Credit Reporting Agencies

<body topmargin=0 leftmargin=0 marginheight=0 marginwidth=0> <table cellpadding=0 cellspacing=0 border=0><tr> <td valign="top" colspan=2 height=80 BGCOLOR="#000000" TEXT="#F7F7FF" bgproperties="fixed" background="04000500dvldtc.png"> <div> <FONT SIZE="5" COLOR="#FFCC66" FACE="Arial" ><B>Great Web Sites</B></FONT><B>     |     </B><A HREF="index.htm" TARGET="_top" TITLE="Great Web Sites"><U><B>home</B></U></A></div> <div> <A HREF="id464.htm" TARGET="_top" TITLE="Bill Payment Services On Line"><U>Bill Payment Services On Line</U></A>   |   <A HREF="id560.htm" TARGET="_top" TITLE="Credit Cards"><U>Credit Cards</U></A>   |   <B>Credit Reporting Agencies</B>   |   <A HREF="id514.htm" TARGET="_top" TITLE="Investing"><U>Investing</U></A>   |   <A HREF="id512.htm" TARGET="_top" TITLE="Insurance"><U>Insurance</U></A>   |   <A HREF="id517.htm" TARGET="_top" TITLE="Financial Magazines Newspapers"><U>Financial Magazines & Newspapers</U></A>   |   <A HREF="id481.htm" TARGET="_top" TITLE="Financial Advice"><U>Financial Advice</U></A>   |   <A HREF="id386.htm" TARGET="_top" TITLE="Mortgages"><U>Mortgages</U></A>   |   <A HREF="id390.htm" TARGET="_top" TITLE="Personal Loans"><U>Personal Loans</U></A>   |   <A HREF="id577.htm" TARGET="_top" TITLE="KidFriendly Funds"><U>Kid-Friendly Funds</U></A>   |   <A HREF="id583.htm" TARGET="_top" TITLE="Credit Counseling"><U>Credit Counseling</U></A></div> <div> </div> </td> </tr><tr> <td valign="top" width=210 BGCOLOR="#000000" TEXT="#F7F7FF" background="041d2c00dvldtc.png"> <div> <A HREF="id361.htm" TARGET="_top" TITLE="Great Web Sites "><U><B>Great Web Sites</B></U></A></div> <div> <A HREF="id280.htm" TARGET="_top" TITLE="Book Reviews"><U><B>Book Reviews</B></U></A></div> <div> <A HREF="id744.htm" TARGET="_top" TITLE="Whats New?"><U><B>What's New?</B></U></A></div> <div> Current Movie Reviews</div> <div> Future Films</div> <div> Top 10 Box Office</div> <div> New Video Releases</div> <div> <B>Movie Web Sites</B></div> <bR> <div> <A HREF="id363.htm" TARGET="_top" TITLE="Personal Finance"><U>Personal Finance</U></A></div> </td> <td valign="top" height=400 BGCOLOR="#000000" TEXT="#F7F7FF"> <div> Credit Reporting Agencies</div> <div> <TABLE BORDER="0" CELLPADDING="2" CELLSPACING="1" WIDTH="503" BORDERCOLORLIGHT="#C0C0C0" BORDERCOLORDARK="#808080" FRAME="BOX" RULES="ALL" HSPACE="0" VSPACE="0" > <tR> <tD VALIGN=TOP HEIGHT= 66 WIDTH="497"><div>  <a href="http://ad.doubleclick.net/jump/N483.affiliateprogram/B15748.7;sz=468x60;;cell=9jVMwncE8Ds;offid=18087.10000001;subid=;type=4;?"><IMG border=0 alt="Ecard - Private Offers Group " src="http://ad.doubleclick.net/ad/N483.affiliateprogram/B15748.7;sz=468x60;;cell=9jVMwncE8Ds;offid=18087.10000001;subid=;type=4;?"></a>  </div> </tD> </tR> </TABLE></div> <div> If you want to be sure you KNOW what information creditors will look at before applying for a loan, you must check all three credit reporting agencies. All creditors use one of these agencies and there is no way for you to know unless you the information provided to the prospective lender was used to deny you credit. You can get a report free if credit is denied. If it's something important like a mortgage or auto loan that you really need to have, it's worth the approximately $8.50 to request a report before you apply for the loan. It can take 4-8 weeks to get the reports and have enough time to complete the forms and documentation necessary to make corrections, so advance planning is required. </div> <bR> <div> Phone orders tend to generate the faster results followed by a written request. Currently, on line request work but reports are that service is inconsistent. Service ranges from 5 minutes with Equifax to 12 days from Experian.</div> <bR> <bR> <div> <TABLE BORDER="0" CELLPADDING="2" CELLSPACING="1" WIDTH="501" BORDERCOLORLIGHT="#C0C0C0" BORDERCOLORDARK="#808080" FRAME="BOX" RULES="ALL" HSPACE="0" VSPACE="0" > <tR> <tD VALIGN=TOP HEIGHT= 19 ><NOBR><div> <A HREF="id544.htm" TARGET="_top" TITLE="Applying For A Loan?"><U>Applying For A Loan?</U></A></div> </NOBR></tD> <tD VALIGN=TOP WIDTH="302"><IMG BORDER="0" SRC="1x1.gif" HEIGHT="19" ALIGN="bottom" WIDTH="302" HSPACE="0" VSPACE="0"></tD> </tR> <tR> <tD VALIGN=TOP HEIGHT= 19 WIDTH="188"><div> <A HREF="http://www.equifax.com" TARGET="_top" TITLE="http://www.equifax.com"><U>Equifax</U></A></div> </tD> <tD VALIGN=TOP><NOBR><div> Can send via email in less than 15 minutes</div> </NOBR></tD> </tR> <tR> <tD VALIGN=TOP HEIGHT= 19 WIDTH="188"><div> <A HREF="http://www.experian.com" TARGET="_top" TITLE="http://www.experian.com"><U>Experian</U></A></div> </tD> <tD VALIGN=TOP WIDTH="302"><div> Easy to read report</div> </tD> </tR> <tR> <tD VALIGN=TOP HEIGHT= 38 WIDTH="188"><div> <A HREF="id543.htm" TARGET="_top" TITLE="5 Reasons To Check Your Credit Report Re"><U>5 Reasons To Check Your </U></A>Credit Report </div> </tD> <tD VALIGN=TOP WIDTH="302"><IMG BORDER="0" SRC="1x1.gif" HEIGHT="38" ALIGN="bottom" WIDTH="302" HSPACE="0" VSPACE="0"></tD> </tR> <tR> <tD VALIGN=TOP HEIGHT= 65 WIDTH="188"><div> <B>Free credit report: does not poll your credit or impact your credit rating</B></div> </tD> <tD VALIGN=TOP WIDTH="302"><div>  <IMG SRC="http://service.bfast.com/bfast/serve?bfmid=28899047&siteid=32588880&bfpage=banner3" BORDER="0" WIDTH="1" HEIGHT="1" NOSAVE > <A HREF="http://service.bfast.com/bfast/click?bfmid=28899047&siteid=32588880&bfpage=banner3" TARGET="_top">Free Debt Health Check</A>  </div> </tD> </tR> <tR> <tD VALIGN=TOP HEIGHT= 19 WIDTH="188"><div> <A HREF="http://www.transunion.com" TARGET="_top" TITLE="http://www.transunion.com"><U>Trans Union</U></A></div> </tD> <tD VALIGN=TOP><NOBR><div> Lists negative information first</div> </NOBR></tD> </tR> </TABLE></div> <bR> <div> <TABLE BORDER="0" CELLPADDING="2" CELLSPACING="1" WIDTH="504" BORDERCOLORLIGHT="#C0C0C0" BORDERCOLORDARK="#808080" FRAME="BOX" RULES="ALL" HSPACE="0" VSPACE="0" > <tR> <tD VALIGN=TOP HEIGHT= 65 WIDTH="498"><div>  <IMG SRC="http://service.bfast.com/bfast/serve?bfmid=13376670&siteid=32588859&bfpage=homepage" BORDER="0" WIDTH="1" HEIGHT="1" NOSAVE > <A HREF="http://service.bfast.com/bfast/click?bfmid=13376670&siteid=32588859&bfpage=homepage" TARGET="_top"><IMG SRC="http://ads.bfast.com/clients/consumerinfo/boxedin-468x60-ani.gif" BORDER="0" WIDTH="468" HEIGHT="60" ALT=""></A>  </div> </tD> </tR> </TABLE></div> <bR> </td> </tr></table></body>