Tag Archives: experian

Via breibart: SOME CONSUMERS WILL SEE CREDIT SCORES JUMP, STARTING THIS MONTH

13 Apr

Via @wearebreitbartCredit scores for some consumers will jump by as much as 30 percent, starting this month, due to changes in how credit companies report consumer debt and payment history.
The new reporting standards, set to kick in on April 16, the day before Tax Day this year, will require all three major credit reporting companies to exclude tax liens from credit reports, thereby improving credit scores, CNBC reported.

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The Terrorists in Your Wallet and the Seal Team 6 in your Mind.

11 Nov

The Terrorists in Your Wallet and the Seal Team 6 in your Mind.

Like many Americans I’ve been the victim of identity theft. Twice. And while it is upsetting it isn’t quite the daunting task that most people believe. Ill help you get started.

-Paperwork and Phone Calls.
Beating credit theft is imminently doable. America has a recent overhaul that helps or hurts depending on perspective. For now though we will focus on the other parts.
So your card gets declined. Now you’re embarrassed. And your credit is ruined.
Nope it isn’t. You can fix this. You can reclaim everything. It all starts with a simple phone call. Call the company issuing your credit card. Alert them to the issue and list every transaction that is questionable.
Write out the name of who you spoke with and their title. Get an id# of they have one. I always ask for a manager. Go to the top. It gets things done faster. Print and highlight the thefts. Staple all this together. As well as any correspondence you get from them.
Also make sure your card is canceled- as in the number not the account. You can close the account but your credit score will drop as your debt to credit ratio will drop.

-Check your Accounts weekly or better.
All of them. Every type. Without Fail. Get it done. No excuses. No lies. There is always time to secure ones future. Your credit is in your hands.
Setup email and text alerts. Its free at many banks if not all. I personally check my bank accounts and credit accounts every 2 to 5 days. Why wait for free help when you can be proactive? Manage your finances like you do your itunes.

-Get Your Free Credit report Every Year. The government has set aside a permanent website and free credit reports from the 3 major credit companies- Experian, Equifax, and Transunion. In my experience Experian holds the most weight. But all can effect your credit scores et al.
Here’s a nasty secret though: there are 6 credit bureaus. Ouch right. I used to have info on 4 out of 6 but that’s it. I will suggest though that you folks get your fico aka fair isaac score. This one holds a lot of weight. You need it more than you think. Pay if you have too. Now at the bottom of this post ill have the links to the 3 big boy sites and the government secure site to get your anual credit reports. So now that I’ve done the leg work you are free to simply monitor the reports. Once you get them- peruse them with extreme prejudice. Anything that is even 4 cents off must be questioned. Call, write, email. Whatever. Get responses, get answers.
And those boiler plate, pre-fabricated letters all over the net- skip them. The big credit companies have robotic programs that know the format and even the type fonts. Scary in a way but efficient and innovative. Beat them by being starkly real.
Till then my folks:
#findyourfuel

Equifax: 1-877-576-5734; http://www.alerts.equifax.com

Experian: 1-888-397-3742; http://www.experian.com/fraud

TransUnion: 1-800-680-7289; http://www.transunion.com

https://www.annualcreditreport.com/cra/index.jsp

 

#thriveorsurvive

Thoughts? Concerns?
Questions? Think I’m wrong?
Let’s chat.
Need ideas?
Want to learn how to invite?
Let’s chat.
Want a mentor or maybe the guy who will bounce ideas back and forth with you?
Let’s chat-
Tony@Changeinadvance.com
@changeinadvance
http://www.changeinadvance.com
Or simply reply to this article.

Once more:

Quick Tips for my readers to get some free help from the GOVT!

6 Aug

Two tips for my readers to get free help.

Tip #1: Have you got your free credit reports (3) from the gov?
Go to http://www.annualcreditreport.com.
The only place to get no requirement, totally free credit reports certified and guaranteed from the government (www.Ftc.gov). Get your three every 12 months free.
Also anytime you are denied credit- you can get at least one report. Anytime you are a victim of credit/identity theft you are entitled to a free report from each of the three major credit unions.
Lastly http://www.creditkarma.com will monitor your score free with no issues year round. They only use Transunion to obtain your score/info.
—-
Tip #2: Have you listed your phones, (up to 3) on the do not call registry?
http://www.donotcall.gov
Great way to cut spam and wasted minutes et al. It will allow you to put three phone numbers and it does NOT expire
Simply use email to verify and kiss annoying guys goodbye.

There’s always more @:
http://www.changeinadvance.wordpress.com

#thriveorsurvive.

#thriveorsurvive

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