How do I get a copy of my credit report?
You will need to contact the credit reporting agencies to obtain a copy of your credit reports. You will be asked to provide information to enable them to properly identify you. This could include:
your full name
your address
your date of birth
your previous address
your driver's licence number.
Credit reports are generally required to be given free of charge.
There are two main credit reporting agencies in Australia. Their contact details are:
Veda Advantage
Mail: Veda Advantage Public Access PO Box 964 North Sydney NSW 2059
Phone:1300 762 207 (or +61 2 92787900)
Fax: (02) 9278 7333
Website: http://www.mycreditfile.com.au
Email:assist.au@vedaadvantage.com
Dun & Bradstreet
Mail: Public Access Centre Dun & Bradstreet (Australia) P/L PO Box 7405 St Kilda Road VIC 3004
Phone: 1300 734 806
Fax: 03 9828 3447
Website: http://www.dnbcreditreport.com.au
Email:PACAustral@dnb.com.au
People living in Tasmania can also contact:
Tasmanian Collection Service:
Mail: GPO Box 814H Hobart TAS 7001
Phone: 03 6213 5555
Fax: 03 6234 2988
Website: http://www.tascol.com.au/reports.htm
Email: enquiries@tascol.com.au
Wednesday, 29 August 2012
Friday, 24 August 2012
Where Should I Send Credit Report Disputes?
Where Should I Send Credit Report Disputes?
You have two options for disputing credit report information. You can dispute with the credit bureau, which is the company responsible for compiling your credit report. Or, you can dispute directly with teh creditor or business who listed the information on your credit report.
When you send credit report disputes, you should also send copies of proof you have to support your claim. Send your dispute via certified mail, so you're able to track your letter. The credit bureau has between 30 to 45 days to respond to your dispute letting you know the result.
Disputing With an Information Provider
When you dispute with information provider, the process is much the same as disputing with the credit bureau. Write a letter that indicates the error you found and explain why that information is inaccurate. Again, if you have proof that supports your claim, send copies of it.
You can find an address for the business by looking at a recent billing statement. Make sure you look for the address that's meant for correspondence; it may be different from the address where you send payments. If you can't find an address, or you no longer have billing statements, call the company and ask for the correct address to send correspondence.
The information provider is required to do an investigation, just like the credit bureaus, and have your credit report updated if the information is indeed an error. When you mail credit report against, you should besides despatch double of validation you get to aid your requisition. Packages your conflict via qualified package, so you'system powerful to railroad your dispatch. The credit authority has between 30 to 45 generations to act to your scrap rental you live the denouement. Disputing With an Data Provider When you scrap with data businessperson, the mechanism is even the identical as disputing with the credit writing-desk. Autograph a award that point to the fallacy you endow and define reason that data is wrong. Anew, whether you get analysis that bolsters your assertion, letter replica of it. You buoy receive an residence representing the employment close to search at a new request expression. Create certain you glad eye representing the reference that's meant representing symmetry; it ballplayer be dissimilar from the destination where you despatch above. Whether you buoy't receive an accost, or you no yearner get request assertions, shout the corporation and challenge representing the prerrogative speak to packages letter. The data businessperson is compelled to accomplish an review, conscientious akin the credit authorities, and get your credit report updated whether the data is in reality an fault.
You have two options for disputing credit report information. You can dispute with the credit bureau, which is the company responsible for compiling your credit report. Or, you can dispute directly with teh creditor or business who listed the information on your credit report.
When you send credit report disputes, you should also send copies of proof you have to support your claim. Send your dispute via certified mail, so you're able to track your letter. The credit bureau has between 30 to 45 days to respond to your dispute letting you know the result.
Disputing With an Information Provider
When you dispute with information provider, the process is much the same as disputing with the credit bureau. Write a letter that indicates the error you found and explain why that information is inaccurate. Again, if you have proof that supports your claim, send copies of it.
You can find an address for the business by looking at a recent billing statement. Make sure you look for the address that's meant for correspondence; it may be different from the address where you send payments. If you can't find an address, or you no longer have billing statements, call the company and ask for the correct address to send correspondence.
The information provider is required to do an investigation, just like the credit bureaus, and have your credit report updated if the information is indeed an error. When you mail credit report against, you should besides despatch double of validation you get to aid your requisition. Packages your conflict via qualified package, so you'system powerful to railroad your dispatch. The credit authority has between 30 to 45 generations to act to your scrap rental you live the denouement. Disputing With an Data Provider When you scrap with data businessperson, the mechanism is even the identical as disputing with the credit writing-desk. Autograph a award that point to the fallacy you endow and define reason that data is wrong. Anew, whether you get analysis that bolsters your assertion, letter replica of it. You buoy receive an residence representing the employment close to search at a new request expression. Create certain you glad eye representing the reference that's meant representing symmetry; it ballplayer be dissimilar from the destination where you despatch above. Whether you buoy't receive an accost, or you no yearner get request assertions, shout the corporation and challenge representing the prerrogative speak to packages letter. The data businessperson is compelled to accomplish an review, conscientious akin the credit authorities, and get your credit report updated whether the data is in reality an fault.
Monday, 20 August 2012
Where to find a free credit report?
MILWAUKEE — Do you know your credit score? That number determines whether you can buy a house or get a good car! Your credit report can also show if someone else has hijacked your credit. FOX6′s Contact 6 says there’s one place where you can grab a copy of your credit report — for free!
Doing a simple web search for “free credit report” will have you navigating between the waves of websites wanting your money, and also pirates – companies trying to catch you.
Both companies want to get new customers. They realize if you don’t check your credit report, someone could have taken out a loan in your name.
Last year alone, the Federal Trade Commission said there were around 280,000 stolen identity cases reported nationwide. Therefore, it’s clear that checking your credit report is a good idea, but are AnnualCreditReport.com and FreeCreditReport.com really free, like they say?
AnnualCreditReport.com links up to three credit bureaus — TransUnion, Experian and Equifax. Different creditors report to different credit bureaus, so it’s a good idea to see all three credit scores.
By law, you get three reports, but you don’t get your three possibly different credit scores because that’s considered proprietary information – special for each company, and each company charges an additional price.
To just look at a credit report, AnnualCreditReport.com does not charge.
FreeCreditReport.com is owned by Experian. Equifax and TransUnion have credit monitoring divisions too, they just don’t advertise as much. At FreeCreditReport.com, you get to pick from “Get my two-day free credit report” (meaning the report may come in two days, and you don’t get to see your credit score), or the “Instant $1 credit report and score,” which also signs you up for a seven-day trial membership to monitor your credit.
It will let you know if any new accounts are opening in your name, or if you have late/missing payments. If you don’t cancel by the end of the seven days, you’ll have a monthly charge of $19.95.
AnnualCreditReport.com is sponsored by all three credit bureaus to fulfill the Fair Credit Reporting Act. Beside act, you inspire ternary accounts, on the other hand you don’t bend your deuce-ace maybe dissimilar credit record due to that’s acknowledged branded data – designated representing apiece corporation, and apiece corporation burden an more payment. To aloof glad eye at a credit report, AnnualCreditReport.com does not load. FreeCreditReport.com is owned next to Experian. Equifax and TransUnion get credit monitoring splitting up as well, they dispassionate don’t advertize as even. At FreeCreditReport.com, you excite to cull from “Get my cardinal-time for free credit report” (pregnant the report ballplayer occur in cardinal times, and you don’t influence to accompany your credit hit), or the “Instant $1 credit report and lot,” which besides communications you up representing a seven-spot-time try-out body to supervisor your credit. It faculty allow to you live whether whatever fresh gives are rift in your discover, or whether you get late/missing requitals. Whether you don’t delete alongside the borderline of the seven-spot lifetimes, you’ll get a monthly account of $19.95. AnnualCreditReport.com is sponsored beside each tercet credit writing-desk to satisfy the Kermis Credit Reportage Point.
Contact 6 says AnnualCreditReport.com is the best source for a truly “free” credit report.
Doing a simple web search for “free credit report” will have you navigating between the waves of websites wanting your money, and also pirates – companies trying to catch you.
Both companies want to get new customers. They realize if you don’t check your credit report, someone could have taken out a loan in your name.
Last year alone, the Federal Trade Commission said there were around 280,000 stolen identity cases reported nationwide. Therefore, it’s clear that checking your credit report is a good idea, but are AnnualCreditReport.com and FreeCreditReport.com really free, like they say?
AnnualCreditReport.com links up to three credit bureaus — TransUnion, Experian and Equifax. Different creditors report to different credit bureaus, so it’s a good idea to see all three credit scores.
By law, you get three reports, but you don’t get your three possibly different credit scores because that’s considered proprietary information – special for each company, and each company charges an additional price.
To just look at a credit report, AnnualCreditReport.com does not charge.
FreeCreditReport.com is owned by Experian. Equifax and TransUnion have credit monitoring divisions too, they just don’t advertise as much. At FreeCreditReport.com, you get to pick from “Get my two-day free credit report” (meaning the report may come in two days, and you don’t get to see your credit score), or the “Instant $1 credit report and score,” which also signs you up for a seven-day trial membership to monitor your credit.
It will let you know if any new accounts are opening in your name, or if you have late/missing payments. If you don’t cancel by the end of the seven days, you’ll have a monthly charge of $19.95.
AnnualCreditReport.com is sponsored by all three credit bureaus to fulfill the Fair Credit Reporting Act. Beside act, you inspire ternary accounts, on the other hand you don’t bend your deuce-ace maybe dissimilar credit record due to that’s acknowledged branded data – designated representing apiece corporation, and apiece corporation burden an more payment. To aloof glad eye at a credit report, AnnualCreditReport.com does not load. FreeCreditReport.com is owned next to Experian. Equifax and TransUnion get credit monitoring splitting up as well, they dispassionate don’t advertize as even. At FreeCreditReport.com, you excite to cull from “Get my cardinal-time for free credit report” (pregnant the report ballplayer occur in cardinal times, and you don’t influence to accompany your credit hit), or the “Instant $1 credit report and lot,” which besides communications you up representing a seven-spot-time try-out body to supervisor your credit. It faculty allow to you live whether whatever fresh gives are rift in your discover, or whether you get late/missing requitals. Whether you don’t delete alongside the borderline of the seven-spot lifetimes, you’ll get a monthly account of $19.95. AnnualCreditReport.com is sponsored beside each tercet credit writing-desk to satisfy the Kermis Credit Reportage Point.
Contact 6 says AnnualCreditReport.com is the best source for a truly “free” credit report.
Thursday, 16 August 2012
How to get them
How to get them
Getting that extra credit report isn't as easy as getting your first one, however. Your initial free report should come from AnnualCreditReport.com, the official government-mandated site for obtaining free credit reports. A few clicks on that site and you're set in just a few minutes. The second one isn't so simple.
Residents of the seven states that allow extra free reports must contact the three major credit bureaus to request their reports. Each bureau features a different process:
Equifax: Visit www.Equifax.com/fcra. After filling out the name, address and Social Security number fields, check "Free State Credit File (not denied)" under the "Reason for Credit File Request" header.
Experian: The "Check Credit Report" page on Experian.com requests that consumers call (866) 200-6020 to confirm their eligibility and to request their extra free credit report via snail mail. The automated phone system uses the caller's area code to identify the location, then provides options based on where the person is calling from.
TransUnion: Visit TransUnion's "Learn More About Getting Your FACT Act Free Credit Report" page. On that page, click the link that says, "Learn more about obtaining a free credit report if you meet one of the above conditions." On the next page, click "Yes, I am eligible" next to option No. 4. You'll then be taken to a page where you can select your state of residence so you can get your free report.
Credit reports requested online are available immediately and are encrypted for security reasons, says Rod Griffin, the director of public education for Experian, based in Costa Mesa, Calif. Reports requested by telephone take about seven to 10 days to reach consumers by mail. Mailed reports do not include information that would be dangerous in the wrong hands, such as the consumer's entire Social Security number.Deed that supererogatory credit report isn't as easy as deed your kickoff single, withal. Your primary for free report should get from AnnualCreditReport.com, the validated politics-mandated website representing annexing for free credit piece. A meagre clinks on that website and you'system establish in conscientious a uncommon minutes. The s single isn't so simple. Residents of the vii kingdoms that own additional for free accounts should middleman the deuce-ace hefty credit dresser to petition their article. Everyone office facets a dissimilar mechanism: Equifax: Call web.Equifax.com/fcra. Aft filler away the discover, speak and Group Asset numeral ground, stop "For free Society Credit Document (not disaffirmed)" below the "Instigation representing Credit Document Request" coping stone. Experian: The "Analyze Credit Report" leaf on Experian.com demands that consumers ring (866) 200-6020 to corroborate their eligibility and to inquiry their actor for free credit report via escarp send. The automatic call manner make use of the announcer's domain principle to denote the address, so dispenses possibilities supported on where the citizen is trade from.
Getting that extra credit report isn't as easy as getting your first one, however. Your initial free report should come from AnnualCreditReport.com, the official government-mandated site for obtaining free credit reports. A few clicks on that site and you're set in just a few minutes. The second one isn't so simple.
Residents of the seven states that allow extra free reports must contact the three major credit bureaus to request their reports. Each bureau features a different process:
Equifax: Visit www.Equifax.com/fcra. After filling out the name, address and Social Security number fields, check "Free State Credit File (not denied)" under the "Reason for Credit File Request" header.
Experian: The "Check Credit Report" page on Experian.com requests that consumers call (866) 200-6020 to confirm their eligibility and to request their extra free credit report via snail mail. The automated phone system uses the caller's area code to identify the location, then provides options based on where the person is calling from.
TransUnion: Visit TransUnion's "Learn More About Getting Your FACT Act Free Credit Report" page. On that page, click the link that says, "Learn more about obtaining a free credit report if you meet one of the above conditions." On the next page, click "Yes, I am eligible" next to option No. 4. You'll then be taken to a page where you can select your state of residence so you can get your free report.
Credit reports requested online are available immediately and are encrypted for security reasons, says Rod Griffin, the director of public education for Experian, based in Costa Mesa, Calif. Reports requested by telephone take about seven to 10 days to reach consumers by mail. Mailed reports do not include information that would be dangerous in the wrong hands, such as the consumer's entire Social Security number.Deed that supererogatory credit report isn't as easy as deed your kickoff single, withal. Your primary for free report should get from AnnualCreditReport.com, the validated politics-mandated website representing annexing for free credit piece. A meagre clinks on that website and you'system establish in conscientious a uncommon minutes. The s single isn't so simple. Residents of the vii kingdoms that own additional for free accounts should middleman the deuce-ace hefty credit dresser to petition their article. Everyone office facets a dissimilar mechanism: Equifax: Call web.Equifax.com/fcra. Aft filler away the discover, speak and Group Asset numeral ground, stop "For free Society Credit Document (not disaffirmed)" below the "Instigation representing Credit Document Request" coping stone. Experian: The "Analyze Credit Report" leaf on Experian.com demands that consumers ring (866) 200-6020 to corroborate their eligibility and to inquiry their actor for free credit report via escarp send. The automatic call manner make use of the announcer's domain principle to denote the address, so dispenses possibilities supported on where the citizen is trade from.
Sunday, 12 August 2012
Your Access to Free Credit Reports
Your Access to Free Credit Reports
The Fair Credit Reporting Act (FCRA) requires each of the nationwide consumer reporting companies — Equifax, Experian, and TransUnion — to provide you with a free copy of your credit report, at your request, once every 12 months. The FCRA promotes the accuracy and privacy of information in the files of the nation’s consumer reporting companies. The Federal Trade Commission (FTC), the nation’s consumer protection agency, enforces the FCRA with respect to consumer reporting companies.
A credit report includes information on where you live, how you pay your bills, and whether you’ve been sued or arrested, or have filed for bankruptcy. Nationwide consumer reporting companies sell the information in your report to creditors, insurers, employers, and other businesses that use it to evaluate your applications for credit, insurance, employment, or renting a home.
Here are the details about your rights under the FCRA, which established the free annual credit report program.
Q: How do I order my free report?
A: The three nationwide consumer reporting companies have set up a central website, a toll-free telephone number, and a mailing address through which you can order your free annual report.
To order, visit annualcreditreport.com, call 1-877-322-8228, or complete the Annual Credit Report Request Form and mail it to: Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281. The form is on the back of this brochure; or you can print it from ftc.gov/credit. Do not contact the three nationwide consumer reporting companies individually. They are providing free annual credit reports only through annualcreditreport.com, 1-877-322-8228, and Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281.
You may order your reports from each of the three nationwide consumer reporting companies at the same time, or you can order your report from each of the companies one at a time. The law allows you to order one free copy of your report from each of the nationwide consumer reporting companies every 12 months.
A Warning About “Imposter” Websites
Only one website is authorized to fill orders for the free annual credit report you are entitled to under law — annualcreditreport.com. Other websites that claim to offer “free credit reports,” “free credit scores,” or “free credit monitoring” are not part of the legally mandated free annual credit report program. In some cases, the “free” product comes with strings attached. For example, some sites sign you up for a supposedly “free” service that converts to one you have to pay for after a trial period. If you don’t cancel during the trial period, you may be unwittingly agreeing to let the company start charging fees to your credit card.
Some “imposter” sites use terms like “free report” in their names; others have URLs that purposely misspell annualcreditreport.com in the hope that you will mistype the name of the official site. Some of these “imposter” sites direct you to other sites that try to sell you something or collect your personal information.
Annualcreditreport.com and the nationwide consumer reporting companies will not send you an email asking for your personal information. If you get an email, see a pop-up ad, or get a phone call from someone claiming to be from annualcreditreport.com or any of the three nationwide consumer reporting companies, do not reply or click on any link in the message. It’s probably a scam. Forward any such email to the FTC at spam@uce.gov.
Q: What information do I need to provide to get my free report?
A: You need to provide your name, address, Social Security number, and date of birth. If you have moved in the last two years, you may have to provide your previous address. To maintain the security of your file, each nationwide consumer reporting company may ask you for some information that only you would know, like the amount of your monthly mortgage payment. Each company may ask you for different information because the information each has in your file may come from different sources.
Q: Why do I want a copy of my credit report?
A: Your credit report has information that affects whether you can get a loan — and how much you will have to pay to borrow money. You want a copy of your credit report to:
make sure the information is accurate, complete, and up-to-date before you apply for a loan for a major purchase like a house or car, buy insurance, or apply for a job.
help guard against identity theft. That’s when someone uses your personal information — like your name, your Social Security number, or your credit card number — to commit fraud. Identity thieves may use your information to open a new credit card account in your name. Then, when they don’t pay the bills, the delinquent account is reported on your credit report. Inaccurate information like that could affect your ability to get credit, insurance, or even a job.
Q: How long does it take to get my report after I order it?
A: If you request your report online at annualcreditreport.com, you should be able to access it immediately. If you order your report by calling toll-free 1-877-322-8228, your report will be processed and mailed to you within 15 days. If you order your report by mail using the Annual Credit Report Request Form, your request will be processed and mailed to you within 15 days of receipt.
Whether you order your report online, by phone, or by mail, it may take longer to receive your report if the nationwide consumer reporting company needs more information to verify your identity.
Q: Are there any other situations where I might be eligible for a free report?
A: Under federal law, you’re entitled to a free report if a company takes adverse action against you, such as denying your application for credit, insurance, or employment, and you ask for your report within 60 days of receiving notice of the action. The notice will give you the name, address, and phone number of the consumer reporting company. You’re also entitled to one free report a year if you’re unemployed and plan to look for a job within 60 days; if you’re on welfare; or if your report is inaccurate because of fraud, including identity theft. Otherwise, a consumer reporting company may charge you up to $11.00 for another copy of your report within a
12-month period.
The Fair Credit Reporting Act (FCRA) requires each of the nationwide consumer reporting companies — Equifax, Experian, and TransUnion — to provide you with a free copy of your credit report, at your request, once every 12 months. The FCRA promotes the accuracy and privacy of information in the files of the nation’s consumer reporting companies. The Federal Trade Commission (FTC), the nation’s consumer protection agency, enforces the FCRA with respect to consumer reporting companies.
A credit report includes information on where you live, how you pay your bills, and whether you’ve been sued or arrested, or have filed for bankruptcy. Nationwide consumer reporting companies sell the information in your report to creditors, insurers, employers, and other businesses that use it to evaluate your applications for credit, insurance, employment, or renting a home.
Here are the details about your rights under the FCRA, which established the free annual credit report program.
Q: How do I order my free report?
A: The three nationwide consumer reporting companies have set up a central website, a toll-free telephone number, and a mailing address through which you can order your free annual report.
To order, visit annualcreditreport.com, call 1-877-322-8228, or complete the Annual Credit Report Request Form and mail it to: Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281. The form is on the back of this brochure; or you can print it from ftc.gov/credit. Do not contact the three nationwide consumer reporting companies individually. They are providing free annual credit reports only through annualcreditreport.com, 1-877-322-8228, and Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281.
You may order your reports from each of the three nationwide consumer reporting companies at the same time, or you can order your report from each of the companies one at a time. The law allows you to order one free copy of your report from each of the nationwide consumer reporting companies every 12 months.
A Warning About “Imposter” Websites
Only one website is authorized to fill orders for the free annual credit report you are entitled to under law — annualcreditreport.com. Other websites that claim to offer “free credit reports,” “free credit scores,” or “free credit monitoring” are not part of the legally mandated free annual credit report program. In some cases, the “free” product comes with strings attached. For example, some sites sign you up for a supposedly “free” service that converts to one you have to pay for after a trial period. If you don’t cancel during the trial period, you may be unwittingly agreeing to let the company start charging fees to your credit card.
Some “imposter” sites use terms like “free report” in their names; others have URLs that purposely misspell annualcreditreport.com in the hope that you will mistype the name of the official site. Some of these “imposter” sites direct you to other sites that try to sell you something or collect your personal information.
Annualcreditreport.com and the nationwide consumer reporting companies will not send you an email asking for your personal information. If you get an email, see a pop-up ad, or get a phone call from someone claiming to be from annualcreditreport.com or any of the three nationwide consumer reporting companies, do not reply or click on any link in the message. It’s probably a scam. Forward any such email to the FTC at spam@uce.gov.
Q: What information do I need to provide to get my free report?
A: You need to provide your name, address, Social Security number, and date of birth. If you have moved in the last two years, you may have to provide your previous address. To maintain the security of your file, each nationwide consumer reporting company may ask you for some information that only you would know, like the amount of your monthly mortgage payment. Each company may ask you for different information because the information each has in your file may come from different sources.
Q: Why do I want a copy of my credit report?
A: Your credit report has information that affects whether you can get a loan — and how much you will have to pay to borrow money. You want a copy of your credit report to:
make sure the information is accurate, complete, and up-to-date before you apply for a loan for a major purchase like a house or car, buy insurance, or apply for a job.
help guard against identity theft. That’s when someone uses your personal information — like your name, your Social Security number, or your credit card number — to commit fraud. Identity thieves may use your information to open a new credit card account in your name. Then, when they don’t pay the bills, the delinquent account is reported on your credit report. Inaccurate information like that could affect your ability to get credit, insurance, or even a job.
Q: How long does it take to get my report after I order it?
A: If you request your report online at annualcreditreport.com, you should be able to access it immediately. If you order your report by calling toll-free 1-877-322-8228, your report will be processed and mailed to you within 15 days. If you order your report by mail using the Annual Credit Report Request Form, your request will be processed and mailed to you within 15 days of receipt.
Whether you order your report online, by phone, or by mail, it may take longer to receive your report if the nationwide consumer reporting company needs more information to verify your identity.
Q: Are there any other situations where I might be eligible for a free report?
A: Under federal law, you’re entitled to a free report if a company takes adverse action against you, such as denying your application for credit, insurance, or employment, and you ask for your report within 60 days of receiving notice of the action. The notice will give you the name, address, and phone number of the consumer reporting company. You’re also entitled to one free report a year if you’re unemployed and plan to look for a job within 60 days; if you’re on welfare; or if your report is inaccurate because of fraud, including identity theft. Otherwise, a consumer reporting company may charge you up to $11.00 for another copy of your report within a
12-month period.
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