Have you done your credit report homework lately?
Question:
1. AS ALL OF US KNOW WHEN YOU GET A LOAN YOU ARE USUALLY SUBJECT TO A CREDIT CHECK.
2. IS YOUR AUTO INSURANCE PREMIUMS EXTREMELY HIGH BUT YOU HAVE A GOOD DRIVING RECORD?
DID YOU KNOW WHEN YOU APPLY FOR INSURANCE (esp. HOME AND AUTO) A CREDIT CHECK IS DONE PLUS INSURANCE COMPANIES USE OTHER WAYS OF CHECKING YOU OUT. HAS YOUR INSURANCE COMPANY EVER MENTIONED CHOICEPOINT, INC? MORE THEN LIKELY NOT!!
I AM GIVING YOU THIS INFORMATION SO YOU CAN CONTACT THESE COMPANIES AND REQUEST YOUR OWN PERSONAL REPORTS TO CHECK FOR ANY INACCURACIES. IF YOU FIND ANY MISTAKES FOLLOW THE DISPUTE GUIDELINES AND IF NOT CORRECTED IN A SUFFICIENT AMOUNT OF TIME YOU LEGALLY HAVE THE RIGHT TO CONTACT AN ATTORNEY AND FILE SUIT!
I HAVE BEEN DISPUTING A CLAIM MYSELF FOR QUITE SOMETIME AND MARCH 2007, I MET WITH MY ATTORNEY AND FILED SUIT FOR INACCURATE INFO ON ME!
THERE ARE SEVERAL REPORTS YOU NEED TO REQUEST:
1. GO TO WWW.annualcreditreport.com (make sure you have spelled this correctly because it is free on this site lots of other sites make you pay) you can request 1 credit report a year for free from EQUIFAX, EXPERIAN, AND TRANSUNION BY USING THE ABOVE INTERNET SITE.
2. NEXT YOU NEED TO REQUEST A C.L.U.E. REPORT FROM http://www.choicepoint.com/ click on consumer solutions, insurance reports then request both Auto & Personal property claims history. You can also contact Choicepoint and request your reports @ 1-866-312-8076. I AM NOT FOR SURE IF THERES A CHARGE FOR CHOICEPOINT REPORTS. (MINE WERE FREE)
Insurance companies use this centralized database with tens of millions of records on U.S. motorists called Comprehensive Loss Underwriting Exchange or C.L.U.E. The data are maintained by Atlanta-area-based ChoicePoint, one of the country's biggest compilers of consumer data.
DID YOU KNOW ChoicePoint Inc., is the company that disclosed earlier that thieves had accessed its massive database of consumer information, said in a regulatory filing it has sent out another 17,000 notices to people telling them they may be victims of fraud. {year 2005}
If you find any errors dispute them immediately in writing always keep copies and write down all names,dates and times of contact! Always request NAMES and if they don't give it to you ask for someone above them.
ALL OF THIS IS IMPORTANT BECAUSE YOU COULD BE PAYING FOR SOMEONE ELSES MISTAKE!!!
IF YOU HAVE UNRESOLVED DISPUTES AND YOU FOLLOWED THE GUIDELINES FOR CORRECTION YOU NEED TO CONSULT WITH A CONSUMER LITIGATION ATTORNEY TO LOOK INTO YOUR CASE AND SEE IF YOU CAN FILE SUIT. YOU CAN GO TO www.myfaircredit.com and possibly find someone who will represent you in your State.
My purpose in this educational material is due to inaccurate information placed on me causing my auto insurance premiums to skyrocket. I followed all the dispute policies that choicepoint directed me to do and received no results! my 1st dispute actually went missing, the 2nd nothing was actually done they said they were accurate and my comment I guess I was asleep when whatever I done happened. So after numerous calls disputing, disputing, disputing several anxiety attacks that sent me to the ER thinking I was having a heartattack, I had to sell my vehicle due to the fact I couldn't afford the insurance because of this choicepoint crap.
I decided enough was enough and FILED SUIT!! Which is being processed as I type.
RESOURCES TO READ: http://www.baselinemag.com/article2/0,15... THIS SITE HAS LOTS OF USEFUL ARTICLES
“ChoicePoint files found riddled with errors”, Bob Sullivan, MSNBC, March 8, 2005; available at http://www.msnbc.msn.com/id/7118767/...
Choicepoint has ruined many peoples lives due to their inaccuracy!
PLEASE TAKE A FEW MINUTES AND REQUEST YOUR REPORTS. MAKE SURE EVERYTHING IS CORRECT AND YOUR NOT STUCK WITH SOMEONE ELSES BAD DEBTS, AUTO ACCIDENTS,ETC... YOU REALLY DO HAVE PROTECTION UNDER THE "FCRA" LAWS.
FCRA IS FAIR CREDIT REPORTING ACT
Answer:
your right, thanks for posting it. most people dont know how inaccurate these reports are, let alone the huge impact it has on peoples lives (for lots of things depend upon them).
CREDIT REPORT INFO / REPAIRS
https://www.annualcreditreport.com/cra/h...
http://www.bankrate.com/brm/news/forms/c...
http://www.bankrate.com/brm/news/bankrup...
http://www.bankrate.com/brm/news/forms/c...
More Questions & Answers...