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21 Oct 2010, 10:07 am by admin
Inaccurate, negative information on credit reports can impact you in so many ways, we should all take advantage of the federal law that requires national consumer reporting agencies such as Equifax, Experian and Trans Union to provide a consumer his or her own credit report upon request for free. [read post]
23 May 2012, 8:00 am by Julie Brook, Esq.
If a consumer notifies the credit reporting agencies (the “big three” are Equifax, TransUnion, and Experian) that he or she disputes the completeness or accuracy of any item in the report, the agency has 30 days to conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and to either (1) record the current status of the disputed information or (2) delete the item from the file. 15 USC §1681i(a)(1)(A). [read post]
The second would clarify questions around “credit heading data,” which is the data used by credit reporting companies such as Equifax, Experian and TransUnion. [read post]
23 Dec 2008, 3:57 pm
For credit reporting it means the furnisher (the bank or whoever wrote the account off) must report to Equifax, Experian, TransUnion, and the other credit reporting agencies that the account has actually been charged off. [read post]
18 Jul 2011, 10:39 am by slemberg
While the big three credit bureaus – Experian, TransUnion, and Equifax – are familiar to virtually everyone and are required to provide consumers with one free credit report per year, there are a slew of other credit bureaus known collectively as the “fourth bureau. [read post]
21 Oct 2010, 10:05 am by Gordon
Inaccurate, negative information on credit reports can impact you in so many ways, we should all take advantage of the federal law that requires national consumer reporting agencies such as Equifax, Experian and Trans Union to provide a consumer his or her own credit report upon request for free. [read post]
10 Jan 2012, 12:45 pm
First things first, order an official copy of your credit report from all three credit reporting agencies: TransUnion, Experian, and Equifax. [read post]
26 Jul 2012, 6:02 am by Paul J. McAndrew, Jr.
Social Security uses a program called Experian to verify your personal data, so be prepared to answer some interesting multiple-choice questions, including phone numbers and addresses that you may have used in the past, dates that you opened specific credit accounts, or where you send your mortgage payment. [read post]
27 Feb 2008, 1:23 am
Fees to initiate a credit freeze are anywhere from $5-$10 and must be initiated with each of the three major credit bureaus (CSC, Experian, and TransUnion). [read post]
17 Apr 2012, 2:41 pm by Andrew Lustigman
While the report stopped short of calling for "do not track" legislation, the report places significant heat on data brokers such as Lexis Nexis, Experian, Acxiom, and U.S. [read post]
13 Jan 2009, 6:26 pm
      These companies are credit reporting agencies just like Equifax or Experian and merchants use these companies when deciding whether or not to accept a check from a customer. [read post]
27 Jul 2009, 3:30 am
Trans Union is the provider of this service, and one would have thought the lessons that Experian learned (after the FTC went after them) would be apparent: you should be upfront on the website and say to get your “free” scores you must join a trial program for $1 and that it will cost you money if you fail to cancel within X period of time. [read post]
15 Mar 2012, 11:25 am by Bankruptcy Legal Group
According to the director of consumer and public education at Experian, one of the major credit-reporting bureaus in the U.S., a 30-day late payment on one's mortgage can result in a 60- to 110-point drop in one's credit score. [read post]
29 Aug 2011, 9:18 pm by slemberg
Federal law mandates that each of the big three consumer reporting agencies (Experian, TransUnion, and Equifax) provide you with one free report every 12 months, as well as a free report if you’ve been turned down for credit, housing, or employment due to something in your credit report. [read post]
15 Feb 2014, 8:17 am by Thomas McAvity
Granted your bankruptcy filing will show up on your credit report for a period of time, though it will likely have only a fleeting impact on your actual credit score, but unless someone has a permissible purpose for obtaining a copy of your credit report, your secret is safe with Experian and Equifax. [read post]
10 Feb 2012, 3:36 pm
The average Tennessee resident now owes $24,043 in credit cards, personal loans, and auto loans - a $500 increase over last year, according to credit reporting agency Experian. [read post]
28 Jul 2010, 5:38 am by Eva Rosenberg
They are one of three major credit agencies who determine your credit rating – Equifax, Experian and TransUnion. [read post]