How to get a credit report Atlanta

But FreeCreditReport.com wasnt about the let the feds and bad press poop the party. Come out with a band to sing obnoxiously cute and catchy tunes to how to get a credit report Atlanta hawk the website. So in October 2007 they began their Free Credit Report band commercials, lead by a French-Canadian actor named Eric Violette  (who, by the way, has a very strong accent, which is why his singing was how to get a credit report Atlanta dubbed by a voice-over). And so it started Thanks to the successful Free Credit Report band commercials, the alleged scam became so how to get a credit report Atlanta widespread, that when the Credit Card Reform act of 2009 was passed, lawmakers put in specific language to address the problem.

So consumers dont confuse FreeCreditReport.com with AnnualCreditReport.com (the truly free once-a-year report), now this how to get a credit report Atlanta specific language had to be added to their how to get a credit report Atlanta commercials: This is not the free credit report provided for by Federal law. To make it even more clear, the Credit Card Reform Act called for the FTC to create new rules which force advertisers to say that AnnualCreditReport.com is the only place for a free credit report.

Voilette would have how to get a credit report Atlanta to sing something like: Go to FreeCreditReport.coooom But its not the free credit report provided by federal law For that go to AnnualCreditReport.com The only place for you to get a free credit report! free credit report band contest So it was time for Experian to find a new angle FreeCreditScore.com history repeats itself? So earlier this year, FreeCreditScore.com ran commercials searching for a band and in early August that the winner was announced The Victorious Secrets (which allegedly is an actual real band from Detroit). What theyre hawking for FreeCreditScore.com is basically the same bait n switch snake oil FreeCreditReport.com was how to get a credit report Atlanta peddling.

The difference is that now your free credit score is included. Now something I havent heard the media bring up yet how to get a credit report Atlanta is whether FreeCreditScore.com will face the same demise as their predecessor in the future. As part of the Wall Street Reform and Consumer Protection Act passed in July free credit scores will need to be provided to consumers in certain situations. In a nutshell, anytime you are denied credit or hit with unfavorable lending terms, you will soon receive a free copy of your credit score how to get a credit report Atlanta that was used in making that decision. free id theft protection Also there is no annual cap meaning if you face adverse actions several times in a how to get a credit report Atlanta given year, each time your credit score must be provided. This law will be applicable to all credit reporting agencies. Does this mean that down the road, the fed will pass a similar law for sites like FreeCreditScore.com, forcing them to say a disclosure so consumers arent confused? And although not everyone faces adverse credit decisions, what happens how to get a credit report Atlanta if later on we are given free access to our credit score one per year (like AnnualCreditReport.com giving us access once per year for credit reports). For years there have been lawmakers trying to give us just that (i.e. If we are ever truly given free annual access to scores, I how to get a credit report Atlanta could definitely see the government cracking down how to get a credit report Atlanta on FreeCreditScore.com in the exact same way as its predecessor. How do we, as members of the general public, advocate for passage of an Act which will give consumers free access to the credit reports and how to get a credit report Atlanta credit scores which are being compiled by the three major credit repositories: Experian, Equifax, and TransUnion?

Do you recommend contacting our Congressional representatives, or is there a specific committee pushing for this reform? And just for the record Eric Violette is fluent in English.

His voice was dubbed over to conceal a decidedly strong French-Canadian accent. credit bureaus Absolutely it would be how to get a credit report Atlanta a great idea for all of us to write to our representatives in the Senate and Congress, asking them to advocate such a bill. To the best of my knowledge, at the moment there is not a how to get a credit report Atlanta specific committee pushing for this, but perhaps if enough constituents voice their opinion that will change. Regarding Eric Violettes English you are absolutely correct. I apologize for any confusion caused by the way I wrote that sentence; how to get a credit report Atlanta I did not mean to infer he didnt speak English. Thank you for bringing that to my attention I revised that sentence. I hate the fact that these people continues to state that you can attain your credit report for free, when in all actuality you have to signe up for a membership.