my articles | learn more about DirectoryM articles | contact us | advertise with us   
 
SEARCH:
Quick Search Results

Searching...

ABOUT US | VIEW ALL FEATURED ARTICLES | VIEW ALL TOPICS | VIEW ALL REGIONS | DM MOBILE | DM BLOG

Credit Report Florida

A credit report records your financial life in the form of credit history for seven to ten years. It is imperative that you check your credit report at least once annually to ensure that its accuracy is maintained.
1. Local Companies
2. Information Collectors
3. Correcting Errors
4. What is Included in a Credit Report
5. Featured Local Company

1. Local Companies

Insurance Care Direct
(866) 792-5976
1096 E. Newport Center Dr.
Deerfield Beach, FL
WCS Lending
954-658-3018
6501 Congress Avenue
Boca Raton, FL
Cathy Pareto And Associates, Inc.
786-375-1698
2332 Galiano Street
Coral Gables, FL
Merrill Lynch
954-537-3905
2611 East Oakland Park Blvd.
Fort Lauderdale, FL
Sterling Management Resources Inc
813-979-1559
405 N. Reo Street
Tampa, FL
John Hancock Financial Network - South Florida Group
786-262-7652
1101 Brickell Ave
Miami, FL
Taxback LLC
321-284-1919
1854 Destiny Boulevard #105
Kissimmee, FL
The Bank of Tampa
813-872-1322
5401 West Waters Avenue
Tampa, FL
JPMorgan Chase & Co.
904-477-2491
159 Bay Cove Drive
Ponte Vedra Beach, FL
Lighthouse Lending Group, Inc.
772-288-0405
951 SE Central Pkwy
Stuart, FL


2. Information Collectors

There are three main national credit-reporting agencies in the United States. They are Experian, Equifax, and TransUnion. A fourth credit-reporting agency is Innovis Data Solutions. The first three are often linked together and offer an annual free credit report service under one website, found under free credit report or annual credit report on Internet search engines. They are for-profit credit report companies and are unaffiliated with the United States government. After giving proper identification by answering a few questions, you will receive your free credit report instantly.

In the United Kingdom, the three credit reporting agencies, called credit reference agencies, are Experian, Equifax, and Callcredit. Callcredit works closely with TransUnion. These agencies are bound by the Data Protection Act. They must provide accurate, reliable, and updated information on individuals. Their activities are under the Consumer Credit Act of 1974 by UK law. In the United States, the Fair Credit Reporting Act (FCRA) is a federal law that regulates who has access to your credit report information. It also regulates how your credit report information can be used. Beginning in 1970, the law has been significantly amended at least twice.

Do you have Credit Card Debt? Call 877-753-5127

3. Correcting Errors

Each credit-reporting agency must abide by the laws that govern them. If there is an error on your credit report score or in the entirely of your annual credit report, by law you have the right to report the error and settle the matter. This is why it is important to obtain an annual credit report. Checking and maintaining records at least once per year from this free credit report service will make any out of the ordinary material stand out. You must report any inaccuracies or errors in writing. Send a copy of the erroneous credit report to each credit-reporting agency. Within 30 to 45 days you will receive a response from each credit-reporting agency. You should then obtain another copy of your credit report to make sure that all errors have been corrected.

If you are unhappy with the results of the changes that were made and still believe that errors exist, then you may write a brief statement of up to 100 words to each credit reporting agency. You may also ask that the corrected copy of your free credit report be sent to anyone who inquired of your report within the last six months. The same request may be done for employers who have inquired within the last two years. You may also follow these procedures, if you believe you have been a victim of identity theft. Under the rights stated in the FCRA, you may ask businesses to stop reporting credit report information about you to a credit-reporting agency, if identity theft is in question. Be specific with the information you want them to leave out and make your request in writing. You will also need to have proof of your identity theft report. Certain states will allow you to put a security freeze on your Equifax credit report. Check with Equifax to see if your state participates in this procedure and what information they may require from you in writing. Fees will apply, but it may be worth the peace of mind to keep your identity safe.

Do you have Credit Card Debt? Call 877-753-5127

4. What is Included in a Credit Report

Your credit report is a compilation of your credit history. This includes a variety of information. When you fill out a credit application, your personal information from this form is included on your credit report. This information consists of your name, including previous ones you have used, addresses past and present, current and previous employers, your date of birth, and Social Security number. Along with private information, public records may also be on your credit report. A credit-reporting agency may collect such information as overdue child support payments, bankruptcies, liens, and other courts of law information. Your credit report may contain such details for seven to ten years.

Inquiries also remain on your credit report for up to two years. If you have applied for several credit cards recently and these companies have made inquiries into your credit report, then this could have a negative effect on you. Too many inquires are noticeable, and companies or employers may look into the details as to why they were made and how often. It could show instability if you have applied for several credit cards because others have hit their maximum balances. Lenders, landlords, insurance companies, and service providers in Florida all may make an inquiry into your credit report. Account information such as balances, authorized users, and active or inactive accounts will be available to them. Equifax lists a number of companies and individuals that can view your credit report and your credit report score. They also list information that is allowed and that which is prohibited to show up on your credit report.

Do you have Credit Card Debt? Call 877-753-5127

5. Featured Local Company

The Buying Group

941-330-8050
1828 Boyce Street
Sarasota, FL
http://www.thebuyinggroup.com

Read more about Credit Report

Regional Articles
- Credit Report Alachua FL
- Credit Report Altamonte Springs FL
- Credit Report Apopka FL
- Credit Report Arcadia FL
- Credit Report Atlantic Beach FL
- Credit Report Auburndale FL
- Credit Report Avon Park FL
- Credit Report Bartow FL
- Credit Report Belle Glade FL
- Credit Report Belleview FL
- Credit Report Beverly Hills FL
- Credit Report Boca Raton FL
- Credit Report Bonifay FL
- Credit Report Bonita Springs FL
- Credit Report Boynton Beach FL
- Credit Report Bradenton FL
- Credit Report Brandon FL
- Credit Report Brooksville FL
- Credit Report Bushnell FL
- Credit Report Callahan FL
- Credit Report Cantonment FL
- Credit Report Cape Coral FL
- Credit Report Casselberry FL
- Credit Report Chipley FL
- Credit Report Clearwater FL
- Credit Report Clermont FL
- Credit Report Clewiston FL
- Credit Report Cocoa Beach FL
- Credit Report Cocoa FL
- Credit Report Crawfordville FL
- Credit Report Crestview FL
- Credit Report Crystal River FL
- Credit Report Dade City FL
- Credit Report Dania FL
- Credit Report Davenport FL
- Credit Report Daytona Beach FL
- Credit Report Debary FL
- Credit Report Deerfield Beach FL
- Credit Report Defuniak Springs FL
- Credit Report Deland FL
- Credit Report Delray Beach FL
- Credit Report Deltona FL
- Credit Report Destin FL
- Credit Report Dover FL
- Credit Report Dunedin FL
- Credit Report Dunnellon FL
- Credit Report Edgewater FL
- Credit Report Englewood FL
- Credit Report Eustis FL
- Credit Report Fernandina Beach FL
- Credit Report Fort Lauderdale FL
- Credit Report Fort Myers Beach FL
- Credit Report Fort Myers FL
- Credit Report Fort Pierce FL
- Credit Report Fort Walton Beach FL
- Credit Report Frostproof FL
- Credit Report Gainesville FL
- Credit Report Green Cove Springs FL
- Credit Report Gulf Breeze FL
- Credit Report Haines City FL
- Credit Report Hallandale FL
- Credit Report Havana FL
- Credit Report Hawthorne FL
- Credit Report Hernando FL
- Credit Report Hialeah FL
- Credit Report Hobe Sound FL
- Credit Report Holiday FL
- Credit Report Hollywood FL
- Credit Report Homestead FL
- Credit Report Homosassa FL
- Credit Report Hudson FL
- Credit Report Immokalee FL
- Credit Report Indialantic FL
- Credit Report Interlachen FL
- Credit Report Inverness FL
- Credit Report Jacksonville Beach FL
- Credit Report Jacksonville FL
- Credit Report Jensen Beach FL
- Credit Report Jupiter FL
- Credit Report Key Biscayne FL
- Credit Report Key Largo FL
- Credit Report Key West FL
- Credit Report Keystone Heights FL
- Credit Report Kissimmee FL
- Credit Report Labelle FL
- Credit Report Lady Lake FL
- Credit Report Lake City FL
- Credit Report Lake Mary FL
- Credit Report Lake Placid FL
- Credit Report Lake Wales FL
- Credit Report Lake Worth FL
- Credit Report Lakeland FL
- Credit Report Land O Lakes FL
- Credit Report Largo FL
- Credit Report Leesburg FL
- Credit Report Lehigh Acres FL
- Credit Report Live Oak FL
- Credit Report Longwood FL
- Credit Report Loxahatchee FL
- Credit Report Lutz FL
- Credit Report Lynn Haven FL
- Credit Report Macclenny FL
- Credit Report Madison FL
- Credit Report Maitland FL
- Credit Report Marathon FL
- Credit Report Marco Island FL
- Credit Report Marianna FL
- Credit Report Mary Esther FL
- Credit Report Melbourne Beach FL
- Credit Report Melbourne FL
- Credit Report Merritt Island FL
- Credit Report Miami Beach FL
- Credit Report Miami FL
- Credit Report Miami Lakes FL
- Credit Report Middleburg FL
- Credit Report Milton FL
- Credit Report Monticello FL
- Credit Report Mount Dora FL
- Credit Report Mulberry FL
- Credit Report Naples FL
- Credit Report Navarre FL
- Credit Report New Port Richey FL
- Credit Report New Smyrna Beach FL
- Credit Report Niceville FL
- Credit Report Nokomis FL
- Credit Report North Fort Myers FL
- Credit Report North Miami Beach FL
- Credit Report North Palm Beach FL
- Credit Report North Port FL
- Credit Report Ocala FL
- Credit Report Ocoee FL
- Credit Report Odessa FL
- Credit Report Okeechobee FL
- Credit Report Oldsmar FL
- Credit Report Opa Locka FL
- Credit Report Orange City FL
- Credit Report Orange Park FL
- Credit Report Orlando FL
- Credit Report Ormond Beach FL
- Credit Report Oviedo FL
- Credit Report Palatka FL
- Credit Report Palm Bay FL
- Credit Report Palm Beach FL
- Credit Report Palm Beach Gardens FL
- Credit Report Palm City FL
- Credit Report Palm Coast FL
- Credit Report Palm Harbor FL
- Credit Report Palmetto FL
- Credit Report Panama City Beach FL
- Credit Report Panama City FL
- Credit Report Pensacola FL
- Credit Report Perry FL
- Credit Report Pinellas Park FL
- Credit Report Plant City FL
- Credit Report Polk City FL
- Credit Report Pompano Beach FL
- Credit Report Ponte Vedra Beach FL
- Credit Report Port Charlotte FL
- Credit Report Port Orange FL
- Credit Report Port Richey FL
- Credit Report Port Saint Lucie FL
- Credit Report Punta Gorda FL
- Credit Report Quincy FL
- Credit Report Riverview FL
- Credit Report Rockledge FL
- Credit Report Ruskin FL
- Credit Report Safety Harbor FL
- Credit Report Saint Augustine FL
- Credit Report Saint Cloud FL
- Credit Report Saint Petersburg FL
- Credit Report Sanford FL
- Credit Report Sarasota FL
- Credit Report Satellite Beach FL
- Credit Report Sebastian FL
- Credit Report Sebring FL
- Credit Report Seffner FL
- Credit Report Seminole FL
- Credit Report Shalimar FL
- Credit Report Spring Hill FL
- Credit Report Starke FL
- Credit Report Stuart FL
- Credit Report Summerfield FL
- Credit Report Sun City Center FL
- Credit Report Tallahassee FL
- Credit Report Tampa FL
- Credit Report Tarpon Springs FL
- Credit Report Tavares FL
- Credit Report Titusville FL
- Credit Report Valrico FL
- Credit Report Venice FL
- Credit Report Vero Beach FL
- Credit Report Wauchula FL
- Credit Report Wesley Chapel FL
- Credit Report West Palm Beach FL
- Credit Report Wildwood FL
- Credit Report Williston FL
- Credit Report Winter Garden FL
- Credit Report Winter Haven FL
- Credit Report Winter Park FL
- Credit Report Winter Springs FL
- Credit Report Yulee FL
- Credit Report Zephyrhills FL
Related Local Events
Webinar
Dates: 9/2/2008 - 9/2/2008
Location: Online
Pembroke Pines FL
View Details
Franchise and Business Opportunities Show
Dates: 9/6/2008 - 9/7/2008
Location: Florida State Fairgrounds
Tampa FL
View Details
Membership Breakfast
Dates: 9/9/2008 - 9/9/2008
Location: TBA
Pembroke Pines FL
View Details
Annual Business Excellence Luncheon & Awards Luncheon
Dates: 9/16/2008 - 9/16/2008
Location: Thrasher Horne Conference Center
Orange Park FL
View Details
Global Academy of Business & Economic Research
Dates: 9/17/2008 - 9/19/2008
Location: Hilton Resort, Disney World
Orlando FL
View Details
Rate Article
     
Articles Insider
Rss   Delicious   Digg   Add To My Yahoo   Add To My Google   Bookmark   Search Plugin
Topics:
Advertising Educational Content Home Appliances Real Estate Resources
Business Services Entertainment Home Electronics Software
Career Family Home Services Technology
Cars Fashion Internet Telecommunications
Chamber of Commerce Financial Services Legal Trade Shows
Computer Hardware Franchise Miscellaneous Travel
Construction Health Nightlife Weddings
Education Holidays Online Database World History
Articles.DirectoryM.com | Search | About Us | Contact Us | Mobile | Blog | En Español
Copyright © Interaction Media Group. All rights reserved.