Vectors and 3D Models
Local Search - Finance
Weather Information
Get the App for Smartphones and Tablets

Go Back

WhmSoft Free Articles Directory
Free Articles for Reprint
Free Articles to Publish
Free Articles for Newsletters
Videos to Watch

Page Generation Date and Time:
12/16/2019 11:01:03

Free the Animation VR / AR
Play to reveal 3D images and 3D models!
Demonstration A-Frame / Multiplayer
Android app on Google Play
vlrPhone / vlrFilter
Project of very low consumption, radiation and bitrate softphones, with the support of the spatial audio, of the frequency shifts and of the ultrasonic communications / Multifunction Audio Filter with Remote Control!

Alexa Data

Go To Articles Directory Home Page

To get the current article, - See Below (at the bottom of the page) -.
For top news titles, see below.
Web sites and videos listed in this page are frequently updated.
If you find that this page is useful (quality of web sites, images and videos, ...), you can add it to your favorites.
Bookmark Page !

Tell a Friend:

With your mobile phone (WAP / I-Mode / iPhone / PDA), for free:
The Top News -
The Daily Files -
All the Directory Files -

Web version of feeds:
Podcast Music -
Daily Files -

You can play the Guitar Drum Revolution game (flash game) by following the link below:
Play Guitar Drum Revolution Game

You can play free online games (flash games) by following the link below:
Free Online Games

Play the samples below:
Old WestSpeed ManiaDesktop InvadersColoriage EnfantGluefo

You can view the people (celebrities) news and the front page news (with videos, images and constant updates) by following the link below:
View Recent News
or by visiting the WhmSoft Service blog:
News Photos Slideshows

Article Keyword Videos to Watch
Click on the image to start the video.

Related Topics
Images - Links - Articles


Related Images

Article Category Videos to Watch
Go to the Videos Pages

How and Why To Work With Credit Bureaus

A credit bureau is an organization that tracks the credit histories and related information of individuals and businesses. The three major nationwide credit bureaus are Experian, Trans Union and Equifax. The job of a national credit bureau is to collect and sell credit information. A credit bureau is a clearinghouse for credit history information. Make no mistake about, they make a tidy sum by collecting and selling this information when a business or individual applies for credit.

When you, as an individual or a business apply for credit of virtually any kind, that information gets sent to at least one or more of the credit bureaus. Even if you are declined, that information becomes part of your credit report. Your accounts are reported to the credit bureaus regularly as far as your outstanding balance, the amount of your monthly payments, and a history of any late payments on each account.

The really scary part of this is the many reports and studies which state that anywhere from 35% to one report that claimed 70% or more of the information maintained by the credit bureaus is INACCURATE to some degree. To a certain degree, some could argue that this could be expected since the credit bureaus are maintaining data on hundreds of millions of individuals and businesses, which amounts to a staggering amount of data to keep track of. Yet the reported inaccuracies are disturbing.

Who is responsible for ensuring that the data maintained by the credit bureaus on you is accurate? You, and only you, and that “quality control” does not happen automatically.

Why should you care? Having inaccurate information in your credit report can affect many aspects of your life. It will have a major impact on your ability to get a mortgage at a decent interest rate, your ability to get a car loan, even your ability to open a new account with a department store or get a Visa or Mastercard. These days, many employers are running credit checks on employee candidates, and part of the hiring decision process hinges in part on the applicant’s credit report.

Another reason to periodically check your credit report is because of the new “high tech crime” of identity theft. Someone can steal your identity easier than you may think, open a ton of credit card accounts in your name, charge them to the hilt, then disappear from the face of the earth. And then YOU are stuck with months and even YEARS of battles to document that this person was not you, while all during the process your credit report is so bad that merchants may not even take CASH from you for a purchase.

You are entitled to a free copy of your credit report from the credit bureaus any time you have been denied credit. You are also entitled to a free copy of your report once a year, which is strongly recommended. Review it in detail, and call the credit bureau if you do not understand it. They are obligated by law to help you understand the information there.

If you find errors or inaccuracies, by all means write a dispute letter. Keep records of all your correspondence with the credit bureaus. They are obligated by law to follow up on disputed information and to correct it if it is wrong. They do this by contacting the merchant or vendor who reported the information, and if that merchant cannot verify the information as being accurate, then it must be removed.

In summary, get a copy of your credit report from all three of the major credit bureaus, and do it today. Chances are better than good that you will find errors on it, and the sooner you get those errors corrected, the better off you will be.

About the Author: Jon is a computer engineer who maintains many websites to pass along his knowledge and findings. You can read more about Credit Bureaus and Your Credit Score, as well as the topic of Identity Theft at his web sites.

Recommended Web Site(s):

Easy Articles Home Page - Articles Directory

Recommended WhmSoft Web Sites, Feeds and WAP Address:

WhmSoft Software Home Page - Software
WhmSoft Services Login Page - Music and Images
WhmSoft Moblog Home Page - Blog - Photo Gallery
WhmSoft Free Online Games Home Page - Flash Games
WhmSoft Services RSS Feed - Daily Music, Image and 3D Flash Animation
Classical Music with Drum RSS Feed - MIDI and MP3 Files
Classical Music with Drum Podcast Feed - MP3 and MP3 Files
WAP / I-Mode / PDAs - Daily Music, Image and Flash Animation

Home Pages:

WhmSoft Free Articles for Reprint Home Page
WhmSoft Services Home Page - Music and Images
Copyright (C) 2006-2019 WhmSoft - All Rights Reserved.