***********************
Your credit report is one of the most important documents that anybody can have access to. It ranks right up there with your passport, birth certificate, and medical and criminal records. It is the basis on which companies decide whether or not to give you credit, and if you think you do not need or use credit then think again.
Do you have a credit card? Do you use any form of mail order purchasing. Do you hire anything, such as a TV or a car now and again? Do you want to rent your home, or are you going to need a mortgage? Do you already have a mortgage and want to raise some money on it, such as remortgage in order to add a swimming pool or an extension? Do you intend applying for a new job sometime in the future?
Will you ever need finance to buy a car, trailer or anything else that most people have to pay up over time due to cost? Do you ever want to have a responsible position in a government department, work in a bank or get a license to lend money or have anything whatsoever to do with finance such as taking promotion at work to the finance department? Do you want to change your telephone provider, or arrange a cell phone plan?
I could list a lot more, but with every one of these somebody will likely check up your credit report. It might just be the abbreviated version, in the form of a credit score that takes other aspects of credit into consideration as well as your report, but your credit report is important to you, even if you are unaware of it.
I bet you have never seen it! Nobody seems to worry much about it until they suddenly find that they cannot get credit. The individual or company refusing you has no obligation to provide a reason, but they must tell you what credit reference agency they used. You are then entitled to a copy of your credit report. In the USA it is free, but in the UK you have to pay � it is only a small sum, and there are ways to avoid even that, and get a free annual report as Americans can.
In the USA, if you are refused credit, you are entitled to an immediate free copy of your report from the agencies used by the company refusing you. Even if you have not been refused, you are entitles to a free credit report from the three main credit reporting agencies every year. This is not so in the UK where you can get a free online credit report at any time if you pay an annual registration fee to each agency or single reports for a small sum each.
The three credit agencies are Experian, Equifax and TransUnion, and you can get your free triple credit reports by application to the appropriate body � not the individual agencies. Only one body is authorized to provide you with the triple report: more information on this is given through the link below. Your credit score is a differ matter and you generally have to pay for that.
Many people are given bad credit record through error, mistaken identity or fraud. If you never look at your record you will never know it. You might have had a lodger or paying guest that recorder your address as theirs, and never changed the record. If they go on to have bad debts, your home will be recorded with the record of bad debt, and everybody living in your household will suffer because of it.
If you have sight of your credit record, you could have these entries removed. If you simply state that you are not financially responsible for the person with the bad debts, then the record can be removed. There are other credit laws to protect you, but you must have your credit record to examine.
So get moving and get your credit record. There are people that can help you to get your records put straight, and repair your credit score. Do not be confused by the difference between a credit record and credit score: your score is based on the record, and the more false entries you get off your credit record then the better your credit score will become.
About The Author: For information on how to get your free credit report, and details on how to read and understand it, check out http://www.principal-finance.com/credit-report.html where you will find plenty other useful information on how to improve your credit rating.
Please use the HTML version of this article at:
http://www.isnare.com/html.php?aid=243574
*********************** ARTICLE END ***********************
- To distribute your articles go to http://www.isnare.com/distribution.php
- For more free-reprint articles go to http://www.isnare.com
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