Credibility counts. And no one knows it better then the credit bureaus. These are the places where you can get a rating to certify your creditworthiness. And of course they charge you for it. The approach is simple enough. They keep an eye on the credit transaction that a person enters into and then its repayment. The banks and credit…
Tag: Bureaus
Student Credit Cards An Introduction
Just as the term itself suggests, student credit cards are credit cards meant exclusively for students, many of whom are yet to earn a documented income with employment. Credit card issuers are mindful of students and their credit challenges so they make accommodations for students when building student credit card offers specifically. Typically, the only constraint when applying for a…
Credit Report Form Three National Credit Bureaus
Today any resident can have one free copy a year of their credit report from each of the three national credit bureaus. The annual free credit reports are mandated by to reduce the incident of identity of theft by encouraging consumers to regular check their credit histories for suspicious activity, such as a new credit card account that was never…
Credit Bureaus Who Are They
Credit bureaus sell credit reports to credit grantors, such as banks, finance companies, and retailers. Additionally, credit bureaus will sell credit reports to potential employers, landlords and insurance companies. Businesses and Credit grantors use credit reports to determine creditworthiness. There are three major companies that are in the business of collecting and distributing credit histories on all Americans. If you’re…
How To Become A Motivational Speaker
Steps: 1. Evaluate your special message. Consider what it is that you have to say that would be of value to others–have you experienced great adversity, or received some special education? In order to succeed as a motivational speaker, you must have something special to deliver. 2. Carve out your niche. Motivational speaking is, in many ways, a product that…
Credit Reports And Scores Often Confuse Consumers
Most people who are of an age to care about their credit are aware that the three main credit bureaus, Experian, Trans Union and Equifax, maintain credit reports on them. The bureaus keep track of loans, credit cards and bankruptcies and make note of whether each consumer pays his or her bills on time. Most people are also aware that…
How To Get A Copy Of Your Credit Report
One of the most important things that you can do to maintain an accurate credit score and report is to request a copy of it on a regular basis. Credit reports are usually defined as a document that summarizes your financial reliability and many lenders and other entities regularly report your financial performance to credit reporting agencies during the year.…
Mortgage Rate Credit Score Watch What You Pay For
As amazing as it may seem, when it comes to getting a credit rating not all credit scores are the same. When you pay to get a rating number it may not be the same one your lender sees. What are the implications of this? Well for starters it could mean the difference between getting a mortgage or not, getting…
Identity Theft Recovery The Road Back
Not too long ago, a friend of mine mentioned that one of his coworkers recently recovered his stolen identity. I asked how long the process took. “Only two years” he replied. Compared to my business partner’s six year nightmare “only” maybe appropriate but like most victims of identity theft, he probably thought “when”. As in, “when will I get my…