The law says that you are entitled to a free copy of your report once every 12 months from each of the three credit reporting agencies. You can order your free report online at http://www.annualcreditreport.com. Make sure you don’t confuse it with similarly named websites that may try to trick you into signing up for a paid membership program.
Yep......I found out, the hard way, if you go to Free Credit Report. (com), you will end up paying for your CR. Even if you go to Annual Credit Report. (com), I don't know if you actually have to pay to get your Credit Score, or not.
Around here we may consider it this old news but other places people really do not know this information. I have talked to different people in the line at the grocery store or Wal mart who were facing tough times and I always suggest they go look at their credit reports to see what all is listed. Most of them do not know something like this even exists.
Your personal details (name, email address and phone number) will be delivered to the company advertised on the Creditmagic after ve agreed to go for the counseling session by filling out the no-obligation form. However, it is your discretion to accept or reject their services.
Not all the creditors/debt collectors agree to trim down the outstanding balances, interests, and fees payable by the consumer.
Consumers working with the debt relief companies can still be sued by the creditors/collection agencies.
Debt relief services may have a diminishing effect on the creditworthiness of the consumer. The total outstanding balance may increase as the additional fees get accrued.
The overall amount saved by the consumer through the debt relief services is considered as taxable income by the IRS.