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AnnualCreditReport.com
Is the only authorized
source to get your free
annual credit report
under federal law. You
can request your free
report online, by phone
or by mail. Visit
AnnualCreditReport.com
call 1-877-322-8228, or
fill out the Annual Credit
Report Request form
and mail it to Annual
Credit Report Request
Service,
PO Box 105281,
Atlanta, GA 30348-5281.
The Fair Credit
Reporting Act
guarantees you access
to a free credit report
from each of the three
nationwide reporting
agencies, Experian,
Equifax, and
TransUnion, every
twelve months.
No matter how you
request your report, you
have the option to
request all three reports
at once or to order one
report at a time.
Why should I request
my credit report?
Because the information
in your credit report is
used to evaluate your
applications for credit,
insurance, employment,
and renting a home,
you should be sure the
information is accurate
and up-to-date. In
addition, monitoring
your credit is one of the
best ways to spot
identity theft. Check
your credit report at
least once a year to
correct errors and
detect unauthorized
activity. If you see
accounts you don’t
recognize or information
that is inaccurate,
contact the credit
reporting agency and
the information
provider.
If you suspect identity
theft, you may need to
place a fraud alert on
your credit report, close
compromised accounts,
file a complaint with
The Federal Trade
Commission (FTC),
or file a police report.
Start by visiting the FTC
identity theft website.
If you suspect you have
been the victim of spam
e-mail or have a
complaint of fraudulent
advertising activities
contact
The Federal Trade
Commission. They have
received complaints
from consumers who
thought they were
ordering their free
annual credit report, but
instead paid hidden
fees or agreed to
unwanted services.
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FHA Loan Eligibility
You may be a good candidate for an FHA loan.
An FHA loan is a federally insured loan made by the Federal Housing
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first-time home buyer.
- Low closing costs. Using an FHA-approved lender usually means
lower closing costs than a conventional mortgage.
- Easier qualifying. Those with less-than-perfect credit are more
easily approved for a loan through FHA programs because the
federal government insures them.
- Lower overall costs. An FHA loan can have a better interest rate,
which cuts down on the overall cost of the loan.
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Eligibility requirements
You must meet certain qualifications for an FHA loan
Good candidates
Certain borrowers are better suited for an FHA loan than others.
if you are a first time home buyer, an FHA loan may be a good option
If you meet the FHA eligibility requirements and seem to be a good
candidate for an FHA loan, you can contact an FHA-approved lender to
see if you can qualify for a mortgage. However, it is always important to
compare when shopping for a mortgage. Investigate conventional
products, too, to see where you can get the best deal.
Find out if you may be eligible for an FHA loan now through LendingTree.
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The Equifax Small
Business web site
allows customers the
ability to easily and
immediately buy small
business credit
reports or subscribe
to monitoring
services on
businesses in the
United States.
Customers can
register and
purchase within
seconds using a
major credit card.
Unlike traditional
business credit
reporting services,
Equifax Small
Business goes
beyond payables and
trade account
information and
eliminates the bias of
self-reported financial
information and
selective provisioning
of business
references.
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The Fair Credit Reporting
Act (FCRA)
Wikipedia.org A federal
law that gives you the
right to accurate credit
reporting. Exercise that
right by having your
questionable credit
listings either verified as
accurate or removed
from your credit reports
according to the law.
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