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Tip of the Day Invest for the Long-Term

Invest for the Long-Term - Investing is a high-risk proposition unless it is to be done over a long-term. Due to the nature of the industry, there is no...

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3 1 Credit Reports

Many people are worried about their credit score and get a 3 1 credit reports to check it. While credit agencies used to keep such information next to impossible to obtain, there are now a number of ways to get a 3 1 credit reports.

Thanks to federal legislation, consumers can now get a 3 1 credit reports by visiting a single Web site. All three major credit reporting agencies, Equifax, TransUnion and Experian, are now required by law to give consumers access to their credit reports for free once a year. By going to annualcreditreport.com, consumers can see what their credit report holds. All three credit bureau reports can be different, so getting the 3 1 credit reports is a way to make sure your credit has not been adversely affected in a way that was picked up by one credit agency and missed by others.

For those who do not like using the Internet for such transactions, there are other ways to see all three credit scores. It can also be obtained by telephone by dialing a toll-free number. If the consumer calls 1-877-322-8228, they can receive the same credit reports they would receive online. Another method is to obtain it by mail. If the consumer contacts the Federal Trade Commission, they can obtain an Annual Credit Report Request brochure, which they can fill out and mail to Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA. 30348-5281. The process will end in receipt of the same three bureau credit reports, but will take several weeks to receive.

There are a number of other sites or companies that offer other products they say are as good as getting the 3 1 credit reports, but many are not telling the complete story. Many companies that offer their service as a way how to get free credit report neglect to mention that they will only allow the consumer to receive one of the three credit reports for free, and access to the others will cost them a fee. Others allow access to all three credit bureau reports only after the consumer signs up for a “credit monitoring” service, which can cost $80 or more a year.

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Many consumers want to get the credit 3 1 score, but it is not so much easy to get such information on a report. The federal legislation gave this opportunity to get all the information from a single website. They gave the people who do not feel interest to visit their website.

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Definition of the Day Municipal Investment Trust

Municipal Investment Trust - Municipal Investment Trust is the entities that hold a stake in the numerous municipal bonds and then sell share to the public that represent an interest in those bonds. When the municipal bonds then pay off compensation or mature, the trust passes the income on to...

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