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Because they want to reverse a new law that is helping consumers fight Identity Theft as they will loose money out of it. It gives consumers the right to protect themselves from identity theft. It does this by "freezing" access to your credit reports (upon your wish) to keeping the thieves out. The Credit Bureau industry lobbyists are swarming around the U.S. Capitol seeking to pass a weaker law that would overturn these tough state laws .

• Open mortgage balances
• We know that Credit bureaus are still enormous corporations with enormous power
• Personal credit information besides just marketing application information
• Investigating credit disputes is something they are only forced to do by the law

Normally, a lender will obtain all three reports and use the middle number. The highest score number a person can get is 900 and the lowest is 300. In all the years I've been involved in finance, I've only seen a handful of 830's and I've never seen a 300 score. Here is the general breakdown and the normal considerations of each score range.

You may even find that your way was even more effective.

When trying to repair my credit I was told that it was impossible to do this alone. That was a total Lie. Many turn to credit consultant agencies for help, but why turn to them when you can do the same and with just as much accuracy. You may even find that your way was even more effective. Did you know that the Fair Credit Reporting Act Clearly states that if information that is contained in your credit file can't be verified then it must be deleted after a investigation and 30 days has past.

The Big Three also compile public record information.

One such medical specialty agency is the Medical Information Bureau (MIB). Many medical insurers are members and will use adverse medical information when underwriting for life or health insurance, or disability policies. Even activities that are considered hazardous may be compiled, such as hang gliding or piloting airplanes. Virtually every major bank and collection agency reports to one or more of the Big Three, and most of the smaller reporting agencies get their information straight from one or more of them. The Big Three also compile public record information. The company makes profits by providing a line of products to both individuals and businesses. For example, according to their website, Equifax sells services to monitor credit scores, protect against identity theft, and reduce debt faster. The company is headquartered in Atlanta, Georgia. Experian Information Solutions, Incorporated, with corporate headquarters in Dublin, Ireland, operates on a global level, offering services and products to both individuals and companies.

A good rule to follow is to check your reports regularly to check for their accuracy.

Creditors feed the credit reporting agencies with account information and such personal history as date of birth, employment data, and address information. Service bureaus scan public record documents (found at courthouses and county offices) that contain such information as judgments (court documents declaring that one party owes another money), bankruptcies, liens, and criminal records. The service bureaus furnish this public record information to credit reporting agencies, which house it in their databases. A good rule to follow is to check your reports regularly to check for their accuracy. By knowing if your reports are accurate you have a powerful tool to manage your finances and if your score is lower than you want you can have the opportunity to improve it. Credit scores are used by many institutions and employers in evaluating risks. A good credit score is important and could be the key to better deals and opportunities.