The tough job market continues to plague hard working folks who are trying to re-enter the workforce, or are accepting jobs below their skill level just to get some money and benefits. Check in to all of this weeks articles below which cover some of the latest trends in credit scores. In addition we provide important information to help you protect yourself from identity theft which remains the top crime in the United States. Get Your DailyDollar Articles and HeadlinesLike Us On FacebookFollow On TwitterListen To DailyDollar iTunes PodcastWatch DailyDollar On YouTube Summary of This Weeks Money Saving Tips About Credit Scores Click To Continue Filed Under: Credit Cards, Credit Score, Debt Consolidation, Money Saving Tips, Tips Credit scores of American consumers continue to decline on average, but the highest credit scores belong to which state?
The answer is California where the average credit score is credit free report Phoenix 684, according to a survey, conducted by CreditKarma.com, of over 180,000 consumers. This highest credit score of 684 is good, not great and if that is credit free report Phoenix the best our fifty states have to offer, then the rest of America must be in rough shape. Massachusetts deserves an honorable mention as their residents have among the highest credit scores, similar to California. National Average Credit Score The average credit score of all Americans has declined to 665 which is borderline good credit. i need a free credit report
What is ironic is that Americans have been diligently lowering their credit card balances which credit free report Phoenix boosts credit scores. In fact, DailyDollar offered credit free report Phoenix congratulations to U.S. credit card customers in March when statistics were Click To Continue Filed Under: 684, Credit Scores, Highest Credit Scores, State Government credit reports There are many countries like United States where different types of loan programs are provided credit free report Phoenix only after getting the credit report of credit free report Phoenix a person. The credit report provides all the details of previous credit facilities enjoyed by a person and timely or late or non-repayments of such facilities. These credit reports provided by various agencies regulated by credit free report Phoenix the federal government and work like a credit free report Phoenix torch-man to such agencies in guiding the credit free report Phoenix efforts for providing credit to such persons. 3 credit If a person has not repaid the earlier loan taken in time, his credit report would definitely incorporate such factor and as such, the credit report would be imperfect one.
In such cases, the lender credit free report Phoenix would not like to treat the customer as standard one in most of cases and the person would have to suffer by way of facing problems in getting the credit facilities and getting it at credit free report Phoenix higher interest rates.
So, it can be said that the credit report provided by various government agencies affect the credit taking capabilities of a person to a great extent . GOVERNMENT CREDIT REPORTS IN UNITED STATES credit free report Phoenix In United States, there are three agencies that have been authorized by the federal government to issue credit reports. Whether credit free report Phoenix a person desires or not, the three credit reporting agencies viz. Trans Union, Equifax and Experian, have to submit the credit report of a person at least once credit free report Phoenix in a year as per the Fair credit free report Phoenix Credit Reporting Act . This report is issued to all the lenders that make request for the same . If a person wishes, credit free report Phoenix he can also get his government credit report free of cost by requesting the government agency based in Atlanta in the state of Georgia. This credit report is credit free report Phoenix provided to a person free of cost and can be had by way of mail or phone . credit report check free Generally a person is able to get the free government credit report within 15 days of making the request . There are some prerequisites for getting the free government credit report . A person is required to give his name, address, social security number or the identification number and date of birth .
It is very credit free report Phoenix important to note here that as per the federal law in the United States, credit free report Phoenix a person can obtain his free credit report from the government if he has credit free report Phoenix been denied credit by any financial institution or by other such lender, if any company has taken any type of unfavorable action against him ; when his application for the insurance or employment have been rejected etc .
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