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Never Seen It or Haven’t Seen Your Credit Report in Years?
If you have never seen a copy of your credit report, you definitely should order a 3-in-1 credit report, which includes your credit report from Experian, Equifax, and TransUnion. Why a 3-in-1 credit report? The three national credit bureaus do not communicate with each other, so you actually have three credit histories. It is up to you to make sure that your credit histories are accurate, so you should get all three of your credit reports.
Mistakes DO Happen
Do you know who has had access to your credit report information? Do you know if the information they saw is accurate? According to a study by U.S. PIRG, 70 percent of the credit reports have errors of some kind and 29 percent contained serious errors like false delinquencies and judgments that don’t belong to the consumer.
You are applying for a credit card
If you are considering applying for a car loan, bank loan, or credit card, you will want to see your credit report and make sure all information is accurate. Since each inquiry can count against your credit rating, make sure that your application isn’t rejected based on mistakes in the credit report.
Co-Signed a Loan
If you have cosigned a loan for a family member or friend, their payment record will also appear on your credit report. Make sure you know how your credit is affected.
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Before you start shopping for a mortgage, take a look at your credit report before the mortgage companies do.
If you are going to be renting an apartment, especially in a competitive market, it is wise to have a recent copy of your credit report with you while apartment hunting. Most apartment owners or managers will want to check your credit report before offering you a lease.
Your credit may be combined with your spouse, and there may be certain transactions that you may not be aware of. If you get a divorce, notify the three major credit-reporting agencies that your status has changed to “single.” Provide them with new addresses for both you and your ex-spouse. Specify that all accounts should henceforth be reported separately. Otherwise, transactions may be reported on the wrong spouse’s account. The records could get tangled and confused, especially if one of you were to remarry. Occasionally, one or both spouses may experience credit problems during the separation period preceding the final divorce, especially if marital assets are frozen during settlement negotiations. You will need a copy of your credit report to review with your attorney so that you can accurately evaluate how your divorce will affect you financially. Jay Glickman, one of the best divorce lawyers in Montgomery County, says that his clients are always surprised to learn how much a divorce can affect them financially.
Someone may be committing fraud by using your identity and applying for credit in your name. Credit reporting companies do not have to inform you of suspect items, so it’s up to you to be vigilant about your credit. You should regularly check your credit report to make sure that all new inquiries and accounts are not fraudulent. Make sure all information is accurate and if you suspect fraud, contact your credit reporting agency and ask that they put a fraud alert on your file.
If you have your own business, it is imperative that you regularly monitor your credit condition. The stronger your credit, the greater your ability to secure the financing you need to properly build and maintain your company.
If you use a financial advisor, it is recommended that you check your credit report at least once a year and review it with him/her so your financial condition can be accurately assessed.
What is in a credit report?
The following types of information are found in your credit report:
- Identifying information: includes your name, nicknames, current and previous addresses, Social Security number, date of birth, and current and previous employers. This information comes from any credit application you have completed, and its accuracy depends on your filling out forms clearly, completely and consistently each time you apply for credit.
- Credit information: includes specific information about each account including the date opened, credit limit or loan amount, balance, monthly payment and payment pattern during the past several years. The report also states whether anyone else besides you (i.e. a spouse or cosigner) is responsible for paying the account. This information comes from companies that do business with you.
- Public record information: includes federal district bankruptcy records; state and county court records, tax liens and monetary judgments; and, in some states, overdue child support payments. This information comes from public records.
- Inquiries: includes the names of those who have obtained a copy of your credit report for any reason. This information comes from the credit reporting agency, and it remains available for as long as two years, as per federal law.
While there are a number of good reasons to order, review and master the details of your credit report, one primary truth cannot be avoided:
Your credit report is your electronic fingerprint.
You can’t escape it. It will always precede you. It represents your reputation in the personal finance community. If it is solid, it can be one of your best assets. If it is damaged, it can be one of your biggest liabilities.
The sad truth is that the majority of Americans have never seen their credit reports, though their credit profile affects practically every aspect of their financial lives. Even more disturbing is that of those who have seen their credit reports, a significant number don’t understand what they are reading.
Credit is not something to be feared, but rather a tool to build financial security. It is simply a different kind of investment portfolio.
As more and more Americans put their funds into the stock and bond markets, it is not uncommon to see people hunched over the morning newspaper, watching one of the financial news networks, surfing the net checking out their portfolios or doing research, or pouring over their monthly investment statements. Unfortunately, few, if any, people realize that were they to dedicate just a fraction of the time they spend reviewing their investments to working on the development of a credit portfolio, they would dramatically enhance their ability to build the type of financial security they are striving for.
Think of your credit report as the equivalent of an investment statement. But just as you can’t know your entire financial picture without reviewing statements from all of your investment accounts, you will not see your entire credit picture unless you read a report from each of three (3) major credit reporting agencies (Experian, Trans Union and Equifax). Because just as Merrill Lynch doesn’t share your account information with Etrade or Schwab, none of the three (3) national reporting agencies share information with each other. Therefore, simply seeing one, or two, credit reports may not give you the entire picture.
There is, however, a way to see your entire credit profile as reported by all three (3) bureaus one (1) report. It is known as a 3-bureau, or triple-merged, credit report. And, since it reports each credit account you have and indicates which credit bureaus report which accounts, you can finally see who knows what about you.
(This article is sponsored and hence promotes a link of commercial interest.)
The Centre on Wednesday directed all Union Ministries and Departments to clear Air India's dues immediately. An office memorandum from the Finance Ministry's Department of Expenditure said: "Recently, the Government of India has decided to disinvest Air India, and the process of disinvestment of Air India and Air India Express is ongoing.""Air India has stopped extending credit facilities on account of purchase of air tickets. Therefore, all Ministries or Departments are directed to clear Air India's dues immediately." "Air tickets from Air India may be purchased in cash till further instructions."
In 2009, the Centre had mandated that Central government officers travel via Air India for all official purposes including availing of LTC. On Monday, conglomerate Tata Group entered into a share purchase agreement with the Central government for buying out the latter's stake in national carrier Air India, Air India Express, and AISATS.
Earlier, a Letter of Intent was issued to the Tata Group. After the SPA, Tata Group would need to fulfill the conditions precedent in the agreement before taking over the airline. The rest of the transaction is expected to be completed by December.
Tata Sons' subsidiary Talace emerged as the highest bidder for the national carrier under the divestment process. Talace had quoted an enterprise value of Rs 18,000 crore for 100 per cent equity shareholding of the Centre in Air India along with that of Air India Express and AISATS. (IANS/ MBI)
Keywords: India, air India, ministers, government, purchase, dues, Tata group, centre
Sports betting has been around for centuries for the audience to not only watch the sport but to get more deeply involved in the match. It is a fun and often profitable activity for the viewer to win some extra fortune or simply get some extra sweat while watching the game. At first glance, sports betting may look like it's pure luck, but when you indulge deeper into the activity you realize it is more of a calculative and research activity than just pure luck. We must note that yes, luck does play a certain role to some extend but a win is not completely dependent on luck, if you're putting your bets on a certain team you have to make sure to do some research about the players on the team, history of wins and losses of the team and compare the probability of winning and then place bets.
Even though sports betting has existed since the ancient era, it was not until recently that it became increasingly popular among the youth. This happened due to the legalization of the activity and the rise of online sports betting. The technological revolution has expanded the sports betting industry, offering the bettors new markets and ways to bet. The only major difference between online bookmarkers and traditional brick-and-mortar venues of sports betting is that now you can place bets online from your mobile devices, laptops, computers etc.
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Online sports betting allows the sports enthusiastic bettors to place their sports bet online from wherever they are on real-life happening sports events. For instance, if there is a match between Chelsea F.C. and Machester United in the English Premier League, you can place wagers on either of the team to win from your comfort space, on your device and if you correctly predict the outcome, you'll win money.
How to Bet on Sports?
Sport betting gives more thrill and involvement in the sport to the bettor.Istockphoto
Now that you understand the basic mechanism of sports betting, how and where should you place your bets? For new bettors, sports betting can be a little intimidating because you're putting real money as stakes and no one wants to lose it. Here are the steps to place your sports bets online:
Choose a betting site: The first step to placing your sports bets is to find a reliable sports betting site. BetRivers sportsbook is one of the most popular sports betting sites in the US which also has a mobile app. It has a solid design with intuitive navigation, user friendly and polished layout.
Sign up: After choosing the website, you must sign up and provide simple details like your name, email address, age etc. to verify your proof of identity and if you're legally allowed to start betting in the state or not.
Deposit money in your online sportsbook: Once you've registered an account, you can immediately deposit some money and place your bets on the sport of your choice. Most online sports betting platforms accept numerous deposit methods. BetRivers accepts various methods like online banking, Paypal, Visa, Mastercard, pay+, etc; and withdrawing money is as simple as depositing the amount.
ALSO READ: The Growth of The Sports Betting Market
Locate the market: Before placing your first bet, pinpoint the sports you want to place bets on, then select specific competitions or leagues that interests you the most. Then you need to find a team you want to bet on. Do some research on the odds and market. Once you've made up your mind you can bet your money on your prediction.
Place your first bet: Once you're certain about your bet, you're required to enter the amount you want to bet. Most sites give you a preview of how much a bettor stands to win in the bet slip. If you're satisfied with the odds, you can happily hit the button to confirm your bet and wait for the results.
Enjoy the game: The bet has been placed, the game has started, now all you need to do is sit back, relax and watch the game and let your bet come in.
Disclaimer: (This article is sponsored and includes some commercial links)
It is indeed good news that the book showcasing the wisdom of India in the eyes of Western intellectuals is getting due recognition and appreciation from other states and abroad. After Karnataka and Punjab, the Government of Assam has recently consented to translate the research-based book by Shillong-based author - Shri Salil Gewali titled "Great Minds on India". The Chief Minister of Assam - Shri Himanta Biswa Sarma was amazed to know that so many top western scientists and philosophers have drawn a considerable amount of inspiration from ancient scriptures of India, particularly in the studies of modern physics, linguistic and astronomy. In the recent meeting with the author, the Chief Minister had highly appreciated Gewali's book and promised to read it thoroughly. Gewali's book was also approved for translation in the year 2020 by the former Chief Minister – Shri Sarbananda Sonowal but due to COVID-19, the translation work was delayed.
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Furthermore, the two scholars from Canada --- Dr Hema Murty -- Air Space Engineer at the University of Toronto, and Dr. Harsh H Thakkar of Sheridan College of Brampton, Ontario have sought permission from Mr. Gewali for the translation of 'Great Minds on India' into the Sanskrit language. After the translation, the Sanskrit edition will be published and circulated and utilized by Samskrita Bharati of Canada, besides its other branches in India, USA and UK. Gewali says that the book that has been praised by countless scholars and publication by the Government of Karnataka and Punjab has so far been translated into thirteen languages, including German.
'Great Minds of India' by Salil Gewali is an impressive compact book discussing the power that Indian ancient wisdomFile
A university scholar from Winchester, United Kingdom - Ms. Janet Murphy remarks:
" 'Great Minds of India' by Salil Gewali is an impressive compact book discussing the power that Indian ancient wisdom, thought and way of life had an impact on western minds, especially those who are of great historical significance, such as Voltaire, Albert Einstein, Ralph Emerson, Julius Robert Oppenheimer, Mark Twain, HG Wells et al. It is hoped all right-thinking scholars will find Gewali's work extremely applaudable."