Understanding Credit Report Score Written by Gary Gresham
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Don't be surprised if you find an error once you get your credit report. Statistics show that 70 percent of credit reports contain serious errors. Those errors are what you want to clear up because they will affect your credit score. If you find a mistake, you have right to dispute information free of charge. Contact credit bureau that provided information and dispute inaccurate information. Below are names, addresses, phone numbers and web sites of three credit bureaus TransUnion, Experian and Equifax. Equifax Credit P.O. Box 740241 Atlanta, GA 30374 Equifax 800-685-1111 http://www.equifax.com TransUnion P.O. Box 1000 Chester, PA 19022 Trans Union 800-888-4213 http://www.transunion.com Experian P.O. Box 2002 Allen, TX 75013 Experian 800-682-7654 http://www.experian.com You can also contact creditor direct and ask that corrected information be provided to credit bureaus. If you suspect any fraud, contact all three credit bureaus immediately and place a fraud alert on your report. Then, contact your credit card companies and bank to protect your accounts. Understanding credit report scores and checking your credit report at least once a year will keep fraud in check and keep your credit score safer. Copyright © 2005 Credit Repair Facts.com All Rights Reserved.
This article is supplied by http://www.credit-repair-facts.com where you will find credit information, debt elimination programs and informative facts that give you the knowledge to correct your own credit and credit report. For more credit related articles go to: http://www.credit-repair-facts.com/articles_1.html
| | Disco Stu's Top Tips to help Students Save MoneyWritten by Stu Collins
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Prepare for unexpected. Yeah I know, sounds really 'girl guide' don't it/ But every term something bad is likely to happen (a roomie vomits on your iPod, someone throws a fire-extinguisher thru Principal's car window while you happen to be passing and you get blamed, latest squeeze needs some cash for a little 'op') and you will need readies to deal with it. It's at times like these you find out who your REAL friends are, namely NO ONE, so you have to rely on your own resources. This tip also fits in with planning for holidays - those Christmas presents don't buy themselves, sucker. And by way, don't give credit to roomies. Those s.o.b/s NEVER pay it back, and next term they will have left college completely, or at least changed their names and courses, so you will not be seeing your hard-earned ever again. That's about it really. Sorry.
Disco Stu Collins was a student once, but chuffed his way to oblivion long before the final exams. He now does penance to the entire student body by writing funky articles on NOT spending for www.nodebtever.com the website dedicated to eradicating YOUR debts, at no cost.
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