Credit Reports

Credit reports include information identifying who you are, your credit history, public records and any outside inquiries pertaining to your credit history.


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Free Financial Forms: Why Do You Need Them?

Financial forms are needed for different kinds of financial deals. You cannot perform a financial transaction in the absence of a financial form. Free financial forms are provided by many websites and they have been planned for fulfilling specific necessities of the visitors.

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07/06/08
Victim of Identity Theft?

Ken had everything going for him, a great job, no debt, an excellent credit score... or so he thought. In fact, he felt with everything going right for him financially it was time to look into owning his own place. He sat down with a Realtor´┐Ż to figure out how much of a home he could qualify for and was shocked to learn that the answer was ZERO. His credit score was not what he thought it was... in fact, on his credit report, there were loans and credit cards that he did not even apply for that put him thousands of dollars in debt. After careful and diligent research, Ken came to the understanding that he was the victim of identity theft.

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06/06/08
Be Your Own Credit Protection

Identity theft occurs when someone uses your personal information without your permission. The reasons behind the stealing of an identity vary, but the results can be predicted. Some consumers victimized by identity theft may lose out on job opportunities. They could be denied loans for education, housing or cars because of negative information on their credit reports. In some rare cases, they may even be arrested for crimes they did not commit. You don't have to subscribe to a credit protection service in order to protect yourself from the scourge, however. There are steps you can take yourself to protect your identity and your credit.

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05/08/08
FICO 08: How Will It Affect You?

Fair Isaac got a makeover. In that past year, you may have heard something about a new Fair Isaac Corporation (FICO) scoring system called FICO 08. The new model incorporates redefined scoring guidelines among other changes. When it will be implemented remains to be seen. If this is the first you've heard of FICO 08 or are unsure as to how it can affect you overall, keep reading this article to educate yourself on the ins and out of the next system that will determine your credit worthiness.

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iQualifyNow Credit Reports Resources

Hands down - you need to know your credit score. Your credit score is the lifeline to your financial health. A credit score will deliver huge savings in the thousand - or be the cause critical monetary loss.
Don't wait another minute - get yours now! Become an iQualifyNow.com member and receive access to the following:

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The higher your Credit scores the less you would pay for your loan. For example, on a $350,000 30-year, fixed-rate mortgage:

Credit Score Interest Rate Monthly Payment
760 - 850
700 - 759
680 - 699
660 - 679
640 - 659
620 - 639
5.73%
5.95%
6.13%
6.34%
6.77%
7.32%
$2,548
$2.597
$2,638
$2,685
$2,785
$2,914

what impacts your FICO score pie chart

The Fair Credit Reporting Act

The Fair Credit Reporting Act (FCRA) promotes the accuracy, fairness, and privacy of information in the files of the nation's consumer reporting companies. The FTC enforces the FCRA with respect to consumer reporting companies. Recent amendments to the FCRA expand consumer rights and place additional requirements on consumer reporting companies. Businesses that provide information about consumers to consumer reporting companies and businesses that use credit reports also have new responsibilities under the law.

Here are some questions consumers have asked the FTC about consumer reports and consumer reporting companies, and the answers

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