Must know cara mendapatkan pulsa gratis dari mkios

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Consumers in the US, UK and Australia can all get their hands on a free copy of their credit report to do a credit check on themselves. The systems in each country are different, and this article explains how consumers can go about getting a cara mendapatkan pulsa gratis dari mkios report if they live in one of these countries.

In the United States:

Consumers have had the legal right to a free copy of their credit report, annually, for a number of years now. The Fair Credit Reporting Act granted consumers a free credit report from each of the three US credit reporting agencies, Experian, Equifax and Transunion.

There is only one authorized website in the US from which American consumers can obtain their free report under their legal entitlement, and that is annualcreditreport. There is also a free toll number, 1-877-322-8228 where US citizen’s can order their annual credit report. A report can also be ordered by filling out the Request Form and posting it to Annual Credit Report Request Service, PO Box 105281, Atlanta, GA 30348-5281. Online, the service is instant, but security questions will be asked to verify identity. By telephone and post, it takes about 15 days for a credit report to arrive, but it may take longer if the agency needs to verify an identity.

The Federal Trade Commission, which protects US consumers, has warned people to be on the look out for what it calls ‘impostor’ sites. At one point it was estimated there were more than one hundred such websites in existence, some of which included domains that used misspellings of the authorized free credit report website.

There are other online services offering free credit reports, using subscription free trial period schemes. With these credit report services consumers need to be aware that if they fail to cancel the subscription within the free trial period they are likely to have their plastic charged. The trial period schemes usually require consumers to cancel the subscription within the trial period, usually 30 days, or the company may start to charge a fee.

Also, in the United States, consumers can get a free credit report if they have been turned down for credit, insurance or employment and they apply within 60 days of receiving notice from the company involved. The unemployed who are looking for work, those on welfare and people whose reports are inaccurate, because of fraud, can all get a free credit check.

In the UK:

There is not a legal right for consumers to a free credit report from the credit reference agencies in the UK, unlike the US. But you can go directly to the websites of the three credit reference agencies, Callcredit, Equifax and Experian to get one without having to pay a fee. All offer a free trial subscription service that provides a free credit report as part of the free trial. To avoid incurring a charge, the consumer must remember to cancel the subscription with the credit reference agency within the free trial period, usually 30 days. Failure to do so may lead to the agency charging fees.

One website in the UK, annualcreditreport.co.uk, provides UK consumers with free yearly access to their credit report from one of the three credit reference agencies. This service doesn’t require people to provide their credit card details to get a free credit report.

While there is not a legal right for consumers to a free credit report in the UK, there is a right under Data Protection laws for consumers to get a credit report for £2. This is known as a statutory credit report. A statutory credit report can be obtained by writing to the credit reference agencies and sending a cheque or postal order for £2, with details such as name, full current and previous address, and date of birth to: Callcredit Ltd Consumer Services Team, PO Box 491, Leeds LS3 1WZ; Experian Ltd Consumer Help Service, PO Box 8000, Nottingham NG80 7WF and Equifax Credit Report Advice Centre PO Box 1140 Bradford BD1 5US. It usually takes around 7 days for a statutory credit report to arrive.

In Australia:

Australian consumers have a right to a free copy of their credit report under the Privacy Act. Veda Advantage and Dun and Bradstreet, Australia’s largest credit reporting agencies, will both provide a free credit report to consumers within 10 days of receiving a request. The Tasmanian Collection Service, which covers the citizens of Tasmania, provides consumers with a free credit report if they have been refused credit or an application is to do with the management of an individual’s credit commitments.

 

Want a Free Annual Credit Report?

The Fair Credit Reporting Act requires each of the “Big Three” nationwide consumer credit reporting companies (Equifax, Experian, and TransUnion) to provide you with a free copy of your credit report every 12 months. Prior to the Fair Credit Reporting Act a credit report could set you back nearly $10 each.

A credit report will include information on where you live and have lived in the past, how you pay your bills and whether you’ve been sued or arrested. It may list your current or past employers. It will also show if you have filed for bankruptcy. Equifax, Experian and TransUnion, along with other agencies, make a profit by selling the information in your report to creditors, insurers, employers, and other companies who will use it to appraise your for credit to make a major purchase, buy insurance, get a job or rent a house or apartment.

If you do a search under “free credit reports” you will get hundreds of results from companies who would love to sell you a credit report or ongoing credit monitoring. These sites are impostors whose real scheme is to snag people who may think they are looking at the official site for free credit reports. In fact, many of these sneaky sites are actually operated by Experian, Equifax and TransUnion themselves so that they can charge you for the same thing you are entitled to get for free.

While there may be times that you need to buy a report or it may be appropriate to use credit monitoring services, most of us just need to take a look at our credit report once a year to ensure there are not inaccuracies.

If you do get your free credit report under the Fair Credit Reporting Act this year it’s important to note that the reports will not be sent automatically next year. You’ll need to make a new request each year that you wish to receive a new one.

There are a few exceptions to the 12 month rule. Under the law you’re entitled to receive a free report if you are turned down for a loan, job, insurance, etc. because of your credit. In that case you can ask for your report within 60 days of receiving notice of the action. All companies have to inform you if they will be checking your credit and often you can request a copy of whatever they receive simply by checking the appropriate box on the application. You can also get a free report if you reside in one of the states that already offers free credit reports from each credit-reporting agency (Colorado, Georgia, Maine, Massachusetts, Maryland, New Jersey and Vermont) or you’re applying for unemployment or receive public assistance.

Here’s how to request your copy of your credit report.

Online:

The Federal Trade Commission (FTC) has established a website (annualcreditreport.com) to order your free annual credit report online. This is the one and only authorized website to get your free credit report under the provisions of the Fair Credit Reporting Act. This website is legitimate and is absolutely free. If you are on a website and it asked for a credit card you are either in the wrong place or you are paying for additional services offered by one of the three credit reporting agencies. Annualcreditreport.com is a great resource if you only need a copy of your credit report every 12 months.

Go to: annualcreditreport.com.

By Phone:

Call 1-877-322-8228

By Completing an Annual Credit Report Request Form

This form is available online at ftc.gov/credit. Once you complete the annual credit report request form you will mail it to: Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281.

By Contact the Agencies Directly:

While the FTC does not recommend you request your report directly from each individual agency, it is possible to do so.

First of all, fair warning, the credit bureaus change their mailing addresses to request a credit report by mail all the time. Apparently they do not like written requests or mailing full reports because (obviously) it is more labor intensive and expensive to send a printed copy via snail mail. But many people like to have a “hard copy” directly from the credit bureaus in their hands. Before you use any of the addresses below please double check on the official websites (also below) to confirm the mailing address. There are often several mailing addresses listed for different departments or services so be sure you are sending your request to the correct address to request a free copy of your annual credit report. Remember, regardless of how you request your credit report the same once-every-12-month rule applies.

It’s a good idea to include the following information when you request a free copy of your annual credit report with the three with the three major credit bureaus. Don’t forget to SIGN YOUR REQUEST. In your letter you should provide:

* Your full name

* Your date of birth

* Your Social Security number

* Your current address AND any former address/addresses when you have lived for the previous 5 years

* A photocopy of your driving license, showing current address (or other government-issued proof of identity such as a passport)

* Your Social Security numbers and/or a photocopy of your Social Security card

 

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