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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
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Euro dogged by downbeat German exports data
LONDON (AFP) - The euro pulled lower against the dollar on Wednesday in the wake of disappointing data in Germany, while traders tracked Europe's public debt woes, analysts said.
Chile quake to cost insurers 'up to & #36;7 bln'
ZURICH (AFP) - Reinsurance giant Swiss Re on Wednesday estimated that insurers will have to pay up to 7.0 billion dollars (5.16 billion euros) for damages arising from the deadly earthquake in Chile.
European stocks edge ahead as investors await data
LONDON (AFP) - Europe's leading stock markets nudged higher on Wednesday as traders awaited key US economic data and assessed the latest batch of company results.
PM fires gun on British election with budget date
LONDON (AFP) - The British government will unveil a pre-election budget on March 24, Prime Minister Gordon Brown said Wednesday, fuelling expectations of a general election in May.
Greece set to be crippled by Thursday's strike
ATHENS (AFP) - A sweeping strike is set to cripple Greece on Thursday in the second such protest in a fortnight against debt-driven austerity measures.
German exports post unexpected drop in January
FRANKFURT (AFP) - German exports dropped by an unexpectedly sharp 6.
China auto sales reach 1.2 million in February
BEIJING (AFP) - China's auto sales reached 1.
Oil prices slip on stronger dollar
NEW YORK (AFP) - Oil prices slipped Tuesday under pressure from a stronger dollar and ahead of weekly data on petroleum inventories in the United States, the world's largest energy consumer.
Audi aims to match pre-crisis sales record
FRANKFURT (AFP) - German luxury car maker Audi, which is owned by Volkswagen, said Tuesday it aimed to sell more than one million autos this year and reach a pre-crisis record set in 2008.
Euro wobbles on eurozone finance jitters
LONDON (AFP) - The euro lost ground against the dollar Tuesday on revived concern for the financial fate of Greece and other eurozone members and resistance to a planned IMF-style European Monetary Fund.
Europe targets credit default swaps traders
STRASBOURG (AFP) - Europe turned its sights on Tuesday on the controversial trade in insurance against sovereign loan defaults, the latest consequence to arise from market panic over spiralling Greek debts.
Israel, Syria eye nuclear power plants
PARIS (AFP) - Israel and Syria each announced plans Tuesday to develop nuclear power to meet the energy needs of the volatile Middle East, during a conference hosted by France to promote reactors.
Philip Morris to sue Norway over tobacco display ban
OSLO (AFP) - Global tobacco giant Philip Morris said Tuesday it planned to take the Norwegian state to court in an attempt to overturn a law in the Scandinavian country banning the display of cigarettes in stores.
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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