The Major Credit Bureaus
The 3 major credit bureaus are Equifax, TransUnion, and Experian. These companies collect financial information from various creditors and sell this information in the form of credit reports to lenders or others who have a legitimate use for it. Each individual has a right to see what is contained in their credit report at the various credit bureaus. Individuals are entitled to receive one FREE copy of their credit report from each bureau, once every 12 months. The information contained in the credit reports may be as follows:
· Individual’s full name, address, place of employment, and spouse’s name, if married.
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Get Free Credit-Monitoring Services
The settlement applies to everyone who had an open credit account or open line of credit from any lender from January 1, 1987, to May 28, 2008. Anyone with a credit card, car loan, mortgage, student loan or any other loan qualifies, which means most adults do.
Credit Report Blog.com urges all its readers to take advantage of this great deal. Best of all, nearly everyone is eligible. TransUnion’s monitoring services can be very valuable to consumers, especially when you won’t be paying a dime for them! Read more
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Credit Restoration Service Announces Contest for the Worlds Worst Credit Report
July 2, 2008 — Lee Harrison Credit Restoration is looking for the world’s worst credit report. They will clean the worst credit report each month for 6 months for free. To enter the contest, applicants must send a copy of their Experian, Equifax, transunion and CSC.
CreditReportBlog.com – Well, this sounds like a great deal if you are the lucky, chosen few. With the enormous number of Americans sinking in debt these days, there will the credit restoration company is likely to be flooded with applicants for this new “contest” to find the worst credit reports in America. If you think you’re situation is bad, there will probably be many others with stories 10 times worse.
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Settlement results in free credit monitoring service
You can sign up today to receive free credit monitoring services from the credit bureau TransUnion due to a settlement the company reached on a class-action lawsuit.
Credit Report Blog.com would like to advise all consumers that a settlement has been reached in the class-action lawsuit filed against TransUnion Credit Bureau. The lawsuit was filed because TransUnion irresponsibly sold customer information in the form of marketing lists to other businesses. TransUnion denied any wrongdoing, while at the same time, stating that they had stopped the practice as far back as 2001.
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TransUnion settlement makes services available to consumers
“Credit Bureau TransUnion’s recent settlement of a class-action suit offers several options for consumers, two of which include free credit-monitoring services for a limited time.”
***Creditreportblog.com*** So TransUnion is basically offering consumers options that are already available to them in some form or another in return for selling private consumer data to businesses. We say, take what they are offering while it’s free, but don’t let them persuade you into extending any of the options. Every consumer is already entitled to a free credit report from all 3 credit bureaus once per calendar year. If you look at it, the damage is already done. Your private information is already out there and now that TransUnion got caught, they want to make nice and say they have stopped the practice and will give you some valuable free services in return for privacy. Looks like, just another case where a big organization got caught and wants to make it all disappear by making the consumer feel like they’re getting the better end.
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Free Credit Report - Your rights
You are entitled to a free credit report once every 12 months. Each of the 3 national consumer reporting companies( Equifax, Experian, and TransUnion ) is required to provide you with one, at your request. If you require another copy of your report within the 12-month period, the reporting company can charge you upto $9.50 per copy or more.
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