3 Major Credit Bureaus – Which One Should I Contact?

There are 3 major credit bureaus that have information on your regarding your credit history. Anyone that has ever applied for a loan or credit of any kind has a file at one of the 3 major credit bureaus. Since merchants usually report to only one of the 3 major credit bureaus, you may have to request a free report from all three to get an overall look at your credit report.

To request a free credit report from either or all of the three major credit bureaus, all you have to do is to request a free report online. You can also send the request by mail and you have to provide all your personal information. There are sites that will charge you for a credit report from one of the 3 major credit bureaus, but it is necessary for you to know that by law you are entitled to one free credit report a year. You should contact the credit bureau directly to get your free report.

When you do receive your credit report from the 3 major credit bureaus there are certain sections of this report that you need to pay particular attention to. The first section details your name and address. You should check this to make sure that it is correct. If there are any inaccuracies in this section, you need to contact the credit bureau that sent the report with the correct information.

The next section will give details of your current bills. Each of the three major credit bureaus may contain the same information or one of the three may have different information regarding your credit history depending on which merchants report to that credit bureau. You should also note that you might have an excellent credit record with two of the 3 major credit bureaus and a poor rating with the other.

Check the listing of your bills, the amount of the payment and the due date. If you have been late with a payment or missed one altogether, this will show up on the credit report you receive from the 3 major credit bureaus. You also need to check to see who has been inquiring about your credit history to make sure that no unauthorized person or company has been making inquiries without your permission. When you see that everything is as it should be, then you know that your information is safe with the 3 major credit bureaus. If there are any inaccuracies in the debt information, you will need to contact the credit bureau to start taking the necessary steps to have it corrected.

There are 3 credit bureaus and you need to know about them if you are concerned about your credit report.

Creating Sumptuous Spaces – Tips on Interior Design and Decorating

Our homes are our castles, our keep and refuge to which we return after doing battle with corporate dragons, traffic, bureaucratic brain scientists and recalcitrant nursery school tots. And how much more pleasant the experience when the space is to die for. And getting those spaces beautiful is one of life’s great pleasures. There is nothing quite like a spot of interior design and decorating therapy to brighten the dingiest day. Well, most of the time anyway. Sometimes things can really go badly wrong and slips between the drawing board and the paint bucket can cause some spectacularly unexpected and, well, interesting results. Never fear though, there a couple of basic pointers when it comes to decorating that can save the day. Make your own choices. Although glossy house and home magazines can offer up tons of great ideas, your home is your space and anything you apply should center around your needs, taste and the constraints of the space itself.

Progressive Car Insurance Company Review – Progressive Direct Auto Insurance Guide

If you’re in the market for new auto insurance, Progressive car insurance company may be a great option for you. After being in the business of auto insurance for 70 years, Progressive has become the nation’s third largest provider to millions of customers. With six major countrywide locations in Austin, Cleveland, Colorado Springs, Phoenix, Sacramento, and Tampa, Progressive is fully staffed with representatives ready to help you find the best coverage possible. So what exactly can Progressive do for you? Progressive auto insurance company gives you options. Not only do they quote you their rate, but they also give you quotes on up to three other provider’s rates. Being able to get information such as this right of the bat makes Progressive quite attractive. If you’re the type of customer who thrives on options, then Progressive may be a viable place for you to begin your auto insurance search. But, that’s not all they offer. Let’s take a look at what else you get when purchasing car insurance from Progressive: Total Loss Concierge Just found out your car was totaled? Don’t have the time to shop for a new vehicle? No worries. Progressive car insurance company will do it for you. All you need to do is tell them what you’re looking for and what you can afford. Progressive will do the legwork for you by calling dealers and lenders, getting results fast. Really, it’s as simple as that. Accident Forgiveness When you have car insurance from Progressive for four years and remain accident-free for three consecutive years, your rates won’t go up after an accident. The nice thing about this is that accident forgiveness is built right into your policy as a reward for being a safe driver. No extra charge and no hidden fees. It’s just their way of saying thank you for being a valued customer. Immediate Response Vehicles More commonly known as IRVs, these vehicles will travel to wherever your car is to assess the damage. The minute you call in to report your claim, an IRV will be on its way to take pictures, talk to witness and make an on-site estimate so you don’t have to wait. It’s efficient, it’s friendly and it’s only from Progressive. Auto Insurance Discounts There aren’t many consumers that dislike receiving discounts. In all honesty, who doesn’t love to save some money when they can? With Progressive car insurance company, you can get those sweet little discounts for a number of reasons. Things like E-signing, paying in full, covering multiple cars and owning a home are just some of the ways you can save on your auto insurance instantly. Keep in mind that certain discounts vary depending on where you live. In other words, not every state offers the same types of discounts. Therefore, talking with a representative will help you learn what you qualify for. So, you get discounts on your auto insurance. Now what? Well, it doesn’t stop there. Progressive offers more than just discounts off your car insurance. The type of vehicle you have covered (i.e. motorcycle, boat, etc), will determine what discounts you are eligible for. For you motorcycle drivers out there, Progressive offers discounts for Honda Rider’s Club of America (HRCA) members, homeowners and customers covering multiple bikes. Want to float your boat without spending too much? Having a boat less than ten years old, less than 27 feet and less than 250 horsepower will allow you to save. If you have a mini-motor or pop-up RV you can catch a break too. What about owners of large RVs? Well, if you’re married, that’s enough to get a discount as well. The list goes on…