Under the Fair Credit Reporting Act, you have the right to obtain a free Annual Credit Report once a year without charge from all three nationwide consumer reporting companies. These are: Equifax, Experian, and TransUnion.
The reports are very detailed; they will have your current address and a record of your paid and unpaid bills going back many years. It will show late payments, if they were informed of them, and if you had a bankruptcy it will now stay on your credit reports for 10 years. Whenever you apply for credit, employment, insurance, or a rental, the information on your report can be provided for a fee to your creditor or prospective landlord. However, prospective employers will need your permission before they can obtain your credit report.
In case you need to apply for a loan or a job it is desirable to have your reported information up-to-date and accurate ahead of time.
Should you ever become a victim of identity theft, it will show on your credit reports, because most of the time identity thieves use stolen information to open a new credit card account in your name. If this would go one for a while and you don’t know about it, much damage can be done. People that have experienced this generally say it is a time-consuming nightmare they wouldn’t wish on anyone.
Your free annual credit reports can be ordered either by calling 1-877-322-8228, or through annualcreditreport.com; or you may write to Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281. You can either ask for all three reports at once or you can spread it over a year. The advantage of having all three at the same time is that if there is a problem or error you will be instantly aware of any errors that should be removed or entries that need explanation. You can then contact the reporting company and request that the entry be corrected.
You should be aware that if you mistakenly use another so-called “free” service, you may end up paying a fee. The above website is the one guaranteed not to charge you for your free annual credit reports, as long as they are ordered once a year only. If you want more, you will have to pay, but if you call them they will tell you how much they will charge for each one.
When your Credit Report is correct and shows a very low score it may interfere with your ability to obtain more credit, to rent an apartment, or to qualify for the purchase of a home. It will take some time to repair and raise a low credit report score. If you are in debt and want an alternative to filing bankruptcy, this is a good time to contact Fast Track.
Fast Track’s Settlement Program has experienced debt specialists working with your creditors to negotiate and settle your unsecured debts to make your financial situation more manageable, enabling you to pay off the lower agreed-to amounts over no more than three years. They can give you the peace of mind that comes with knowing that you made the effort to accomplish something and having your debt problems finally settled with Fast Track’s help. That’s our mission.
When we start your plan we establish an affordable monthly payment which is deposited in a settlement account in your name. Once you have the required funds in your settlement account, we will contact your creditors and make settlement offers. We will continue to work with them until all debts in the plan have been settled. FastTrack’s goal is to settle all debts in the plan for 40%-60% of what you owe.
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