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Nonprofit Credit Counseling Agency Provides Tips to Help Consumers Check Accuracy of their Credit Reports

Deerfield Beach, FL (PRWEB) November 30, 2011

Debt Management Credit Counseling Corp. http://www.dmcconline.org, a nonprofit credit counseling organization (“DMCC”), announced today they provide tips for consumers to maintain accurate information on credit reports in order to receive the best credit rating, services and interest rates from lenders. As more consumers are struggling to find employment, it is their credit reports that may distinguish two candidates apart. It is estimated that 50% of all consumer credit reports contain at least one error. Many errors result from the incorrect reporting from creditors to the credit bureaus, including nonpayment or late payments, misfiling by a department store credit line, a mix up between family members with the same name, and accounts opened without the consumer’s approval by someone committing identity theft.

To start the process of removing inaccurate information from a consumer’s credit reports, DMCC first recommends obtaining the three free credit reports from AnnualCreditReport.com. This is a secure site where consumers can receive a free credit report from each of the credit bureaus, Experian, Equifax and TransUnion once every twelve months. “Be weary of other sites offering free credit reports. Typically there is a catch such as having to sign up for a service” states Jessica Stokes, Education and Research Coordinator for DMCC. If errors are found, consumers should write a letter to the credit bureaus stating what specifically needs to be removed. Copies of this letter need to be certified mailed with return receipt requested to the creditor who reported the inaccurate information and each of the credit bureaus reporting this erroneous information.

“Monitoring your credit reports carefully to make sure the erroneous information is removed, is imperative,” stated Stokes. “Consumers need to place importance on following up on all disputed items to make sure when their credit report is subsequently pulled, creditors will be looking at accurate information.” Stokes teaches about the importance of maintaining records for everything. “Keep copies of all mail relating to the situation and write down names and phone numbers”. DMCC also advises to be patient. The dispute process can take months as the credit bureaus deal with millions of disputes on an ongoing basis. Consumers planning to finance a large purchase are advised to order their credit reports at least 90 days in advance in case there are errors that need to be corrected. For a sample letter to send to the creditors and bureaus, visit DMCC.

It is important to note that only inaccurate information may be removed from credit reports. It is illegal to dispute information that is correct. Consumers can read about their rights to dispute inaccurate credit report information under the Fair Credit Reporting Act. Consumers with credit card accounts that are past due may want to consider enrolling the accounts in a debt management plan provided by a credit counseling agency licensed in the state they reside. Debt management plans typically provide lower monthly payments for consumers and some of the major creditors will re-age past due accounts and report them as current to the credit bureaus after the first couple plan payments are made.

About Debt Management Credit Counseling Corp.

DMCC is a nonprofit 501(c)(3) public charity committed to educating consumers on financial issues and providing personal assistance to consumers overextended with debt. Education is provided free of charge to consumers via seminars, workshops, a proprietary financial literacy program, and a vast array of online and printed materials. Free personal counseling is provided to consumers to identify the best options for the repayment of their debt. Consumers interested in speaking with a DMCC certified credit counselor may call (866) 618-3328 or request help at dmcconline.org. DMCC is a HUD Approved Housing Counseling Agency, is approved by the U.S. Trustee to provide bankruptcy counseling and education, and has an A+ rating with the Better Business Bureau.

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©Copyright 1997-

, Vocus PRW Holdings, LLC.
Vocus, PRWeb, and Publicity Wire are trademarks or registered trademarks of Vocus, Inc. or Vocus PRW Holdings, LLC.



Shocking: A Routine Background Check Can Reveal Identity Theft

Los Angeles, CA (PRWEB) June 13, 2006

If you’ve ever applied for job, volunteered, or applied for credit, chances are excellent that a routine background check has been run on you. Despite the fact that most people have some form of background check run on them, very few people have an accurate idea of what a background check reveals about them. This is especially frightening since identity theft is on the rise. Many people only realize after they’ve been turned down for job or credit that their identity has been stolen and has been used by a criminal to steal or to perpetuate crime.

What can you do?

If you haven’t already considered running a full background check on yourself, it’s something you may want to think about. For a modest fee, you can hire a private investigator (http://www.pinow.com) to run the standard type of pre-employment check, credit check, driving check, criminal check, and general background check that employers, landlords, and others can run on you. This can help you determine whether there are any errors on your records that need to be fixed and can help you find out whether someone has used your identity to perpetuate crime. Correcting mistakes and addressing identity theft before someone else runs a background check and finds false information about you just makes sense. Why lose a great opportunity because of someone else’s crime?

How to avoid identity theft

Many people assume that identity theft only has to do with your credit report. Therefore, they only check their free credit reports once a year and assume that all is well as long as no one has been obviously stealing from them. This is very misleading. After all, your driving record, criminal record, as well as your credit record can be affected by identity theft as well. Therefore, one of the first ways of avoiding identity theft is to be alert for all the different types of background checks that employers can run on you. Generally, you should run a full background check on yourself at least once a year to determine any errors or problems.

You can also help avoid identity theft by keeping an eye on your identity papers and identifying information. Do not give your credit card numbers, driver license information, and other personal information over the phone or through the Internet unless there’s a reason to do so and only if someone trustworthy is asking for the information. Any mail that arrives with personal information about you should be destroyed before being discarded. Too many people simply throw out junk mail that has filled out forms that criminals can use.

If a routine background check does show that you have been the victim of identity theft, a private investigator can help you determine who is responsible. Moreover, a professional investigator can provide evidence to police authorities, credit bureaus, driving bureaus, and other departments to prove that you’re innocent. Be sure to fill out a police report and report the crime if you are the victim of identity theft. If possible, try to close down as many accounts affected as possible. For example, you need able to close down affected credit cards and bank accounts to prevent criminals from stealing more of your money. Some law enforcement agencies will also allow you to attach commentaries to your criminal, credit, and other types of records to state your side of the story.

If you would like to consult with a private investigator that specializes in background checks or identity theft, you may visit the PInow.com Worldwide Directory of Private Investigators (http://www.pinow.com).

About PInow.com

PInow.com is a Worldwide Directory of Private Investigators that enables law firms, corporations and the general public to find investigators anywhere. PInow.com strives to be the most trusted resource on the web to locate qualified investigators. All investigators listed on PInow.com are pre-screened and must meet specific listing requirements.

PInow.com was developed by the team that brought you the ServeNow.com Process Servers Directory (http://www.serve-now.com).

Visit PInow.com to find investigators who can help with all your investigation needs.

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©Copyright 1997-

, Vocus PRW Holdings, LLC.
Vocus, PRWeb, and Publicity Wire are trademarks or registered trademarks of Vocus, Inc. or Vocus PRW Holdings, LLC.

More Free Credit Report Once A Year Press Releases



NationalCreditReport.com Reminds Consumers to Check Their Financial Statements to Identifying Items that Can Cause Credit Report Damage

Credit Monitoring Services

Delray Beach, FL (PRWEB) August 20, 2010

NationalCreditReport.com, a leader in credit report, credit score and credit monitoring services, reminds consumers that while participating in a credit monitoring service is an effective way to be notified of critical changes in one’s credit report, they should also be diligent about promptly checking their bank account and credit card statements for mistakes that can cause credit report damage.

“Credit monitoring services scan a person’s credit file for new activity, account changes, credit fraud and identity theft,” said Samuel S. Ambrose, Vice President of Marketing and Operations of NationalCreditReport.com. “However, significant credit report damage can be caused in the form of mistakes on credit card or bank account statements as well as fraudulent charges by identity thieves.”

In addition to items that can cause credit report damage, Ambrose notes that it is also important to review financial statements to ensure that you are protecting your own pocketbook. “Make sure that all of the charges on your statements are accurate and made by you,” said Ambrose.

While examining financial statements and obtaining credit reports to check for inaccuracies are not means of actually preventing identity theft, Ambrose notes that it is wise to review these statements as soon as they are received to detect possible fraud and prevent any further unauthorized use of your accounts. “Preventing identity theft is an uphill battle,” said Ambrose. “However, smart consumers are diligent about checking their statements and obtaining credit reports regularly to watch for any significant red flags.”

As in all cases of a compromised identity, NationalCreditReport.com suggests participating in a credit monitoring service especially if you think you might be a victim of identity theft. Credit monitoring services scan your credit reports for significant changes and alert consumers via e-mail if they are found. A credit monitoring service provides a convenience to the consumer who then does not need be concerned with obtaining credit reports and reviewing the reports regularly.

About NationalCreditReport.com

Since 2004, NationalCreditReport.com has specialized in providing credit information and credit monitoring services to consumers to help them understand their credit report and score. NationalCreditReport.com encourages consumers to obtain their credit report on a regular basis.

Contact:

Allison Tomek

NationalCreditReport.com

561-805-8000

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©Copyright 1997-

, Vocus PRW Holdings, LLC.
Vocus, PRWeb, and Publicity Wire are trademarks or registered trademarks of Vocus, Inc. or Vocus PRW Holdings, LLC.

Why Should You Check Your Credit Report?

Why Should You Check Your Credit Report?

Checking your credit report is one of the most talked about themes nowadays. You need to maintain your credit score at a healthy level especially at a time when you require a loan. There would be circumstances where lenders would draw your credit report to judge your creditworthiness. If your credit is poor, you might get denied for a loan and it is certainly not a pleasant feeling. You must have heard about annual credit report that offers you a free of cost credit report from all three major credit bureaus, yet you would not receive your FICO scores. You can obtain this report once every year. Many changes might take place in your credit report within a period of one year. Following are some instances.

Erroneous Credit Report

Surveys have demonstrated that mistakes are quite frequent in credit reports and can spoil your capacity to obtain loans. Incorrect details in your credit report would also damage your credit rating. If your credit rating is put at risk, it may hinder you in getting a good job, a loan or better interest rates. In the credit reporting procedure, man-made mistakes occur over and over again. For reporting details regarding you, the lenders pay money to somebody. On occasions, these details might have been entered wrongly and consequently, your credit score goes down.

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Protection of Identity Theft

In every three seconds, a case of identity theft is happening. When you consider this, somebody might be in the process of stealing your identity as you are going through this article. This is quite intimidating. If an identity thief has the access to your personal details and is utilizing your credit, you can’t detect that unless you draw your credit report. It can happen that some perpetrator is opening accounts in your name and buying things. Anything he does, you would not possibly come to know till it is very late. If you have arranged credit report monitoring services, you would receive e-mail alerts if any significant alterations happen to your credit report. These alterations might include somebody availing credit in your name and spending frivolously through your credit.

Conclusion

You should check your credit report as it is not something that can make you intimidated. It is always a plus factor. If you can handle your credit suitably, then you would draw your credit boldly. You can visit creditors and avail loans at better interest rates. Because many events can take place to your credit within such a small time, you must obtain a copy of your free credit report every two to three months. If you check it once a year, you would be asking for trouble and would stay in dark as to what is happening in your credit report. Save yourself by remaining on top of your credit report. Hence, check your credit report immediately.

Find More Check Your Credit Report Articles

Are You the Victim Of a Craigs List Certified Check Scam?

Copyright (c) 2011 Opperman Investigations Inc

Have you become the victim of a Craigs List certified check scam? There are many different kinds of Craigs List scams but the main ones that most people fall victim to involve fake certified checks. After all if it’s a certified check or a money order it must be ok right? Wrong!

Here’s how it usually works. An innocent person places an ad on Craigs List. It could be to sell an item or rent out an apartment. But it’s some kind of transaction where the person placing the ad is asking for payment for a goods or services.

An offer comes in reply that seems almost too good to be true. someone wants to buy your item or rent your room and they have certified funds they want to send you ASAP in order to close the deal. When the certified check or money order arrives it turns out the buyer made a mistake. They sent you too much money. You email to explain the mistake and they tell you to just deposit the funds and apply it to next months rent.

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So you go to your bank and deposit the check into your account. Suddenly you get an urgent message. The buyer has an emergency and needs you to wire him the overpayment right away. He’s sorry for he unconvinced but he needs the overpayment so badly he’s willing to take less that you owe him if you can just wire the money right away. You go to your bank and only a portion of the check has cleared. You assume the check must be good so you withdraw enough to wire to your new roommate that’s in urgent need of your help.

Now what happens next is you get a notice from your bank that your account is overdrawn. It seems that the certified funds were no go and since you withdrew funds against it your bank wants the money back right away. You try to contact your new Craigs List friend but he no longer replies to your emails or answers your calls.

That’s basically how it goes but of course thee are variations. If this has happened to you there may be help if you can trace the buyers emails back to an address within the US. If you can you can get the police to investigate and maybe get your money back. However if the emails trace to out side of the USA your money may be lost forever.

You’ll need to find a professional investigator that is familiar with Craigs List Scams and successful at tracing emails back to the sender.

Find More Money Order Scams Articles

No Credit Check Signature Loans: Procure Cash Hassle Free

Don’t be stopped in your task and carry on task because No Credit Check Signature Loans have come with a large ,000 in the market. There are many lenders or companies providing No Credit Check Signature Loans without scanning the credit history of the borrowers. The lenders who are attached with No Credit Check Signature Loans ready to stand by in the borrower’s favor because the major task of the lenders of No Credit Check Signature Loans is convenient to their clients besides it the lenders of No Credit Check Signature Loans also consult their clients about No Credit Check Signature Loans. What is the method of availing No Credit Check Signature Loans? When the borrowers apply for No Credit Check Signature Loans, the borrowers have to fill up an online application form, after verification the No Credit Check Signature Loans amount will be wired in the borrower’s account within few hours on the same day or business the borrowers apply. No Credit Check Signature Loans can be used for various purposes like remodeling home, car repair, debt consolidation, pay the treatment bill, electric bill, college fee of your children, spend the money in bridal, invest the money in property, etc, besides these you can use No Credit Check Signature Loans other options like start a new business, plan to higher study for your child and dream vacation.  The interest rate or repayment process for No Credit Check Signature Loans is very attractive in its nature. The interest rate is low and the repayment process is large. You can repay the No Credit Check Signature Loans within 5 years. If you don’t repay the No Credit Check Signature Loans amount within date of maturity, you will have to inform to the lenders for lately repaying amount. If you are succeed to win the faith of lenders, you can escape to pay arrears interest. If you are unable to win the faith of the lenders, you will have to pay the slightly arrears interest rate. To escape this tension you should repay the No Credit Check Signature Loans amount on time. No Credit Check Signature Loans are usually provided keeping in mind good credit history. An unblemished credit history with a positive credit report will be the leading contender for No Credit Check Signature Loans. No Credit Check Signature Loans simply require a signature. A good credit history will ensure you get the loan with no collateral. Business which have good credit and generate profits can easily file for No Credit Check Signature Loans. Also, if a company can demonstrate good management skills, they can access a signature loan. Getting a No Credit Check Signature Loans would add to your good credit. Your collaborators and your suppliers would deduce your financial well being from the fact that the loan lender has supplied you the loan simply on your signature. No Credit Check Signature Loans are proved boon for the bad credit history because repaying No Credit Check Signature Loans they are living life hassle free.

Check FICO Credit Score Free and With No Hassles

Knowledge is a very powerful instrument. Being aware of something can help anyone stay on top of the game and have a clear plan of what to do in the future. This holds true even when dealing with finances. It is not enough to be able to maintain a decent pay and to allocate resources accordingly. Credit is an important part of one’s financial status; thus, it is essential to know once credit score. What keeps others from doing this is fear of shelling out funds for obtaining their credit report. Luckily, there are ways to check FICO credit score free. Here’s how.

There are several options as to how one can check FICO credit score free. The first is to obtain it directly from the three credit bureaus. However, this may take time and there is a short window for the free trial offer. Thus, with this option, one might not be able to obtain a credit report without exceeding the free trial period. In addition, it would take more time signing up for each of the three credit bureaus just to obtain all three reports. The only advantage is that one can obtain his credit score directly from the three bureaus, nothing else.

Another alternative in order to check FICO credit score free is by signing up for such online services. Nowadays, one can easily find a website that offers to provide free credit report from all three credit bureaus with just one sign up. Since there are a lot of sites offering these services, one should be able to choose using the following considerations: safety, quality of service, credit repair services. If one is serious in getting a good credit score, obtaining one’s current credit report is only the first step. Once it is obtained, one should be ready to take action in terms of correcting or disputing incorrect items in order to get a better credit rating in the future.

Once one is able to check FICO credit score free, he will be able to know where he currently stands. Banks and creditors check one’s credit score in order to determine whether a person is qualified for a loan and mortgage. In addition, one’s credit score will determine the applicable interest rates for a particular loan or mortgage. This is why one should first obtain a copy of his credit report before applying for any loan. Once the credit report has been sent to a bank and is used to evaluate a loan, it will take a long time to dispute an incorrect item.

There are a lot of advantages when one has the initiative to check FICO credit score free. The most important aspect is that one will be able to fully control his finances and will be able to get the best rates for a loan or mortgage. In these trying times, lower interest rates really mean a lot and it can help someone take control of his finances better. In addition, it would be frustrating to know that one is paying a higher interest rate just because he failed to check or get a copy of his credit report prior to applying for a loan.

My take on the similarities between FICO scores and other standardized testing scores that your life depends on.

Monitoring Your Background Check Can Prevent Identity Theft

If you have never been a victim of identity theft, please read this. There are ways to help prevent identity theft from happening. For those who have already been a victim of identity theft, this article should prove helpful to you as well. There are ways to reduce the risk of identity theft and everyone can benefit from being more informed on the subject. Identity theft is taking place every day and is increasing at a rapid rate all across the U.S.

Monitoring your background check can help to prevent identity theft. This method has proven highly effective in determining whether you could be at risk for identity theft. Monitoring your own background check will give you the ability to find any false information that someone else could have entered while stealing your information. You may not believe this is happening today, but it is becoming more prevalent across the U.S. Identity theft is one of the worst crimes committed against an individual. Personal records are stolen and used by the person stealing them. You are at risk of having your social security number stolen, along with your phone numbers and other private information. Many insurmountable problems result from identity theft.

The consequences of being a victim of identity theft are difficult to comprehend. The result of losing private information can cause numerous problems and personal grief for months or even years to come. Monitoring your background check can prevent identity theft. Take precaution, be safe. Don’t let identity theft happen to you. Visit http://www.mybackgroundcheck.com to learn more about monitoring your background check and preventing identity theft.

Check my credit score to get credit fast

The credit score affects the creditworthiness of an individual. This will assure the debtor that a good credit score gives more chance of getting a loan approved as soon as possible, getting a job application approved quickly and getting a new credit card at a lower interest rate.

A law known as Fair and Accurate Credit Transactions Act was enacted in 2005 in a call for the credit bureaus to release the individual’s credit score for an affordable price. The release of each credit history must include the current credit score and the probable scores to achieve. It also amended that Mortgage lending companies provide a clear credit score open for individuals to see upon request to avoid issues regarding low credit score.

Controversial Fee. Colorado, Goergia, Maryland, Massachusetts, New Jearsy, and Vermont have agreed on giving out the credit reports of the residents upon request for free. Connecticut, Maine, Minnesota, California and Montana, filed for a discounted fee and while other states charge the standard fee for any credit history request.

Legal Action. Without regularly checking of credit score, there are more chances that alterations could be done against your credit history, therefore will lead to a legal action against you by the bank, or any notified creditor. You are free to check on your credit score when it’s already too late. There are possible inauspicious actions that could be taken against the debtor, in cases such as denial of charges, termination of credit, changes in the agreed offer, limit and insurance. Therefore it is the right of the debtor to file for a credit report the soonest possible time.

Credit Report. Upon receiving your credit report and knowing the credit score. Another advantage of having it checked is you can use it for application of credit and insurance, for leasing of property and for house needs. This will also give you chance to put credibility on your employment. This will also give you chance to prove the inaccuracy of credit reports against you and clear your name for future business transactions.

Good reputation. A good credit score will give a hint on bank to retain the account and recommend you for a higher credit limit that will give you good credit score. A good paying debtor could be a very important customer of a bank.

It is your right to check credit score to avoid inaccuracy and issues in the future. Please always be mindful of your spending and credit limit.



NationalCreditReport.com Urges Consumers To Check Credit Score When Going To Buy A Car

Delray Beach, FL (PRWEB) December 14, 2009

NationalCreditReport.com, an industry leader in credit monitoring services, explains to consumers the difference between a good credit score to buy a car and a bad one. It’s become very important for consumers looking for online and offline auto loans with good or bad credit scores to know this information to ensure they are receiving the lowest auto financing interest rate available.

Car dealerships base their auto financing programs on how high a person’s credit score is when buying a car. When an auto company sees a buyer with great credit, they will offer the best interest rates otherwise they risk losing a customer looking elsewhere – offline and online for auto loans with good or bad credit. By knowing what your credit score is you will know if you’re getting the best interest rate or if you should price out other dealerships.

“Knowing your credit score when buying a car, will give you an advantage when trying to finance a new or used automobile. Monthly payments could fluctuate by hundreds of dollars depending on someone’s credit score and credit history,” said Samuel S. Ambrose, Vice President of Marketing and Operations at NationalCreditReport.com. “We recommend people check their credit reports at least twice per year and again prior to making any big purchase to review financing options.”

About NationalCreditReport.com

Since 2004, NationalCreditReport.com has specialized in providing a variety of free credit history reports and information to consumers to help protect them from identity theft. The Company helps people obtain the best interest rates for credit cards, auto financing and more by providing important information when looking for online auto loans with good or bad credit, by offering free instant credit reports.

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©Copyright 1997-

, Vocus PRW Holdings, LLC.
Vocus, PRWeb, and Publicity Wire are trademarks or registered trademarks of Vocus, Inc. or Vocus PRW Holdings, LLC.