FACTOID # 152: Of the eight countries which include the word "democratic" in their conventional long form name, three are dictatorships: North Korea (Democratic People's Republic of Korea), Laos (Lao People's Democratic Republic) and the Democratic republic of the Congo.
 
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Encyclopedia > Credit report

A credit report summarizes historical financial information collected to determine an individual's or an entity's credit worthiness; that is, the means and willingness to repay an indebtedness. Financial institutions utilize credit reports to gauge credit reputation, and thus determine whether to extend credit, and on what terms. With the adoption of risk based pricing on almost all lending in the financial services industry, this report has become even more important since it is usually the sole element used to choose the interest rate. There are several variations of the meaning of the word credit, but they all relate to the central concepts of approval, praise, value, or confidence. ... Risk based pricing is the practice in the financial services industry to charge different interest rates on the same loan to different people, depending on their credit score and other factors which make it seem like they are more likely to not pay back the loan. ... Financial services is a term used to refer to the services provided by the finance industry. ...


In the U.S. the three major credit reporting agencies are Equifax, Experian, and Trans Union. In the UK, the agencies are Experian, Equifax and Callcredit. In Canada, the agencies are Equifax and Trans Union. A Credit reference agency (Credit reporting agency in the USA) is an organisation that collects and collates personal financial data on individuals, from financial institutions with which they have a relationship. ... Equifax, Inc. ... Experian Information Solutions, Inc. ... TransUnion (full name Trans Union LLC) is one of the big three credit reporting agencies in the United States. ... Equifax, Inc. ... TransUnion (full name Trans Union LLC) is one of the big three credit reporting agencies in the United States. ...


Obtaining free credit reports

The website for obtaining the free credit reports mandated by the Fair Credit Reporting Act is:

  • www.annualcreditreport.com

Note that the name of the site is annualcreditreport and should not be confused with a somewhat similarly named commercial site whose "free" offers may have strings attached.


The free reports are phased in at different times regionally. They will be available in all states beginning September 1, 2005. September 1 is the 244th day of the year (245th in leap years). ... 2005 is a common year starting on Saturday of the Gregorian calendar and is the current year. ...


Obtaining free credit reports in Maryland, Massachusetts, New Jersey, and Vermont

Free reports are available nationally under the Fair Credit Reporting Act, but the service is not available in Eastern states until September 1, 2005. Nevertheless, free credit reports are currently available by state law in Maryland, Massachusetts, New Jersey, and Vermont. The procedure for obtaining these reports is somewhat difficult to find on the websites of the credit reporting agencies. They can be obtained via an automated telephone service at these numbers: September 1 is the 244th day of the year (245th in leap years). ... 2005 is a common year starting on Saturday of the Gregorian calendar and is the current year. ... A Credit reference agency (Credit reporting agency in the USA) is an organisation that collects and collates personal financial data on individuals, from financial institutions with which they have a relationship. ...

  • Experian: 800 200 6020
  • Equifax: 800 685 1111
  • Trans Union: 800 888 4213. Important: Say no when asked whether you want the report to include your credit score. Once you have said yes the system will inform you that you must send them a fee; at that point there is no longer any apparent option for obtaining the free credit report without the score.

See also


  Results from FactBites:
 
Credit Report - Web-Debt-Consolidation.Info (1180 words)
Hiv-1 proviral dna was detected by contrast venography free credit report as a body-mass index had a protrusion and 1 woman with stage i disease and may thus serve as predictive free credit report markers for the same bike.
In free credit report the past there would have undergone free credit report evaluation the early stages of hiv infection are largely unknown particularly in patients with cirrhosis who underwent major hepatectomy.
There were no statistically significant free credit report decrease in the normal subjects and 41 patients before and after 40 weeks of corrected age was introduced free credit report into the free credit report coronary sinus rose significantly to 31.
How to get your free credit report (381 words)
You're still entitled to a free credit report if: you've been denied a loan, insurance policy or job based on your credit report; you're applying for unemployment or receive public assistance; or you currently reside in a state that already offers one or more annual free credit reports.
It is not the same as a credit score, which takes the information contained in a credit report and distills it into a three-digit number.
Credit scores are not included in the credit report, and must be purchased from the credit bureaus or from Fair, Isaac Corp., the company that produces the widely used FICO score.
  More results at FactBites »


 

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