Saturday, March 28, 2015
 

Is Free Credit Report Gov Enough?

It’s always a good idea to see your free credit report gov once an year from annual credit report. But did you know it doesn’t include your credit SCORES?!. But that’s the “magic 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. But your credit scores aren’t included in your annual credit report or as it’s often called a free credit report gov.

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).

source: freescorereportgov.com

Name Ratings Credit Scores Received Credit Bureaus Monitored Trial Period Summary

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

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

Single Credit Score Experian
Equifax
TransUnion
7-day Free TransUnion Score and 3 bureau credit monitoring

THIS NOTICE IS REQUIRED BY LAW. Read more at FTC.GOV. You have the right to a free credit report from AnnualCreditReport.com or 8773228228, the ONLY authorized source under federal law

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Obtaining a Credit Report

There are many reasons why you would need to obtain a 3 credit report. Generally, though, it’s to secure some sort of a loan from the bank such as a mortgage or to apply for a credit card. In other cases, people may need to check their credit score because of security reasons — they have been the victim of identity theft and want to make sure the criminals have not done anything wrong with their financial information.

Where do you get your credit report?

Depending on what country you live in, you can often get a free credit report from any of the large credit checking agencies. Many governments (such as the United States, Canada and most of the European countries) provide laws which allow you to access this information for free under the various freedom of information acts.

In the United States, you can fill out a form usually found at the bottom of the major credit checking agency websites for a free credit check. You will usually need to give them your name, address and social insurance number and there may even be a time limit of one of these every year. You will usually receive your credit score in the post within a few weeks.

Obtaining an enhanced credit report

An enhanced free credit reports from all 3 bureaus might in fact be more appropriate to your needs in many cases. You can get one of these at any of the major credit checking associations, such as TransUnion, Equifax and Experian. All three of these companies offer a variety of competing services, so you might need to check each individual website for the current benefits in comparison.

Some useful features of an enhanced credit report

Getting an enhanced credit report will give you access to a lot of information and you should look at the different services available and see if you need any of these features.

Live and current situation. All three of the agencies allow you to track your current credit score in real time. You can log in at any time of the day and check to see what your rating is at that particular time. There will probably be a 1-2 day delay as you make purchases, but using a feature such as this it is easy to stay on top of criminals who are trying to use your identity. You will be able to respond much faster to a developing situation and take steps to inform your credit card company or a relevant party that you are a victim if needed.

Alerts to email and cell phone. For the added layer of extra protection, you can choose to have your credit report changes texted to your cell phone or sent to you by email, so you do not have to log in, only when necessary.

Analysis of your credit. All three of the services offer an in-depth analysis of your buying habits and can potentially give you great advice to improve your credit report in the future.

Make sure you stay on top of your free credit reports and sign up for one of the three services..

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Allstate Agent Kimberley Ellison on Identity Theft Prevention | Hallmark Home & Family

To know more about Allstate Homeowners Insurance, please visit: http://al.st/1ig_HomeInsurance. For more tips to protecting your home and family, visit: http://al.st/1iM_GoodLife Connect with…

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Linn-Benton Community College Announces Brand New Online Campus: LB iLearn


Albany, Oregon (PRWEB) March 27, 2015

Linn-Benton Community College is officially announcing the launch of its brand new web campus, LB iLearn. Products formally established January 14, and pupil enrollment has been gradually increasing since.

LB iLearn, offering 100 percent on the web, flexible-paced programs, is anticipated to attract pupils who’re incapable of go to the traditional university as a result of a number of obstacles to availability: transport, work obligations, scheduling conflicts, daycare, area, and much more.

About LB iLearn

Financed by a four year Trade Adjustment Assistance Community university and profession Training (TAACCT) grant on the behalf of the U.S. division of work, LB iLearn has been doing development since 2013.

The goal of the LB iLearn university is always to offer high quality education to anybody, whenever, everywhere. LB iLearn pupils can start classes any Wednesday of the season. All coursework is online and pupils may move through their coursework at a pace of their choosing.

Instead of spending a per credit price for tuition, LB iLearn pupils pay a flat price each month and can even complete as numerous credits for the quantity as they are in a position. This gives accelerated mastering and faster completion of credits.

Support is a vital section of the LB iLearn campus. Each pupil is provided with a Navigator which will act as a mentor that will stick with all of them from the time they start to if they finish their credential. Each program is equipped with a Content Expert which can be found for extra help and an Assessment Evaluator who grades coursework and provides significant comments. This staff of help guarantees pupils cannot feel “on unique” and promotes pupil success.

Programs provided through LB iLearn are short term certificates in Social Media, health Coding and Reimbursement, Office Technology Skills, and Accounting Clerk. An associate’s level in Business management is also offered. Lastly, courses on Computed Tomography can be found for individuals who have their particular Diagnostic Imaging permits and would like to increase their particular skills. Even more programs can be added whilst the university grows.

Potential students enthusiastic about more details should get in touch with Lara Miller, LB iLearn Admissions Specialist, at 541-917-4887 or millerl(at)linnbenton(dot)edu. The LB iLearn web site can be found at http://lbilearn.linnbenton.edu.

Contact

To learn more about LB iLearn, please contact

Lara Miller, LB iLearn Admissions Specialist

Linn-Benton Community University

6500 Pacific Blvd. SW, WH 120

Albany, otherwise 97321

541-917-4887

millerl(at)linnbenton(dot)edu







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Modern Contact Centers Improve the Customer Experience and Support Omnichannel Banking Strategy


Boston, MA (PRWEB) March 19, 2015

Banking contact centers have evolved beyond basic telephone-based call centers to more sales- and service-focused centers that support 24×7 interaction with customers across banking channels and lines of business. Today’s contact center is central to the movement toward omnichannel banking, and promises heightened levels of customer satisfaction.    

In a new research note, Contact Centers: A Critical Component for Customer Satisfaction in Banking, Mercator Advisory Group reviews the opportunities and challenges for banks, credit unions, and other financial institutions in transitioning their monochannel call centers to omnichannel contact centers. Mercator Advisory Group survey data is presented as evidence of U.S. adults’ willingness to try new methods of communication with financial institutions. The research note discusses staff training requirements and some examples of contact center technology solutions from vendors.

“Following a strategy used to assess branch efficiency and improve performance, financial institutions are reviewing and reconfiguring their call and contact centers to include capabilities beyond basic functions like providing account balances and handling complaints. Today’s contact centers represent assets that can be leveraged as a critical component of the move to omnichannel banking,” comments Ed O’Brien, director of Mercator Advisory Group’s Banking Channels Advisory Service and author of the research note.

Highlights of this research note include:


Evolution of the contact center propelled by advances in online and mobile banking and their convergence in digital banking solutions

Data from Mercator Advisory Group CustomerMonitor Survey Series that is evidence of U.S. banking customers’ interest in new approaches to customer contact and banking

Requirements for training of banking personnel for the modern contact center

Examples of vendors’ technology solutions for use in contact centers

This research note is 12 pages long and has 8 exhibits.

Companies mentioned in this research note include Contact Solutions, Enghouse Interactive, and NCR.

Members of Mercator Advisory Group Banking Channels Advisory Service have access to this research note as well as the upcoming research for the year ahead, presentations, analyst access and other membership benefits.

Please visit us online at http://www.mercatoradvisorygroup.com.

For more information and media inquiries, please call Mercator Advisory Group’s main line: (781) 419-1700

For free industry news, opinions, research, company information and more visit us at http://www.PaymentsJournal.com.

About Mercator Advisory Group

Mercator Advisory Group is the leading, independent research and advisory services firm exclusively focused on the payments and banking industries. We deliver pragmatic and timely research and advice designed to help our clients uncover the most lucrative opportunities to maximize revenue growth and contain costs. Our clients range from the world’s largest payment issuers, acquirers, processors, merchants and associations to leading technology providers and investors. Mercator Advisory Group is also the publisher of the online payments and banking news and information portal PaymentsJournal.com.







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Identity Guard Review Your Recommendation for ID Theft Coverage

We reviewed several identity theft protection businesses and after scrutinizing them we advice identification shield. This video provides an in depth consider the features and services you can expect…
Video Rating: 5 / 5

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Endo International plc – Assigned "BB" Credit Rating (ENDP)

Endo International plc – Assigned "BB" Credit Rating (ENDP)
Endo International plc – logo Endo International plc – (NASDAQ:ENDP) has received a “BB” credit rating from analysts at Morningstar. The research firm's “BB” rating indicates that the company is an above-average default risk. They also gave their stock …
Read more on sleekmoney

Morningstar Issues "BBB+" Credit Rating to Bed Bath & Beyond (BBBY)
Bed Bath & Beyond (NASDAQ:BBBY) has been given a “BBB+” credit rating by analysts at Morningstar. The investment research firm's “BBB+” rating indicates that the company is a moderate default risk. They also gave their stock a two star rating. A number …
Read more on WKRB News

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Latest Experian Information

Auto Financing at Record Highs
Renting in addition will continue to increase, based on Experian, and therefore is as a result of falling rent repayments. The typical month-to-month lease payment decreased $ 12 from last year to attain $ 408 in 4th one-fourth. Experian also noted the average credit …
Read more on 24/7 Wall St.

Experian/Moody's Report Sheds Optimism On SMEs
Small enterprises in america tend to be showing probably the most encouraging financial actions seen in the last few years, according to the newest Experian/Moody's Analytics business Credit Index. The report, released quarterly, provides insight into …
Read more on PYMNTS.com

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Connect First Recognized for Continued Payment Card Industry (PCI) Excellence


Boulder, Colo. (PRWEB) March 18, 2015

Connect First has been recognized by Compliance Point, a leader in PCI Compliance, for their continued excellence and strict adherence to PCI DSS standards. PCI DSS is a set of standards established by the major payment card brands to protect consumers and their personal data through the payment transaction process—from data input to storage, processing and transmission.

“In the contact center industry many vendors claim that they have PCI compliance when that is not actually true,” said Dan Candee, COO of Connect First. “Instead, they rely on a third party company to run credit card processing though their systems, adding both cost and danger to the process. Connect First is a leader in the sense that they have devoted the time and resources to maintain Service Level 1 PCI Compliance certified by the Payment Card Industry Security Standards Council.”

Payment Card Industry (PCI) Compliance has been a hot topic the past year, with major corporations like Target and the Home Depot getting hacked, compromising millions of credit cards and other valuable customer data.

For more information on PCI DSS, please visit the Connect First Compliance Suite.

About Connect First: Connect First is PCI Certified provider of award-winning cloud contact center software that focuses on customer satisfaction and elegant hosted solutions. Connect First offers a robust platform, designed and supported by a team of highly experienced engineers, designers and business analysts, and backed with personalized in-house customer care. Solutions include Cloud Routing, Inbound ACD, Outbound Dialing, Call Tracking, Interactive Voice Response (IVR), Voice Broadcast, Disaster Recovery, Predictive Dialer, Real-Time Telemetry, CDR Reporting, Live Agent Chat and more. Through a consultative approach with each customer interaction, Connect First builds customized solutions to meet the needs of a discerning customer base. Visit http://www.connectfirst.com for more information or a free consultation with a contact center solutions expert.







Find More Free Credit Report Press Releases

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Crucial Ideas You Shouldn’t Ignore Whenever Fixing Your Credit File

An old fashionable saying says that “whatever may be worth doing is really worth doing well.” This is true in lots of respects, else the credit repair companies won’t be getting consumers’ patronage when they weren’t performing their particular jobs well. And you may perform some exact same also in the event your want to fix your file with the do-it-yourself method. We’ll clarify that later in this article, but before that you would like to understand the first rung on the ladder to becoming successful when you look at the management of your file is always to grab it from annualcreditreport dot com.

From then on, you will spend some quality time concentrating on the data taped here by the information bureaus. These bureaus, Experian, Transunion, and Equifax, are accountable just for translating the info fond of them by your lenders into ratings. This is exactly what lenders and finance companies used to examine you if you require any form of financial assistance.

Understand that you’ll be concentrating on not one, but all three of reports when you begin a repair task on your own file. If you are sure you have identified all unfavorable and mistaken info on your report, you may proceed to another period. This brand new stage involves you drafting and mailing some simple and easy well-crafted dispute letters to the bureaus. If there’s any collector that’ll be requesting payment from you, then you may start thinking about repeating an equivalent task for them too. What you will be doing will be send a validation page on debt-buyers asking them to give you authenticity of these involvement in creating choices away from you. Negotiating with a collector in return for removal of their collection account on your own file is yet another option to reverse the specific situation.

Constantly ensure that you deliver your letters through standard mail while you try not to wish a bureau or enthusiast denying ever before receiving any page from you.

To master how-to try this, recall the mention of the do-it-yourself strategy and also the agency fix method discussed at the start. Come to a decision of which one you prefer most readily useful.

More Credit Repair Articles

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MTS Software Solutions Joins Mortgage Bankers Association

Moorestown, NJ (PRWEB) March 20, 2015

As a reliable supplier of document and information administration solutions, MTS Software Solutions (MTS) shows their dedication to offering superior services and products on home loan banking neighborhood by subscribing to the Mortgage Bankers Association (MBA).

The Mortgage Bankers Association could be the leading relationship representing all sections associated with real estate finance business. By getting people, MTS Software Solutions can make the most of study, education and activities provided by the Mortgage Bankers Association. MTS will display during the MBA’s nationwide Technology in Mortgage Banking meeting & Expo 2015 which happens March 29 – April 1 in Orlando, Florida.

“The staff at MTS Software Solutions will continue to spend significant time, energy and resources in building solutions for the home loan business that take into account the continual alterations in technology, the market, regulating conformity, etc.,” said John C. Enny, VP of advertising at MTS. “so that you can preserve an aggressive advantage and continue to be relevant in the industry, we think getting use of the research, information and peer network that MBA membership provides is a worthwhile financial investment.”

MTS software programs offers home loan processing automation technology called IntellaLend. IntellaLend, integrates intelligent capture, workflow automation, and analytics to minimize handbook work and optimize conformity in home loan handling. By automating loan setup and planning and integrating with loan origination methods along with other business programs, lenders can turn more applications in less time with less resources.







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Latest Equifax News

Free Equifax credit check this week with Top Cashback
Online cashback website, Top Cashback, are currently offering a free credit check to their members and the option to earn £8.92 in the process. Credit checks are recommended for people about to open a new bank account, get a first-time mortgage or …
Read more on Mirror.co.uk

Pres of Equifax Inc Discloses Insider Trading
Equifax, Inc. (NYSE:EFX), The Pres-Wkfrc Sol, of Equifax Inc, Adams J Dann had unloaded 1,500 shares at $ 93.38 per share in a transaction on February 27, 2015. The total value of transaction was $ 140,070. The Insider information was revealed by the …
Read more on Ashburn Daily

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