Everything you need to know about credit reports
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DAVE HUBERT, a certified credit counselor in Santa Rosa for the nonprofit Consumer Credit Counseling Service of San Francisco, discusses what consumers should know about credit reporting. PRESS DEMOCRAT: What are credit reports and how are they used? HUBERT: A credit report consists of financial and credit-related data collected by credit-reporting bureaus. The three largest bureaus in the United States today are Equifax, Transunion and Experian. They gather information from banks, credit unions, mortgage lenders, finance companies and retail establishments that usually includes dates accounts were opened, current balances, high credit limits, and co-signer. The bureaus search court and county records for lawsuits, judgments, bankruptcy filings, and other legal claims including amounts owed for taxes. They also note accounts and amounts that are being disputed. This information is provided along with identifying personal data to creditors, employers, landlords and anyone who has a ``legitimate'' business use for the information upon their request. These requests are called ``inquiries'' and may also be recorded and remain on the credit report for up to two years. PRESS DEMOCRAT: Please explain credit scoring. HUBERT: A credit score is a snapshot of your credit risk at the time a report is run. There are several different scoring systems, most based on what is called the FICO scoring model. The mathematical model used to compute these scores has not been shared with the public. However, the better the payment history and the lower the outstanding balances, the higher the score. Scoring scales range between 300 and 850. A score of 750 may be required by a particular bank to qualify for a gold credit card while 675 might indicate the applicant is a better match for a standard card. Home buyers generally want to make sure their score is above 650. PRESS DEMOCRAT: What are an individual's rights under the Fair Credit Reporting Act? HUBERT: The FCRA was first passed in 1971 and has been updated since then. It was designed to address consumer concerns over the growth of credit-reporting bureaus and the way they gather, maintain and release credit information. It also gave consumers the right to receive a free copy of the credit report under certain conditions. Consumers denied credit because of information listed on a credit report are entitled to a free copy of the file. This right was extended to those whose employers or prospective employers requested the report, as well as to individuals on public assistance and those who feel their credit file contains errors that resulted from fraudulent use of credit cards. The Fair and Accurate Credit Transactions Act of 2003 is an amendment to the FCRA. The three nationwide consumer-reporting agencies will be required, upon request, to provide a free copy of an individual's credit report once every 12 months. Californians will be eligible December 1, 2004, while other parts of the country may not be able to get this free report until 2005. PRESS DEMOCRAT: How can one obtain a credit report? HUBERT: With proper identification, a consumer can contact any of the three major credit bureaus by mail or online to receive one. For a small fee, they will provide you with their version of your credit history. If you are thinking of purchasing a home, it is important to look at all three credit reports as most lenders will be looking at the same reports. The FICO score or other similar lending-risk score is usually offered at an additional cost. At the Santa Rosa branch of Consumer Credit Counseling of San Francisco, 85 Brookwood Ave., one can obtain a copy of all three credit reports after providing proper identification and a small fee. The CCCS also will set aside time to go over the reports with a trained counselor and any questions will be answered at no extra charge. PRESS DEMOCRAT: Why is it important to check credit reports and how often? HUBERT: If you have concerns regarding identity theft, some experts suggest checking your credit report as many as four times a year. You might also consider subscribing to a credit-monitoring service. The average consumer need not maintain this level of scrutiny, though one should make sure credit information is accurate before looking for a new rental, getting a new job or preparing for a large purchase such as a house or car. This way a person will know what a decision maker may be looking at and have some time to clean up any blemishes on the report. A credit report also should be checked following a divorce. PRESS DEMOCRAT: Does ordering a credit report affect a score? HUBERT: There is a lot of hearsay out there on what kind of impact ordering one's own credit report can have on the credit score. Ordering a copy of your own credit report does not hurt your score. If you apply for new credit, an inquiry will be noted but it should knock no more than five points from your credit score. If you want to minimize the damage that might occur from applying to multiple sources for a home loan, apply within a short time frame. Your credit score will respond to a cluster of applications done in one 14-day period as if it were just one inquiry. PRESS DEMOCRAT: How do you correct errors on a credit report? HUBERT: Mistakes are very common on credit reports. If you notice a mistake or outdated information, contact the credit bureau. Clearly describe the mistake and dispute all errors. The bureau must conduct an investigation, which is usually completed within 30 days, and must report back on the results. Anyone who has recently received a copy of the report must be notified of any changes that resulted from the corrections. PRESS DEMOCRAT: What are some clues to instances of identity theft on a credit report? HUBERT: When reading your credit report, it's usually easy to detect instances of unauthorized activity, such as accounts you never opened in places you have never been. It's important to note some accounts you opened might now be serviced by other financial institutions. If one bank has acquired another's credit card portfolio, it will probably show up as a credit line with the new financial institution. This is not an indication of theft. There is a section of the report where past addresses and other names you might have used are listed. You should always be suspicious when strange addresses and names are linked to your Social Security number. Unfortunately, the latest statistics on identity theft reveal the thief to be a family member or relative in 9 percent of all cases. PRESS DEMOCRAT: What is the best way to rebuild a credit score? HUBERT: If you pay bills on time, your credit score can only get better. Payment history carries the most weight in determining a credit score. Creditors love to see a good deal of space between the amount of credit you have available and how much you are using. So try to pay down debts and try to charge less. Keep older accounts open -- it lengthens your credit history and makes you seem more credit worthy. Finally, don't be afraid of credit counseling. Consumer Credit Counseling Service can negotiate lower interest rates and help you pay off your bills in a few years. Today's FICO score ignores any reference to credit counseling or debt management programs. Staff Writer Michael Coit conducted this interview by e-mail last week.
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Videos tagged with creditreports
Cambridge Credit: Credit Card Fees
by rss@youtube.com (CambridgeCredit)
28 Aug 2008 at 8:26am
This week Thomas Fox, Community Outreach Director, discusses the various fees charged by credit card companies. Learn Now or Pay Later is a weekly personal finance series produced by Cambridge Credit Counseling Corp. These webisodes focus on topics such as the economy, credit reports and scores, budgeting and identity theft. The goal of this educational series is to better prepare the public to deal with matters pertaining to credit, debt and money management.
Author: CambridgeCredit
Keywords: Thomas Fox Cambridge Credit Coubseling Corp. Cards grassroots outreach nonprofit public service announcements
Added: August 28, 2008
FreeCreditreport.com commercial-Bicyle (Chipmunk style)
by rss@youtube.com (87john3)
26 Aug 2008 at 10:21pm
I really dont know why I did this, but I was bored. Anyway, Enjoy =D
Author: 87john3
Keywords: Creditreport.com Credit Report .com chipmunk Bicyle commercial creditreport
Added: August 26, 2008
Remove Charge-off from Credit Report
by rss@youtube.com (hqpwoe15)
24 Aug 2008 at 12:07pm
http://www.lexcredit.com "And as a result, my credit was, really, just shot. I felt that there was no hope. Essentially, I found Lexington Law Firm... and I've had 50 deletions on my credit reports."
Author: hqpwoe15
Keywords: remove judgment deletion credit report repair negative listing item bureaus law firm
Added: August 24, 2008
Stunt Mcutters Season 1 GRAND FINALE!!!!!!!!!!!!!!!!
by rss@youtube.com (TyValentine)
23 Aug 2008 at 8:11am
ITS THE END OF SEASON 1 FOR STUNT MCUTTERS SEASON 2 STARTS IN SEPTEMBER STAY TUNED
Author: TyValentine
Keywords: STUNT MCUTTERS
Added: August 23, 2008
dancing toddler
by rss@youtube.com (toucanluvr)
22 Aug 2008 at 10:59pm
this crazy toddler shows off his moves to the credit report song. u will fall over laughing!!!
Author: toucanluvr
Keywords: creditreport.com dancing baby toddler
Added: August 22, 2008
All 4 Free Credit Report Commercials (Lyrics)
by rss@youtube.com (gregsayshi12)
19 Aug 2008 at 1:36pm
All four of the freecreditreport.com ads in one video. LYRICS: Pirate: They say a man should always dress for the job he wants. So why am I dressed up like a pirate in this restaurant? It's all because some hackers stole my identity. Now I'm in here every evening serving chowder and iced tea. Should've gone to freecreditreport dot com. (Yeehaw). I could've seen this coming at me like an atom bomb. They monitor your credit and send you email alerts. So you don't end up selling fish to tourists in t shirts. Dream Girl: Well, I married my dream girl. I married my dream girl. But she didn't tell me her credit was bad. So, now instead of living in a pleasant suburb. We're living in the basement at her... mom and dad's. Now we can't get a loan for a respectable home. Just because my girl defaulted on some old credit card. If we'd gone to free creditreport.com I'd be a happy bachelor with a dog and a yard. New Car: Well I was shopping for a new car, which one's me A cool convertible or an SUV Too bad I didn't know my credit was whacked 'cause now I'm driving off the lot in a used subcompact F-R-E-E that spells free credit report.com baby Saw their ads on my tv thought about goin' but was too lazy Now instead of lookin' flyin' roling phat, my legs are stickin' to the vinyl and my posse's getting laughed at F-R-E-E that spells free, credit report.com baby! Bike: Check it out Gas prices Going up sky high Ditch my used sub-compack For a 2 wheel drive Now I'm rolling eco friendly But I still look bad When the bike store saw my credit They said this is all they had I'm singin' F to the R to the E to the E to the C to the R to the E D I T Re to port to the dot to the com Come on everybody grab your bike and sing along its easy
Author: gregsayshi12
Keywords: FRee credit report ad commercial freecreditreport.com dream girl bike 2008 lyrics
Added: August 19, 2008
Credit Cards Low Rate Cash Back Rewards Free Credit Reports Online Loans 0% B...
by rss@youtube.com (Canoe4554144)
16 Aug 2008 at 8:25pm
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Author: Canoe4554144
Keywords: credti card consolidating student loans consolidation consumer debt defaulted direct loan easy education emergency equity fast cash faxless payday federal
Added: August 16, 2008
Horrible- Creditreport.com song
by rss@youtube.com (muskrat564)
16 Aug 2008 at 5:49pm
Clearly we dont know how to follow along with a song
Author: muskrat564
Keywords: Click to add keywords...
Added: August 16, 2008
Credit Agencies and the rip off they cause
by rss@youtube.com (jerryERRN)
16 Aug 2008 at 5:35am
The misuse of Credit reports should not be allowed but, those in our government have no reason to stop the misuse as they are getting a kick back to making life hard. Take charge of this matter and call your law maker
Author: jerryERRN
Keywords: credit agencies rip off law lie crap commentary analysis documentary gotcha! news
Added: August 16, 2008
Remove foreclosure from report
by rss@youtube.com (hqpwoe15)
15 Aug 2008 at 1:04pm
http://www.lexcredit.com Any negative listings on your credit report that cannot be verified by the creditor must be removed according to federal laws that protect consumers. Lexington Law has been helping consumers since 1991 clean up their credit reports with specific processes.
Author: hqpwoe15
Keywords: remove foreclosure negative listings credit report creditor consumers clean
Added: August 15, 2008
Waterfield Credit Is On The Radio [Part Two]
by rss@youtube.com (DrewCan777)
15 Aug 2008 at 8:20am
Waterfield Credit teams up with Joe Pippen on "Ask An Attorney" a radio show that has been playing for 25 years. Client's call in to ask questions about credit reports and scoring. Enjoy :)
Author: DrewCan777
Keywords: Waterfield Credit Ask An Attorney Radio Repair Drew Canole Joe Pippen Education
Added: August 15, 2008
Cambridge Credit: Types of Credit Cards
by rss@youtube.com (CambridgeCredit)
14 Aug 2008 at 6:44pm
This week Thomas Fox, Community Outreach Director, describes the differences between Credit, Charge and Debit cards. Learn Now or Pay Later is a weekly personal finance series produced by Cambridge Credit Counseling Corp. These webisodes focus on topics such as the economy, credit reports and scores, budgeting and identity theft. The goal of this educational series is to better prepare the public to deal with matters pertaining to credit, debt and money management.
Author: CambridgeCredit
Keywords: Thomas Fox Cambridge credit counseling cards nonprofit public service announcements grassroots outreach
Added: August 14, 2008
F-R-E-E that spells free!!
by rss@youtube.com (xJordannJealousyx)
14 Aug 2008 at 6:30pm
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Author: xJordannJealousyx
Keywords: credit report comercial boredom emo girl singing random randomness awesome
Added: August 14, 2008
CreditReport.com $25,000 Sweepstakes Winner
by rss@youtube.com (AprilleL)
11 Aug 2008 at 4:26pm
$25,000 Instant winner for May 2008 in the CreditReport.com The Big Score Online Sweepstakes. (http://www.thebigscoreonline.com)
Author: AprilleL
Keywords: creditreport.com instant sweepstakes winner "the big score online" $25000 $25K cash credit report contest
Added: August 11, 2008
Foreclosure Prevention Tips | Credit Reports Are A Snapshot Of Your Financial...
by rss@youtube.com (DirectTM)
11 Aug 2008 at 8:53am
SaveMeFromForeclosure.com Justin Lee Presents Foreclosure Prevention Tips With Today's Topic Credit Reports Are A Snapshot Of Your Financial Wellness!. See SaveMeFromForeclosure.com To Find Out More Information!
Author: DirectTM
Keywords: "short sale" "foreclosure" "stop" "avoid" "prevent" "mortgages" "investment" "real estate"
Added: August 11, 2008
credit reports Books
by John R. Ulzheimer
Amazon Price: $24.95
Customer Review: Hello, this is John Ulzheimer and I wrote this book.
For those of you who have purchased it, you can and should consider it an investment in your financial future. Why? Because having great credit reports and credit scores is the best way to keep more of your hard earned money at home, where it belongs.
A little background...
I actually started writing this book in 1997 after I left Equifax. The original title was going to be "Inside the Walls." I had about 30 pages finished when I realized that any book about credit needed to have a significant dedication to credit scoring. I had just taken my new job at Fair Isaac (FICO) and I decided to put the book on hold until I was well versed on the subject of credit scoring.
When I left Fair Isaac in late 2004, I started re-writing the book from scratch. I finished it in early 2007. What you have is a 10-year labor of love and insight into the inner workings of the credit industry. I certainly hope you enjoy it and I hope you can leverage what you learn into better credit health and all that it entails.
Why is this book different...
This book is NOT about credit repair and it's not a bunch of quotes and research results. This book was written by an industry veteran (still in the industry) and it's all about learning how the system works so that you can function better within it. It's not about how to fool the credit reporting and credit scoring systems.
If you're trying to figure out how to beat FICO or have accurate (but negative) information removed from your credit reports under false pretenses then do NOT buy this book because it's not for you. If you are ready to learn how to EARN better credit using lessons that will last a life time and can be handed down to your children and their children then this is the book for you.
Enjoy!!
John
by Al Bingham
Amazon Price:
Customer Review: This book is a must for everyone, because EVERYONE needs a raise in their credit score, especially in today's economy.
I have been looking to refinance my home with a credit score average of 620 and it wasn't working out so well. I used advice and insight from this book and got my score up to a 750 average in 3 weeks! I really didn't have any money to work with either. Of course, paying off your credit lines is the best way to get your score up, but I was very surprised to learn a few new tricks to do so without even having to pay much off! The credit score system is ridiculous and if you think you know it all, you don't!
I love how well this book is organized. It makes rather difficult insights easy to understand and easy to put into action and it really doesn't take much reading to get there.
Thanks to the authors and researchers who put this together, no other book or website I could find even compares.
by Steve Weisman
Amazon Price: $14.95
Customer Review: Level headed approach to handle a problem that could be desaterous.
The book is easy to read and follow the steps for protection from and recovery of damaged credit.
by Evan Hendricks
Amazon Price: $14.96
by Jane L. Reimers
Amazon Price: $176.00
by Evan Hendricks
Amazon Price: $13.57
Customer Review: He not only explains the costly effects of our severely flawed credit reporting system, but he paints a remarkable picture of the incredible maze most have to travel when simply trying to maintain an accurate credit identity. It appears that Mr. Hendricks has ruffled a few feathers in the credit industry -and for that, we should all be thankful! Give Me Back My Credit!
by Emmanuel, Ike
Amazon Price: $15.56
by Various
Amazon Price: $19.79
by Ted Aberle
Amazon Price: $3.18
The Book of Credit Solutions (secured credit cards, pre-approved instant cred...
Amazon Price:
Customer Review: I found this book to be helpful in choosing a credit card that I could not only qualify for, but also had other features like airline miles for dollars spent. I highly recommend it. John Maxwell
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credit reports
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... for recovery of their lawful charges, or any part thereof, shall be begun within two years from the time the cause of action accrues, and not after. Can a collection agency start reporting this on your credit report afer the 2 years?
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Do Money Market Accounts show on your Credit Reports?