Friday, June 23, 2017

How To Dispute Credit Report Errors – And Get The Bureaus to Fix Them

An error on your report can be devastating. Not only can it negatively impact your ability to obtain affordable credit, but it can also impact your insurance rates and your chances of being offered a job.

Everyone is entitled to one free report from each of the three major bureaus per year. It is a good idea to request it from one of them every four months. This will serve as your own monitoring service to ensure no negative or incorrect data is being provided. To request one, visit the annualcreditreport website. This is the only site that truly offers you a free copy according to federal law. You can also call 1-877-322-8228 or fill out the required forms and submit via mail to get your free copies.

Once you receive them, make sure all of the information is correct. If you find an error, you must contact both the bureau and the entity that provided the inaccurate information. Under the Fair Credit Reporting Act (FCRA), both are responsible for investigating and correcting the record if found to be incorrect or incomplete.

The first step is to contact the major bureaus. You can choose to submit a dispute online, but it is not recommended. It is better to submit it in writing and send via certified mail with a return receipt requested. Write a letter which clearly states what information you believe to be incorrect and why, as well as what corrective action you would like taken, i.e. deletion or correction.

Include copies of any documents you have to support your position, but do not include originals as you need these for your files. It is also a good idea to include a copy of your file from the bureau with the items you are challenging circled so that there are no questions. By law, they must investigate within 30 days. They must forward all relevant data to the provider, who also must investigate and provide a statement back to the agency. Further, if they find that you are correct, the item must be deleted.

In addition to correcting your record, the reporting agencies must notify you in writing of the changes and provide you with an updated copy of your file. This does not count as your yearly free copy. If you request, they must also notify anyone who received it in the past 6 months of the corrections, and you can also request to have this information sent to anyone who has looked at it for employment purposes in the past two years.

Errors can have a huge impact on you financially. It is important to remember that you have the right to ensure your record is correct. While disputes can be time consuming and stressful, you must remain focused as an incorrect item must be erased according to federal law.

For more about how you can file a Credit Report Disputes and remove the inaccurate information from your report in order to Fix Your Credit Reports visit us – you can also get a free credit analysis by calling 800-251-3505.

Cool Car Finance images

Some cool car finance images:

Image from page 692 of “Electric railway journal” (1908)
car finance
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Identifier: electricrailway331909newy
Title: Electric railway journal
Year: 1908 (1900s)
Subjects: Electric railroads
Publisher: [New York] McGraw Hill Pub. Co
Contributing Library: Smithsonian Libraries
Digitizing Sponsor: Smithsonian Libraries

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Text Appearing Before Image:
fway where a car can be run safely at high speed. The western terminus is at Pullman, 111., where, for thepresent, passengers will transfer from and to the subur-ban trains of the Illinois Central Railroad, which run atintervals of 40 minutes to and from the heart of Chicago.An overhead footbridge has been constructed here for theconvenience of the public, connecting the interurban plat-form with the suburban platform of the Illinois CentralRailroad and permitting joint use of the depot at PullmanThe train schedules are arranged so that cars of the newroad make close connections with the Illinois Central sub-urban trains, offering quick and convenient service to thedowntown district of Chicago at the Randolph and VanBuren Street stations of the steam road. ROADBED AND TRACK The roadbed has been constructed according to modernsteam railroad practice; a maximum gradient of 2 percent exists in but one place, which is the approach to asteam railroad crossing. Outside of cities the maximum

Text Appearing After Image:
Chicago, Lake Shore & South Bend—Map of Route Traversed Between South Bend and Pullman, Showing also Con-nections with Other Interurban Lines in Northern Indiana and Illinois The financing of the railway was undertaken and com-pleted by Cleveland capitalists representing several of theleading trust companies in that city. A syndicate man-agement was formed, with M. H. Wilson, vice-president ofthe Cleveland Trust Company, as the head. During therecent financial depression, when nearly all railway con-struction was either greatly restricted or entirely sus-pended, the work on this line was carried forward withoutdelay, and all obligations were taken care of promptly. The construction of the roadbed, inclusive of bridges,was done by a construction company organized for the.purpose. The construction of the electrical distributionsystem, power house equipment and buildings was super-vised by the Cleveland Construction Company, of Cleve-land, Ohio, as consulting engineer. After carefu

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Please note that these images are extracted from scanned page images that may have been digitally enhanced for readability – coloration and appearance of these illustrations may not perfectly resemble the original work.

Image from page 111 of “Legislative regulation of railway finance in England” (1911)
car finance
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Identifier: legislativeregul00wang
Title: Legislative regulation of railway finance in England
Year: 1911 (1910s)
Authors: Wang, Ching-Chun, 1883-
Subjects: Railroads and state Railroads Theses
Contributing Library: University of Illinois Urbana-Champaign
Digitizing Sponsor: University of Illinois Urbana-Champaign

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*rvG*iv ►In- ference capital werq/ikujDuie.!-anoth-er—as 56 w&& to 44, while in 1870 and 1871 the relative proportions were reversed, becoming 43 to i2 57 and 42 to 58 respectively. Such changes might have beenbrought about by two entirely different causes. In the first place,when railway enterprise became established, it might be reasonablyexpected that the preference capital would tend to increase morerapidly than the ordinary. When a railway pays large dividendson its ordinary shares, it car raise money on easy terms by issu-ing preference or debenture stocks at fixed rates of interest.This seems to have been largely the cause in England. On the otherhand, when a company pays little or no dividend on its ordinaryshares, it will be compelled to resort to the issue of such pre-ferential shares for raising money, in order to avoid heaviersacrifices. ql. Companies Clauses Act, 1863,26 & 27 V. c. 118, s. 15.d2. Capt. Tylers annual report to the Board of Trade, 1873, p.4.

Text Appearing After Image:
Another class of shares or rather another nomenclature given to the ordinary shares, known as preferred and deferred shares, Cas*e into vogue since 1868. These, in reality, do not constitute any separate class of shares, hut simply represent two divisions into which the ordinary shares are divided. All the rules governing the ordinary shares are also applicable to these sre-trsiri^ preferred and deferred stocks, ex-govern cept that special rules have been adopter to^the process or, andthe conditions under which, the division may be executed. The f irst/\instance of ( stock*splitt ing , by whi ch the -drir* vicidOn t^e ordinary shares/linto preferred and deferred0pwp«H4©Rs 13 i-s. kTungp, took place in 1854 in the case of the Great Forthern.Luring that year £ 12 having been paid on each £20 share of thatCompany, a panic seized upon the public mind and grave doubts wereentertained as to whether the Ircldly competitive scheme of thatcompany could be comptyLed in the face of adverse c

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The difference between a Visa, MasterCard and American Express

Credit Cards Brands – Step by step guide 5 with Laine Lister by RateCity: There are three main credit card brands; Visa, Mastercard and American Express. So what’s the difference and which one should you choose? See our full Credit Cards Guide at

For more handy credit card tips and to compare great credit card brands visit


Cool Free Credit File photos

Several nice free credit history images I found:

Image from page 334 of “San Francisco’s horror of quake and fire … that is added visual accounts of this eruptions of Vesuvius and lots of other volcanoes, outlining the sources of volcanic eruptions and earthquakes, comp. from stories told through attention
free credit history
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Identifier: sanfranciscoshor00wils
Title: San Francisco’s horror of earthquake and fire … that is added visual reports associated with the eruptions of Vesuvius and several various other volcanoes, outlining what causes volcanic eruptions and earthquakes, comp. from tales told through attention witnesses among these frightful views
12 Months: 1906 (1900s)
Authors: Wilson, James Russel. [from old catalog]
Subjects: San Francisco Earthquake and Fire, Calif., 1906 Volcanoes. [from old catalog]
Publisher: Philadelphia, Pa., Nationwide publishing co
Adding Library: The Library of Congress
Digitizing Sponsor: Sloan Foundation

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Text Appearing Before Image:
a diploma as to show at night the most amazing fireworkimaginable. The eruption came to its orgasm from fifth into loth ofAugust, regarding previous which times, after the ejection of anenormous volume of white clouds, piled like bales associated with whitestcotton, in a size surpassing four times the height and size of themountain it self; the lava begun to overflow the rim of this crater,and flow in torrents down the high pitch of the cone. Thiswas proceeded till the Sth, when the great size regarding the lava wouldseem to possess already been evacuated, and no much longer repressing by itsweight the free release associated with the imprisoned gases, permitted whatremaiued to-be ejected in fountains of fire, transported around an ERLITIONS IX VARIOUS PARTS OF THE WORLD. 29n enormous lieiglit in die air. The information of one of tliese Imust give in the pictnresque and vivid terms of Sir WilliamHamilton hiinself. About nine oclock, he claims, on Sunday the 8th of August, there was a loud report, which shook the homes at Portici and

Text Appearing After-image:
NAPLES. SHOWING MOUNT VESUVIUS INSIDE DISTANCE. its neighborhood to these types of a diploma on alarm the residents an^ldrive all of them out in to the roads. ]Iany windows were broken, andas i’ve since seen, wall space cracked by the concussion regarding the airfrom that surge. Within one immediate a fountain of fluid trans-parent fire started to rise, and gradually increasing, attained soamazing a height regarding hit eveiy a person who beheld it with themost terrible astonishment. I shall scarce!v be credited once I 294 ERUPTIONS IN SEVERAL COUNTRIES. guarantee you that, into best of my view, the level of thisstupendous line of fire could not be significantly less than 3 x thatof Vesuvius itself; which, you kuow, rises perpendicularly near3,700 foot over the level of the ocean. (The level of my ownmeasurement in 1824 is 3,920 feet.) Puffs of smoke, since black as well as come to be imagined,suceeded one another hastily, and accompanied the red-hot,transparent, and fluid lava, interrupting its splendid brightnes

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Prepaid Credit Card Market- Global Segments and Forecast upto 2023

The introduction of internet technology in banking sector is expected to boost the demand for cashless transaction among banking customers. However, a large number of banking customers are using cash and traditional banking products such as cheques and demand draft instead of credit and debit cards for daily financial transaction. This is due to the fear of hidden cost and convenience issue associated with cashless payment cards. The banking sector is trying to overcome these issues through offering prepaid credit cards.

Browse the full Prepaid Credit Card Market report at

Prepaid credit card looks similar to a credit or debit card with a card number, brand and signature field on it. A prepaid credit card is issued by a financial institution and performs the functions of a credit card except that a certain amount needs to be preloaded in account. The card holder can use the card for purchasing items till the preloaded amount gets finished. Prepaid credit card limits the borrowing of funds from the financial institution after preloaded amount is finished. The issuing of prepaid credit card does not require bank account of the card holder. Instead the amount is stored in a temporary bank account till the amount is fully used. This factor is expected to boost the adoption of prepaid credit card for non bank account customers in coming years.

Financial institutions are enabling use of prepaid credit card in automated teller machine (ATM) and point of sale (POS) terminals. If the card gets stolen or damaged, the institution is able to issue new card on basic customer information. The remaining amount in previous card gets transferred into new card automatically. Prepaid credit card eliminates the fee and interest associated with normal credit cards. Thus, the customers don’t have to worry about the risk associated with hidden costs in use of credit cards. Prepaid credit cards are available in various forms in market depending upon the type of application. Gift cards are the most commonly used prepaid credit card available in market. The customer is able to use the gift card for purchasing the items in market through POS terminal or online shopping. Meal cards offer convenience of providing meal allowance through prepaid credit card platform. Payroll card is another type of prepaid credit card which allows an enterprise to pay salaries, incentives and reimbursements to the employees. The enterprise is able to credit the monthly salary for every month in the employee’s temporary account. Financial institutions are now providing forex, travelling and reward card depending upon the customer’s requirement.

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The prepaid credit card finds its application among young adults, college students and old age people. Prepaid credit card eliminates the need of carrying cash which help the young and college students to carry equivalent amount of cash in form of a plastic card. The parents can also track the amount spend from the card time to time.

Some of the major financial institutions providing prepaid credit card are Visa, Inc., American Express Company, MasterCard Inc., Kaiku Finance, LLC, Mango Financial, Inc., Total System Services, Inc., Citigroup and The PNC Financial Services Group, Inc.

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Our data repository is continuously updated and revised by a team of research experts, so that it always reflects the latest trends and information. With a broad research and analysis capability, Transparency Market Research employs rigorous primary and secondary research techniques in developing distinctive data sets and research material for business reports.


Insurance 101 – Personal Auto Coverages

Auto insurance can be confusing! Briefly learn about the four basic coverages included in a standard personal auto policy. For more on Personal Auto Insurance, visit our website at