Do You Need Credit Repair?

Do you need credit repair?

Do you even know what is being reported on your credit report? Twenty-five percent of all credit reports contain errors serious enough to deny consumers access to credit, favorable loan rates, insurance, and in some cases a job. Many individuals are victims of identity theft, and don't even know it!

Get a copy of your credit report from each of the three major US credit reporting agencies--Equifax, Experian, and TransUnion. You are eligible to receive a free report from each of them once every 12 months. You can order your free report from all three agencies at http://www.annualcreditreport.com/.

Once you have your report, check it carefully for clerical errors, negative items, and any indications of fraudulent activity. Look for personal information that is misspelled, outdated or that of a stranger, in addition to errors with credit accounts. Each credit bureau will detail on the report what you must do to dispute any item on your credit report. In some cases you must send your dispute letter with any supporting documentation several times before the matter will be fixed. Don't give up! If something is inaccurate, dispute it until it has been fixed.

It can take time to correct credit report inaccuracies. Recently, it was reported that victims of identity theft spend 600 hours, on average, and more than two years to fix the mess caused by identity theives. If you don't have the time necessary to deal with these problems, contact a reputable credit repair agency. We recommend Lexington Law - Credit Report Repair, they offer legal credit repair and have 15 years experience helping consumers.

Tags: credit report repair, identity theft prevention,

Identity Theft Solution

Identity Theft Solution
"Protect Your Identity With LifeLock
Find identity theft solution Online Now!
LifeLock identity theft solution is the only service of its kind to offer a $1 million guarantee. If you are looking for identity theft solution, LifeLock stops would be identity thieves in their tracks.
According to the Federal Trade Commission, Identity Theft is the fastest growing crime in the US. It has become increasingly easier for ID theives to steal your information, and get away with it. That's why identity theft solution is so important. Prevent the crime before it happens.
It is estimated that it takes more than 160 hours and sometimes years to fix the damage that occurs when your personal and credit information is stolen. Don't wait for the theft to happen, enroll with LifeLock today for excellent identity theft solution.
LifeLock Identity Theft Prevention - Save 10%
How Does it Work?
LifeLock identity theft solution sets alerts on your credit reports - usually within 1 hour of your enrollment. These alerts are updated every ninety days, so anytime anyone trys to obtain credit information, you are notified by the credit bureaus for identity theft solution.
Within two to four weeks, you'll receive credit reports from Equifax, Experian and TransUnion. Check these reports carefully for any errors or fraud. LifeLock identity theft solution will re-order these reports periodically for your files.
At the same time you will stop receiving pre-approved credit offers and your junk mail load will be reduced dramatically, for identity theft solution. Identity thieves often use your junk mail to steal your identity.
Your Identity, however, is not only in danger of credit fraud. As a matter of fact, although it can take years to repair, damage to credit reports is often the easiest thing from which a victim to recover. Each and every day, all over the US, identity theft victims find themselves being arrested, denied earned entitlements, being passed over for promotion, not getting hired or, worse, actually getting fired, not getting insurance, paying higher life, health and auto insurance premiums, facing the IRS because an audit alert has been triggered...the list is long and limited only to the thief's imagination and industry.
LifeLock identity theft solution has integrity and operates within the law, but they have no mercy whatsoever for the thief. That's why we guarantee what they do.LifeLock identity theft solution is the only Identity Theft Prevention Solution backed by a one-million dollar guarantee! Click here to get a 10% discount.
Click Here For More identity theft solution details. "

Tags: identity theft solution

Identity Theft Protection and Credit Repair Software

Review
Identity Theft Protection adn Credit Repair Software

Learn how you can prevent one of the fastest growing crimes in America today...IDENTITY THEFT! Plus, learn how easy it is to repair your own credit, to consolidate your credit debt and how to do your own bankruptcy. This excellent resource includes 200 legally binding forms plus course materials you can read directly from your favorite handheld device.

Stop identity theft before it happens! One out of five Americans, or a family member, will become a victim of the fastest growing crimes today....Identity Theft. The number of ID thefts has increased significantly. Learn what you can do now to proactively protect your good name and your credit history.

Personal Identity Theft Protection & Credit Repair

Tags: identity theft protection credit repair

Protect Your Personal Information From Identity Theft and Fraud

Protect Your Personal Information From Identity Theft and Fraud
Protect Your Personal Information From Identity Theft and Fraud
"LifeLock Identity Theft Prevention is the only identity theft prevention service to offer a $1 million guarantee.
PREVENT IDENTITY THEFT!
Identity theft protection is available from LifeLock. You can protect your credit and your personal information from identity theft. We often hear stories about people whose identities were stolen by identity thieves. The Federal Trade Commission's (FTC) determined that ID theft victims spend hundreds of hours over many years to get their lives back in order, and fix their credit. Worse than that, innocent people can end up in jail as a result of Identity Theft (due to mistaken identity). LifeLock Identity Theft Prevention service protects against this ever happening to you - enroll at LifeLock and they stand behind their service with a guarantee - up to $1 million.
The FTC reports that identity theft is the single fastest growing crime in the United States. These days it is one of the easiest crimes for criminals to get away with, and one of the most difficult crimes for individuals and businesses to avoid. At least Identity Theft was one of the easiest crime to get away with - but that was before LifeLock started protecting people's identities and personal information with their proactive ID theft prevention service.
Most estimates show that it takes id theft victims an average of 160 hours to clean up the mess left by having their identity and personal information stolen. Why go through the nightmare of Identity theft? If you enroll with LifeLock, there is no work, and no nightmare. LifeLock stops the crime before it ever happens. It's as simple as that.
LifeLock Identity Theft Prevention - Save 10%
LifeLock prevents Identity Theft. They prevent unauthorized use of your credit and personal information. Period. Working together with the four top national credit bureaus, LifeLock ensures that you're contacted to approve every credit transaction before it takes place. Additionally, LifeLock proactively removes your name from pre-approved credit card offers and junk-mail lists - that's where identity theft often gets started.
LifeLock Identity Theft Prevention is the Leader in proactive identity theft protection and prevention. You may have seen programs about LifeLock in the Wall Street Journal and Chicago Tribune, MSNBC, CNN, and many other national news outlets - they have been talking about LifeLock for some time now.
If your credit and personal information isn't proactively protected, you're at serious risk of your personal information being stolen by sophisticated criminals who can do your credit and your life much harm. Don't be a victim! Forget about waiting until someone steals your identity and your personal information - ruining your life. LifeLock can set up a very affordable, guaranteed system of proactive identity theft prevention for you right away.LifeLock Identity Theft Prevention - Save 10%
Click Here For More Details."

Tags:identity theft prevention and protection

OnlineCreditProfessor.com-Credit Repair Agencies Can Help Improve Your Credit Score - Identity Theft Prevention

OnlineCreditProfessor.com
Credit Repair Agencies Can Help Improve Your Credit Score - Identity Theft Prevention
Excellent advice for determining if you need to use a credit repair agency to fix your credit.
This entry was posted on 2/12/2007 8:55 AM and is filed under Credit Repair,Credit Report,Bad Credit,Credit,Credit Score,Identity Theft.
Credit Repair Agencies Can Help Improve Your Credit Score - Identity Theft Prevention
"There are so many negative consequences to having bad credit. With bad credit you will have difficulty receiving credit, pay higher interest rates, and have difficulty getting employment or an apartment. In addition, bad credit can make it more difficult to obtain insurance, and with bad credit you will usually pay higher premiums.
There are several options avaiable for fixing your credit report ; however, we recommend that you speak to some experts before you decide on which course of action to take. Some of the better credit repair agencies are law firms who specialize in credit and credit repair.
New laws allow you to obtain at least one copy of your credit report from the three credit reporting agencies once per year for free. Start there first. The three credit bureaus are Equifax, Experian and Transunion. Get copies of your credit reports from each agency, and go over them with a fine-toothed comp for mistakes.
Make a list of any mistakes you find and send that list to credit bureaus. You are also looking for any fraud related activities. You'll find the instructions for doing this listed on each credit report. If there are any negatives items listed on the report whether you are liable or not, dispute them as well. If the creditor does not respond within 30 days, these negatives listings can be removed.
There are credit repair companies that will do this for you. Some credit repair services offer “No Risk” money back guarantees if negatives are not removed. You may only have to pay if negative items are removed.
There are also services available to monitor your credit and your identity. They notify you when any changes occur in your credit record and provide you free credit reports. In addition, services to protect your identity can prevent identity theft , the fastest growing crime in the US.
It is well worth your time to investigate and guard your credit. This could save you a lot of headaches in the future. "
LifeLock Identity Theft Prevention - Save 10%

Tags: bad credit report repair, identity theft prevention, improve credit score

WOWT - News

Don't be a victim of identity theft, the fastest growing crime in the US, according to the Federal Trade Commission. Be proactive, and protect yourself before it's too late with LifeLock. It is the only Identity Theft Prevention Solution backed by a one-million dollar guarantee! Click here to get a 10% discount.

WOWT - News
Stolen Credit Repair Kit
"Tool would help identity theft victims
Identity theft is a crime that is hurting more and more people every year.
In 2006, more than 4,000 Nebraskans were victims.
As part of consumer protection week, Nebraska's attorney general is unveiling a new tool to help repair stolen credit.
One Nebraska woman knows the dread of finding out you’ve been a victim of identity theft.
A phone call stopped a credit card issued in her name, with a credit line of $5,000, from reaching the hands of a thief.
"The nightmare began two years ago, when Discover Card contacted me and told me that an account had been applied for in my name," says Jaimee Napp.
It was one of four cards the thief impersonating Jaimee Napp applied for and didn't bother to hide behind a computer.
An elaborate scammer hit her trash can for personal information.
It turned out the thief was Napp’s former supervisor.
Napp says "This woman had taken my date of birth and social security number and personal files and used it for her own gain.”
For Jaimee Napp, regaining stability in her financial life is a work in progress.
But Nebraska's Attorney General Jon Bruning believes this identity theft repair pamphlet will help.
Jon Bruning, Nebraska's Attorney General says, "If you fall victim this could be the difference between being inconvenienced by identity theft and being ruined by identity theft."
The pamphlet is a checklist of ways to protect your identity.
For example: Never give out personal information, get a credit report every year, shred documents with personal information and leave your social security card at home.
For those like Jaimee Napp, there's a check list too. Once you believe your identity has been stolen you need to file a police report and be sure to get a copy.
Contact the Federal Trade Commission and file a report
Contact credit reporting agencies and your credit card company
The thief who was waiting on credit cards in Napp's name, is now awaiting a trial.
Napp doesn’t believe the resolution of her financial situation will come as quickly.
"I believe it will affect my ability to get credit for quite some time," says Napp."

Be proactive. It is much more difficult to repair your credit after your identity has been stolen. Protect your identity with LifeLock. LifeLock is the only Identity Theft Prevention Solution backed by a one-million dollar guarantee! Click here to get a 10% discount. Everyday innocent people are denied credit, jobs, insurance, or even rental property. Even worse, others are arrested for crimes they never committed due to mistaken identity from their personal information being stolen. Don't wait for this to happen to you, protect yourself with a competent service like LifeLock or IDENTITY GUARD®.

Tags: credit repair, identity theft prevention and protection,LifeLock, identity guard

Government Mandated Free Credit Report - How to View Your Annual Free Credit Report Online - Who to Call for Your Free Credit Report

Free annual credit report government mandate. Ordering your credit report is the first step towards credit repair, and now you can view your credit report online - free.
Government Mandated Free Credit Report - How to View Your Annual Free Credit Report Online - Who to Call for Your Free Credit Report"Government Mandates Free Credit Reports for All Consumers
The federal Fair Credit Reporting Act (FCRA) requires that U.S. consumers be entitled to a free credit report each year. The government’s goal is to make sure that consumers stay informed, fight identity theft, and get fair treatment.
In the past, not everybody was entitled to a free credit report. Instead, consumers had to pay or qualify based on certain activity within the credit report. Some states required that residents periodically be entitled to a free credit report, but it is now nationwide.
How do I Get my Free Credit Report?
The nation’s credit reporting agencies have teamed up and built a website that you should use to get your free credit report. The site is https://www.annualcreditreport.com/cra/index.jsp. You can also call them at 877-322-8228 and request your free credit report.
Contacting the Credit Agencies Directly
You can also call the major credit agencies directly and ask about a free credit report. However, the FCRA-mandated “Annual Free Credit Reports” are only available through the website and phone number above. In other words, you might have to pay if you contact a credit agency directly.
I cannot overemphasize that the only way to get your annual free credit report is by using the organization above. If you go any other route, you may have to pay or subscribe to a private service.
What Information do I Need for a Free Credit Report?
You’ll need to be prepared with your name, address, Social Security number, and date of birth. You’ll also need any prior addresses from the past few years. Finally, you’ll be asked to disclose something that only you know (like the amount of a given payment, for example) as a security measure.
When Can I See my Free Credit Report?
In order to manage the process, availability is only available to certain regions at certain times. As of September 1st, 2005, the entire nation has access to a free credit report.
If your region is up and running, you can see your free credit report instantly online (at https://www.annualcreditreport.com/cra/index.jsp). If you use the toll-free number, it may be 15 days or so until you receive the report. "

Obtaining your credit report is the first step to credit repair. Don't hesitate, order your credit report now to determine if there are errors, or fraudulent items listed.

Tags: free annual credit report government mandated