Credit Report

Did you know that according to Federal law, you are entitled to receive one free credit report every year?

It's true - and it's a good idea to take advantage of this law for a number of reasons.

First of all, there is an alarmingly good chance that your credit report is inaccurate, or has been manipulated by one of the three major credit bureaus or a creditor which reports to them. An inaccurate credit report can cause you more problems than you ever want to think about. Largely because of the rampant deregulation of the banking and finance industry over the past thirty years, the credit report has been used as a weapon against working people to hurt them in ways that actually have nothing to do with credit issues! A negative credit report is now used as an excuse to raise insurance premiums (even when the policyholder is otherwise a good risk) as well as deny employment (even when the candidate has a solid work history and good references) and even the right to rent an apartment (even if the prospective tenant has been a model renter).

It's all part of a vicious, unrelenting war against the American middle class by greedy, parasitic corporations. The good news is that under the Fair Credit Reporting Act, you have the legal right to see your credit report and challenge anything on it that can be proven inaccurate or misleading.

The fact is that errors - some of them purposeful - often creep into one's credit report. One egregious example of this is called "re-aging."

If you have a black mark on your credit report, it must by law be removed after seven years (ten years in the case of bankruptcy). Because corporate lenders and finance corporations, the greed of which knows no limit, are able to make far more money on those with poor credit scores, they will go to great lengths to keep individuals in that "sub-prime" category. If a negative item is about to drop from your credit report because a certain date has passed, these corporate parasites will often change the date so the item remains on your credit report.

If you have kept accurate records, this is easily challenged - but only if you have access to your credit report and examine it carefully on a regular basis.

This is only one of the many reasons why you should exercise your legal right to receive a free credit report every year.






Popular Searches Free Credit Report	Credit Report Did you know that according to Federal law, you are entitled to receive one free credit report every year? It's true - and it's a good idea to take advantage of this law for a number of reasons. First of all, there is an alarmingly good chance that your credit report is inaccurate, or has been manipulated by one of the three major credit bureaus or a creditor which reports to them. An inaccurate credit report can cause you more problems than you ever want to think about. Largely because of the rampant deregulation of the banking and finance industry over the past thirty years, the credit report has been used as a weapon against working people to hurt them in ways that actually have nothing to do with credit issues! A negative credit report is now used as an excuse to raise insurance premiums (even when the policyholder is otherwise a good risk) as well as deny employment (even when the candidate has a solid work history and good references) and even the right to rent an apartment (even if the prospective tenant has been a model renter). It's all part of a vicious, unrelenting war against the American middle class by greedy, parasitic corporations. The good news is that under the Fair Credit Reporting Act, you have the legal right to see your credit report and challenge anything on it that can be proven inaccurate or misleading. The fact is that errors - some of them purposeful - often creep into one's credit report. One egregious example of this is called "re-aging." If you have a black mark on your credit report, it must by law be removed after seven years (ten years in the case of bankruptcy). Because corporate lenders and finance corporations, the greed of which knows no limit, are able to make far more money on those with poor credit scores, they will go to great lengths to keep individuals in that "sub-prime" category. If a negative item is about to drop from your credit report because a certain date has passed, these corporate parasites will often change the date so the item remains on your credit report. If you have kept accurate records, this is easily challenged - but only if you have access to your credit report and examine it carefully on a regular basis. This is only one of the many reasons why you should exercise your legal right to receive a free credit report every year.