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Clear Credit Report
By Jayme Hanson
Your credit report is one way a bank, employer or insurance company will make important decisions about whether to loan you money, hire or insure you. It is extremely important to have a clear credit report
and make a good first impression.
Even though there are many companies who advertise to help you clean up your credit report, you don't need to hire or pay anyone to help clear your credit report if you discover an error or black mark on your credit.
The first step you need to take is to get a copy of your credit report. Get a copy from each of the three main credit bureau companies because the reports won't have the same exact information. Here is the contact information for each of the credit bureau companies.
Equifax P.O. Box 740241 Atlanta, GA 30374-0241 http://www.equifax.com
TRW/Experian P.O. Box 2104 Allen, TX 75013-2104 http://www.experian.com
TransUnion P.O. Box 1000 Chester, PA 19022 http://www.transunion.com
Consumers are also entitled
Online betting firm bwin plans Partygaming merger
VIENNA (AFP) - Austrian online betting company bwin announced Thursday it had signed a merger agreement with British rival PartyGaming.
China allows release of critical IMF report
WASHINGTON (AFP) - China allowed an annual IMF staff report that is critical of its currency policy to be released Thursday for the first time in four years, a senior fund official said.
Euro hits & #36;1.31 for first time since May
LONDON (AFP) - The European single currency breached 1.
Global demand drives German chemical groups earnings
FRANKFURT (AFP) - German chemical groups posted solid results Thursday on sustained demand worldwide and a weaker euro, giving confidence a boost after last year's difficult times.
Exxon profits soar in second quarter
NEW YORK (AFP) - Profits at energy titan ExxonMobil nearly doubled in the second quarter of the year, the company said Thursday, as production from fields in Qatar and Kazakhstan rose.
Oil prices climb higher
LONDON (AFP) - World oil prices were higher on Thursday, winning support from firmer equities and the weaker dollar after recent falls that were sparked by downbeat news in key consumer the United States.
US jobless claims fall unexpectedly
WASHINGTON (AFP) - New claims for US unemployment benefits fell unexpectedly last week to 457,000, down 2.4 percent from the previous week, the Labor Department said.
Italian MPs give approval for austerity package
ROME (AFP) - Italy's lower house of parliament on Thursday approved in a final vote a 25-billion-euro (32 billion dollar) austerity package to bring the public deficit under control and reassure markets.
Europe's economic confidence soars
BRUSSELS (AFP) - A surge in confidence in Europe's economy fuelled hope Thursday that the region is finally overcoming its financial troubles just days after European banks largely survived a crash test.
China denies forced technology transfer charge
BEIJING (AFP) - Beijing on Thursday denied charges by a US business group that its technology transfer rules for foreign firms constitute & quot;theft & quot; on a massive scale, and defended its policies as meeting global rules.
Cash-hungry Russia rediscovers privatisation
MOSCOW (AFP) - Eyeing a zero budget deficit but also an ambitious modernisation programme, Russia is set to embark on a 30 billion dollars privatisation drive a decade after turning its back on state sell-offs.
Shell defends deep-water drilling as profits soar
LONDON (AFP) - Royal Dutch Shell posted soaring profits on Thursday and defended deep-water oil production, saying it has an & quot;important role & quot; to play despite the US Gulf of Mexico disaster that rocked rival BP.
European shares rise on strong earnings
LONDON (AFP) - Europe's leading stock markets advanced on Thursday, shaking off falls in Tokyo, as dealers reacted to a barrage of earnings from blue-chip companies, including strong numbers from telecoms.
New British lender Metro Bank opens first branch
LONDON (AFP) - Metro Bank, Britain's first new high street lender for more than 100 years, opens its first branch to the public Thursday in a move aimed at shaking up the country's retail banking sector.
Shell profit climbs to & #36;4.39bn in second quarter
LONDON (AFP) - British oil giant Royal Dutch Shell reported on Thursday a 15-percent jump in net profits to 4.393 billion dollars (3.377 billion euros) in the second quarter, on cutting costs and raising output.
to a free credit report once per calendar year from each of the three main credit bureau companies at http://www.annualcreditreport.com
Once you receive copies of your credit report, check out each entry carefully. The credit bureaus report the information they receive from creditors and once in a while a mistake will happen. If there is an entry on your credit report that you want to dispute you will need to provide the following information to the credit bureau:
Creditor
Account Number
Reason for Dispute
Once you have completed the required information for the dispute, sign and mail this information to the appropriate credit bureaus. You also want to include any documents that support your position in the dispute (ie., a copy of a cancelled check proving an account was paid in full).
Once you have examined your report and corrected an errors or mistakes than you should request an updated copy to make sure you have a clear credit report
.
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