Featured post

Get Your Free Credit Scores

Use this handy credit score comparison chart that automatically displays the most popular and highest ranking free credit score offers on the net. (Low ranked offers don’t get displayed). These credit score trial offers are really awesome because in addition to seeing your credit files, you get to see your credit SCORES. That’s the number you usually don’t get to see when you apply for an annual credit report or a free credit report gov. But that’s the “magic number” you really wanna see. It’s the number that lenders, banks, mortgage brokers, credit card companies, and pretty much anyone who’ll provide you with a loan or financial credit will use to approve (or deny) your loan request, and/or to set your loan interest rates.

Free Credit Score Comparison Chart
Name Ratings Credit Scores Received Credit Bureaus Monitored Trial Period Other Benefits
3 credit report and score

Experian
Equifax
TransUnion
Experian
Equifax
TransUnion
7-day Free Credit Scores from All 3 Credit Bureaus Fast. 3 Bureau Monitoring

Experian
Equifax
TransUnion
Experian
Equifax
TransUnion
7-day Free Credit Scores from All Credit Bureaus. 3 Bureau Monitoring.

TransUnion Experian
Equifax
TransUnion
7-day Free Credit Score and 3 Bureau Monitoring

TransUnion TransUnion 7-day Free TransUnion Score. $25,000 Identity Theft Insurance

source: freescorereportgov.com

ACCC Survey Finds Nearly 7 in 10 Americans Do Not Trust Retailers with Credit Card Information


Boston, MA (PRWEB) April 24, 2014

Sixty-four percent of American consumers do not trust retailers with their financial information according to a survey by national nonprofit American Consumer Credit Counseling. Recent data breaches at major retailers such as Target and Neiman Marcus have worried consumers that they might be the next victim of identity theft. The survey also found that 42 percent of respondents are now more likely to pay for purchases with cash or check.

In ACCC’s recent Identity Theft web poll at ConsumerCredit.com, 52 percent of the 208 respondents have had their personal information compromised as a result of circumstances such as a lost or stolen credit/debit card, a security breach or an identity theft scam. Consumers between the ages of 35 and 54 were more likely to have experienced identity theft with 65 percent reporting that they had.

“As technology and the digital age continue to advance, retailers need to find ways to improve security to minimize the likelihood and scope of a potential data breach,” stated Steve Trumble, President and CEO of American Consumer Credit Counseling. “Identity theft is at an all-time high and retailers are rapidly losing consumers’ trust, all of which is detrimental to the economy.”

According to the Identity Theft Resource Center, the total number of breaches tracked from 2012 to 2013 have dramatically increased by 30 percent. ACCC found that 41 percent of respondents are not confident that they know how to protect themselves if their information has been compromised – a risk that could prove costly; credit card and debit card fraud cases in 2012 resulted in losses totaling $ 11.27 billion as indicated by Cardhub.com.

“Data breaches have become a national epidemic and it is necessary that consumers know how to protect their personal information and what to do in the case that their information is compromised,” added Trumble. “By being proactive, consumers can avoid the potential for devastating financial ruin that comes as a result of identity theft.”

In any case where a consumer’s identity has been stolen or they believe they are at risk, follow ACCC’s “Identity Theft Checklist” for a step-by-step guide on how to recover:

1.    Contact each of the three credit reporting agencies – Equifax, Experian, and TransUnion – and ask to place an identity theft alert on your reports.

a. In the aftermath of large-scale security breaches such as the 2007 TJX Corporation or 2013 Target breach, the corporation at fault will often provide victims with 1 year of free monitoring at no cost.

2.    Contact the bank and creditors. Consumers can report stolen/missing cards, as well as any fraudulent activity on their statements. They can also close/freeze any accounts that have been tampered with.

3.    Contact the Federal Trade Commission. File a complaint with the FTC and victims will receive a document verifying that they are the victim. This is important for future reimbursements and police involvement. Then, fill out the ID theft affidavit.

4.    Contact the local police department. File a report with local police. A person’s identity should be treated like any other stolen property. Document and report the theft to begin the investigation. Get a copy of the report as evidence for re-securing identity and removing the fraudulent charges.

An online version of the checklist can be found here: http://www.consumercredit.com/media/168787/what-to-do-after-id-theft-memo.pdf.

The Identity Theft poll is the latest in a series of ACCC web surveys for 2014 that focus on a variety of financial education, budgeting, and planning topics.

American Consumer Credit Counseling’s certified and experienced counselors offer various financial education, counseling and debt management services to help consumers achieve long-term financial health and stability.

ACCC is a 501(c)3 organization that provides free credit counseling, bankruptcy counseling, and housing counseling to consumers nationwide in need of financial literacy education and money management. For more information, contact ACCC:


    For credit counseling, call 800-769-3571
    For bankruptcy counseling, call 866-826-6924
    For housing counseling, call 866-826-7180
    Or visit us online at ConsumerCredit.com.

About American Consumer Credit Counseling

American Consumer Credit Counseling (ACCC) is a nonprofit credit counseling 501(c)(3) organization dedicated to empowering consumers to achieve financial management and debt relief through education, credit counseling, and debt management solutions. Each month, ACCC invites consumers to participate in a poll focused on personal finance issues. The results are conveyed in the form of infographics that act as tools to educate the community on everyday personal finance issues and problems. By learning more about financial management topics such as credit and debt management, consumers are empowered to make the best possible financial decisions to reach debt relief. As one of the nation’s leading providers of personal finance education and credit counseling services, ACCC’s certified credit advisors work with consumers to help determine the best possible debt solutions for them. ACCC holds an A+ rating with the Better Business Bureau and is a member of the Association of Independent Consumer Credit Counseling Agencies. To participate in this month’s poll, visit ConsumerCredit.com and for more financial management resources visit TalkingCentsBlog.com.







Related 3 Credit Reports Press Releases

Deter. Detect. Defend. Avoid ID Theft

Each year, millions of Americans have their identity stolen. The Federal Trade Commission wants we to have the data you ought to safeguard oneself agai…
Video Rating: 4 / 5

Id theft blog - Best 12 identity theft prevention strategies (part1) - How to avoid identity theft ?

Best 12 identity theft prevention strategies (Part 1) http://www.avensoft.biz/best-identity-theft-prevention-tips/ Log about to Id theft website at http://www.avensoft.b…
Video Rating: 5 / 5

Free Credit Score Services

A credit score is a score based on the credit report of an individual. It reflects the person’s credit worthiness depending on his/her credit history. In the US, the credit score is based on the FICO (Fair Isaac Corporation) score that is calculated by using mathematical and statistical techniques. There are also other versions of calculating credit scores such as Beacon and Empirica. A FICO score is based on various factors including: punctuality of payment in the past, capacity used (ratio of current revolving debt to total available revolving credit), length of credit history, types of credits used and recent credits obtained. FICO scores range from 300-850 wherein a score below 600 is considered “bad” while a score above 720 is considered “good”.

An individual can obtain his/her credit score, free of cost, from all the three credit bureaus: Experian, Equifax and TransUnion once a year. All three reports can be ordered at the same time. It can also be obtained more than once under certain circumstances. All these three bureaus also offer other services apart from maintaining and furnishing credits reports. These include the PLUS score, provided by Experian, which represents the exact credit risk an individual presents. This is generally used by credit agencies and lenders while considering loan applications. Employers and landlords also use this score. A higher PLUS score indicates better credit history and hence easier loan processing as well as lower interest rates. However, these may not always be free.

Other credit score related services include certain tied benefits such as free credit score with an order of three credit reports or free credit score for a limited period. Some companies offer services such as free alerts about changes in the credit report and advice about loan lenders and credit card companies that would provide credit suitable to the client’s credit score. However, the free offers are generally used to just attract people towards their other services. The free services are only for limited periods and usually require registration to their other paid services for accessing free credit scores.

Related Free Credit Score Articles

where to get free credit score?

Question by Xxkizanplayerxx: where to get free credit score?
cant get a credit card or anything. where is a site where I can truly get my free credit score.

Best answer:

Answer by Jelloooo!
Well I was shopping for a new car, which one’s me?
A cool convertible or an SUV.

Too bad I didn’t know my credit was whacked,
’cause now I’m driving off the lot in a used sub-compact.

F-R-E-E, that spells “free,” credit report dot com baby.
Saw their ads on my TV. Thought about ‘goin but was too lazy.

Now instead of looking fly and rolling’ phat,
my legs are sticking to the vinyl and my posse’s getting laughed at.

F-R-E-E, that spells “free,” credit report dot com baby.

Sorry I just had to.

Know better? Leave your own answer in the comments!

how does credit repair function?

Question by Jame Thao: how does credit repair function?
Guy mentioned i don’t actually understand when i been with a legit credit repair or not, nevertheless please allow me learn when any of we man here have the same experience.

Said i agreed to signal up with this 1 regional credit repair organization that provide to eliminate because much damaging because they may from my credit report. They charge me as much as $ 4xx.00 for fees

today it was regarding 2 month past plus virtually 3 when it the finish of December. I have a total of 6 collection agency that has been reported about my credit history, plus every of them has a different amount i owed. Let mentioned, Collection (A) i owed $ 95 (B) $ 65 (C) $ 156 (D) $ 99 (E) $ 103 (F) $ 205

I was told which they can try to removed&resettled the debt, however, should I need cash found on the place that is they may negotiate plus receive the bill to lower. As an example maybe 65% off every creditor plus than following the payment has been confirmed, they may have the credit bureau delete it off my credit report.

Well, when which is the case, it doesn’t create sense when i could only call the creditor plus negotiate with them about a resettle program without need to pay $ 4xx.00 to the credit repair business + all cash which i must pay following the credit repair firm negotiated with all the creditor. Let said all collection A-F add as much as $ 620 plus they were capable to receive it low to $ 400.

I think i be better really negotiate with all the collection agency plus repay with all the funds i been charge for membership fees with all the credit repair business.

Any advices here?

Best answer:

Answer by Ed Fox
Although credit repair firms are doing nothing illegal, they cannot really do anything which you can not do oneself. They prosper as a result of the amount of the persons too lazy to work through their own issues or otherwise are looking an effortless answer to their issues.
Collection agencies themselves just prosper considering a lot of folks shortage the good sense to contact the creditor instantly there is a issue. If this might be completed, the creditor realizes you may be an honest simple individual plus usually function along with you. Those that disregard the creditor plus just sit back plus permit the issue to receive worse are logically considered individuals hoping to evade their debt

Know greater? Leave your answer inside the comments!

One Thing We Want to Add to The Tax-Time Checklist


Rockville, MD (PRWEB) April 01, 2014

One thing which cannot be forgotten because customers are getting ready to file their taxes returns is an evaluation of their credit report. With the Federal Trade Commission reporting which 1 inside five customers has mistakes about at smallest 1 of their reports, yearly credit monitoring ought to be a top goal for everyone. OpenSky®, a premier credit card issuer for customers having to repair or rebuild their credit, suggests which because customers evaluate their total financial pic inside planning for their taxes filing, they could take the chance to do an yearly credit review too.

Cardholders are advised to go to http://www.AnnualCreditReport.com, the official website authorized by the Federal government. Federal law enables customers a free report each twelve months from every of the 3 main customer credit reporting businesses — Experian, TransUnion, plus Equifax. “If you’re doing the taxes, utilize it because a chance to perform a credit report check,” claims OpenSky President Nick Bryan. “For anyone functioning to build their credit, learning plus safeguarding which info is important to achieving their financial objectives.”

For customers that can’t remember the last time they checked their credit reports, Bryan claims there’s no time like the present. “Just like with the medical, early detection is the key,” he adds. “The sooner an mistake or fraudulent activity is caught, the greater the possibilities of reducing the damage.”

“We usually motivate cardholders to remain over their financial info,” Bryan states. The suggesting goes which ‘knowledge is energy,’ plus which is specifically true with regards to a credit report. To learn more regarding OpenSky, see http://www.openskycc.com

About OpenSky:

OpenSky is a company line of Capital Bank, N.A., a full service commercial bank inside the Washington, D.C. metropolitan region. A top-ranked bank based about performance, it’s truly the only bank inside Maryland plus Washington, D.C. to result in the American Bankers Association Journal (ABA Journal) list of top 100 operating community banks inside the class of over $ 100 Million inside Assets. With almost $ 500 inside assets, Capital Bank provides a full range of banking services including cash administration, commercial lending services, residential mortgage plus customer credit. For more info regarding the Bank, see http://www.capitalbankmd.com. Member FDIC. An Equal Housing Lender.







More Equifax Press Releases

When Should You Check Your Child's Credit Reports?

When Should You Check Your Child's Credit Reports?
Children should not have credit reports. Therefore, a credit report in the name of a child who has never applied for or been granted credit is likely a sign that something is amiss. Parents who suspect a problem may want to contact the credit reporting …
Read more on Credit.com News (blog)

What to Do When an Employer Wants to Pull Your Credit Report
Whether or not this is actually the case (and a few studies show that it generally isn't), running credit checks on job applicants is actually a fairly common practice. Here's what you need to know about them. There are credit reports that are designed …
Read more on Fox Business

TG and Texas Tech University host Credit Report Review Day
While college students may believe they need a bankcard or credit card to pay for certain expenses, many do not realize it's equally essential to check their credit report regularly to make sure it accurately depicts their credit history. To encourage …
Read more on KCBD-TV

China Vitamin C plus Derivatives Markets Research Report at ReportsnReports.com

Dallas, Texas (PRWEB) March 31, 2014

China’s need for vitamin C plus derivatives has grown at a quick pace inside the previous decade. In the upcoming five years, both manufacturing plus need can continue to develop. This hot research examines China’s financial styles, investment environment, industry development, supply plus need, industry capability, industry structure, advertising channels plus main industry participants. Historical information (2003, 2008 plus 2013) plus long-term predictions from 2018 plus 2023 are presented. Major manufacturers inside China are profiled. Browse complete report @ http://www.reportsnreports.com/reports/279510-vitamin-c-and-derivatives-markets-in-china.html.

Table Of Contents

I. Introduction

Report Scope plus Methodology

Executive Summary

II. Organization Environment

Economic Outlook

Key Economic Indicators

Industrial Output

Population plus Labor

Foreign Investment

Foreign Trade

Financial plus Tax Regulations

Banking System plus Regulations

Foreign Exchange

Taxes, Tariff plus Custom Duties

Purchase Report @ http://www.reportsnreports.com/purchase.aspx?name=279510.

III. Vitamin C And Derivatives Industry Assessments

Vitamin C plus Derivatives Industry Structure

Market Size

Market Growth Drivers

Vitamin C plus Derivatives Industry Capacity

Major Producer Facility Locations, Output plus Capacity

Market Share of Key Producers

Labor Cost

Potential Entrants

Major Distributors

Major Foreign Investments

Technology Development

IV. Vitamin C And Derivatives Production & Demand

Overview

Vitamin C plus Derivatives Production plus Demand (metric tons)

Vitamin C plus Derivatives Output

Vitamin C plus Derivatives Imports plus Exports

Vitamin C plus Derivatives Demand

Pricing Trend

V. Vitamin C And Derivatives Market Outlook

Vitamin C plus Derivatives Markets Outlook Overview

Government Regulations

Consumer Spending Trends

Northeast

North

Southeast

Central

Southwest

Northwest

Vitamin C plus Derivatives Demand by Region

Northeast

North

Southeast

Central

Southwest

Northwest

Demographic Trends

Health Care Industry Trends

Hospitals plus Hospital Beds

Alternatviely you could receive a discount @ http://www.reportsnreports.com/contacts/discount.aspx?name=279510.

VI. Marketing Strategies

China Market Entry Overview

China’s Distribution System

Vitamin C plus Derivatives Distribution Channels

Transportation plus Freight Infrastructure

Communications

China’s Market Entry

Export to China

Indirect export

Direct Export

License plus Contract Manufacture

Assembling inside China

Contract Manufacturing

Trade Permit

Investment

Equity Joint Venture

Contractual Joint Venture

Wholly Foreign-Owned Enterprise

VII. Vitamin C And Derivatives Producer Directory

Vitamin C plus Derivatives Producer Profiles

Distributors plus Trading Companies

Research Institutions plus Associations

List Of Tables

I. Introduction

Economic Outlook Summary

Vitamin C plus Derivatives Provide plus Demand Summary

II. Company Environment

Key Economic Indicators

Industrial Output

Population plus Labor Force Trends

Foreign Investment plus Loans

Foreign Trade

III. Vitamin C And Derivatives Industry Assessments

Vitamin C plus Derivatives Industry Capacity

Major Producer Facility Location

Manufacturers Number by Province

Major Vitamin C plus Derivatives Producer Output plus Capacities

Market Share of Key Producers

Major Foreign Investments

IV. Vitamin C And Derivatives Production & Demand

Overview

Vitamin C plus Derivatives Production plus Demand (metric tons)

Vitamin C plus Derivatives Output

Vitamin C plus Derivatives Imports plus Exports

Vitamin C plus Derivatives Demand

Pricing Trend

V. Vitamin C And Derivatives Market Outlook

Vitamin C plus Derivatives Markets Outlook Overview

Consumer Spending Trends

Northeast

North

Southeast

Central

Southwest

Northwest

Vitamin C plus Derivatives Demand by Region

Northeast

North

Southeast

Central

Southwest

Northwest

Demographic Trends

Health Care Industry Trends

List Of Charts

I. Introduction

Total Vitamin C plus Derivatives Output plus Demand

II. Organization Environment

China’s GDP plus Growth Rate

Industrial Output by Ownership

China’s Imports plus Exports

III. Vitamin C And Derivatives Industry Assessments

Vitamin C plus Derivatives Capacity inside China

IV. Vitamin C And Derivatives Production & Demand

Overview

Vitamin C plus Derivatives Production plus Demand (metric tons)

Vitamin C plus Derivatives Output

Vitamin C plus Derivatives Imports plus Exports

Vitamin C plus Derivatives Demand

Pricing Trend

V. Vitamin C And Derivatives Market Outlook

Vitamin C plus Derivatives Markets Outlook Overview

Consumer Spending Trends

Northeast

North

Southeast

Central

Southwest

Northwest

Vitamin C plus Derivatives Demand by Region

Northeast

North

Southeast

Central

Southwest

Northwest

Demographic Trends

Health Care Industry Trends

Explore additional hot reports by AMID @ http://www.reportsnreports.com/publisher/amid/.

About Us

ReportsnReports.com is an online marketplace analysis reports collection of 200,000+ reports plus in-depth research of 5000+ micro markets. Call +1 888 391 5441 with a industry analysis needs or email the information about sales(at)reportsandreports(dot)com.