(See below: You can get a FREE "FICO credit score" too!)
Residents of North Carolina are entitled to...once a year...get a FREE copy of their credit report.
You can use your credit report to correct errors, spot fraud, and thwart the increasing threat of identity theft.
Your right to one (1) free credit report per year is mandated under the Fair and Accurate Credit Transaction Act of 2003.
There is only one official website: www.annualcreditreport.com.
At this website, you can order a copy of all reports compiled by the three major credit-reporting agencies: Equifax, Experian and Trans-Union. This site can also be accessed through a link at the Federal Trade Commission (FTC) website: www.ftc.gov/freereports. This ftc website also provides answers to frequently asked questions.
You can also get your FREE credit report by calling toll free to:
You will need to provide your name, address (and previous address if you have moved recently), Social Security Number and date of birth. You will be asked to answer some authentication questions to make sure that it is you...and not somebody else...trying to get your information, such as when was your last mortgage or car payment.
People have reported that completing the forms can be a bit confusing.
There are fake sites, and lots of them. Be on the lookout for fake "free-credit-reports" sites that lure you into buying credit monitoring services. The Federal Trade Commission has already identified at least 130 such sites. Here's the test: If you are asked for your credit card number, you are likely at a fake site. Pop-up ads or email messages claiming to be for the official web site are probably scams.
Which Credit Report Should I Request?
Ask for copies of all three agencies' reports...Equifax, TransUnion and Experian...as the information listed with each agency sometimes varies due to factors such as out-of-date listings or wrong account numbers.
What's In The FREE Credit Report?
The reports from the 2 major credit reporting agencies differ in style and appearance, but they all contain 4 basic categories of information:
What Your "FREE" Credit Report Does NOT Include:
Unlike the credit report, information about your credit "score" is NOT FREE, with the one exception listed below. But it's more important. You score can affect many things, including your ability to get loans, your insurance premiums, and even your employment.
Scores range from 300 to 850 and are used to predict how likely you are to pay your bills on time. The higher the score, the better off your are.
How To Get Your "Credit Score":
As of 2/5/11, you can get a credit score from the following credit bureaus:
Equifax: Cost is $15.95 for your Equifax credit report and BEACON (the Equifax version of the "FICO score"). You cannot get your Experian or TransUnion FICO scores through Equifax. (Click Here)
TransUnion: Cost is $14.95 for your TransUnion credit report and FICO score. You cannot get the other two bureaus' FICO scores there. (Click Here)
How About A "FREE" Credit Score?
You can also get a "FREE" credit scrore at myfico.com (Click Here)
Here is an article that explains more about the "FREE" credit score, what it includes, and what it does not include: Free FICO Credit Score (No Credit Report or "Simulator" included) at FreeFicoScore.com (Click Here)
Which type of "credit score" do I want?
One thing to keep in mind. There are a number of different types of "credit scores" available.
However, the only one you want is the one called the "FICO score". WHY? Because "FICO score" is the one your creditors use when they are making decisions about YOU.
Here is an article that explains this recommendation in more detail and why it's so important: Get your credit score. Get the FICO score. (Click Here)
What Should I Do With My FREE Credit Report?
How Do I Handle Disputed Information?
Want to learn how bankruptcy will affect your credit?
'Click' on the following topics to find out:
To Fix Your Credit: Start With A Bankruptcy
Want Good Credit: Think Bankruptcy!
Bankruptcy: First-Aid For Your Credit
Your Credit Score: How is it Determined
HOW BANKRUPTCY STOPS BAD CREDIT: THE REAL STORY!
Want to find out what bankruptcy can do for you?
We offer a totally FREE ANALYSIS of your entire financial situation. In-depth, honest, confidential, no-pressure, no-strings-attached. GUARANTEED!
The quicker you set up your FREE ANALYSIS appointment, the quicker you will find out the amazing results you can achieve.
Others Promise...Only Bankruptcy Delivers.
Set up your FREE ANALYSIS today. You can do it right here...right now...using our "online" Appointment Scheduler.
(In 5 easy steps, you will have an appointment.))*
Just click on this button:
Don't see an appointment date or time that's good for you...NO PROBLEM. During normal business hours...just call the following toll free number:
How about...
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SEE ACTUAL RESULTS achieved for actual clients?
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...your creditors want you to believe.
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SCARED OF BANKRUPTCY?
...not paying your bills is more scary.
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WANT TO IMPROVE YOUR CREDIT?
'Click' on the following topics to find out how:
To Fix Your Credit: Start With A Bankruptcy
Want Good Credit: Think Bankruptcy!
Bankruptcy: First-Aid For Your Credit
Your Credit Score: How is it Determined
STOP FORECLOSURE.
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STOP REPOSSESSION.
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THERE ARE 2 MAJOR OPTIONS: CHAPTER 7 AND CHAPTER 13.
LEARN ALL ABOUT CHAPTER 13.
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LEARN ALL ABOUT CHAPTER 7.
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THINGS TO THINK ABOUT...
'Click' on the following topics of interest:
Debt is the enemy...NOT Bankruptcy!
Things clients are always telling us.
Next month could be different...very different.
WANT TO LEARN MORE?
Choose from over 200 topics?
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* This result assumes that you also stay in your bankruptcy case long enough to get a your final "discharge"
Debts Hurt! Got debt? Need help? Get started below!
Serving All of North Carolina
Bankruptcy Attorney Durham NC
1738 Hillandale Rd Suite D Durham, NC 27705 North Carolina
Tel: (919) 286-1695
Bankruptcy Attorneys Raleigh NC (North)
6616 Six Forks Rd #203 Raleigh, NC 27615 North Carolina
Tel: (919) 847-9750
Bankruptcy Attorney Fayetteville NC
2711 Breezewood Ave Fayetteville, NC 28303 North Carolina
Tel: (910) 323-2972
Bankruptcy Attorneys Greensboro NC
2100 W Cornwallis Dr. STE O Greensboro, NC 27408 North Carolina
Tel: (336) 542-5993
Bankruptcy Attorneys Southport NC
116 N Howe St. Suite A Southport, NC 28461 North Carolina
Tel: (910) 218-8682
Bankruptcy Attorneys Wilmington NC
116 N. Howe Street, Suite A Southport, NC 28461 North Carolina
Tel: (910) 447-2987