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Elizabeth, New Jersey - Credit Reports search results Premier Listings

Consolidated Credit
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Important Terms Relating to Credit Reports

Credit scores are important indicators of one's financial health. For this reason, many authorities advise consumers to check their credit report annually. There are some common terms associated with credit reports that may confuse you, so let's define some of them below.

  • Credit Bureau - An agency that collects information about a person's financial background to appraise one's creditworthiness. There are three major bureaus in the U.S., each of which independently calculates a consumer's credit rating.
  • Credit Score - The numerical score representing one's personal creditworthiness. A high score indicates strong financial health. It is calculated by taking into consideration a variety of factors, including payment history and types of credit used.
  • Credit Repair - Attempting to improve or increase one's credit score. Be advised that most websites promising quick-fix methods of doing this are scams.
  • Background Check - Looking up a person's financial history, past employment, criminal record, and similar data. This is frequently done by employers and landlords to help determine whether they should enter a business relationship with someone, and the process often involves checking credit reports.
  • Identity Theft - The illegal practice of stealing a person's private information, often including social security numbers and similar confidential data, with the intent of securing benefits that the victim would be otherwise entitled to. Routinely monitoring one's credit report can reduce the chance of falling victim to identity theft.
  • Fair Credit Reporting Act (FCRA) - The federal law responsible for the regulation of the manner in which a consumer reporting agency operates. Among other things, the FCRA requires credit bureaus to send free annual reports to consumers upon request.
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    National Credit Reporting Association
    Roselle, IL 60172
    Stay on top of your credit score with help from our credit reporting association. Offering helpful tips and resources to maintain and improve your credit rating in any area of the country.
     
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    Madam Bella of New York Inc
    2301 Avenue Z, Brooklyn, NY 11235
    Madam Bella of NY can help you to increase your credit score, Improve your credit even after Bankruptcy. For all type of credit score repair contact us.
    (718) 332-3177
    Christian Financial Solutions
    11416 173rd Street, Jamaica, NY 11434
    Call Christian Financial Solutions at (516) 939-4468 in Jamaica, NY, to achieve financial freedom through convenient credit repair and comprehensive counseling services.Call Christian Financial Soluti
    (516) 939-4468
    D B F Collection Corp
    Hewlett, NY 11557
    We are a full service, licensed debt collection agency. We serve a wide variety of large and small clients, and report to all of the major credit bureaus. We are members of Experian and ACA International.
    (516) 295-4636
    Cmb Associates
    963 Post Ave, Staten Island, NY 10302
    (718) 556-9500
    Redemption Finance
    N/A, Newark, NJ 07106
    Call (888) 970-9736 for in-depth financial assistance from our experts in Newark, NJ.
    (888) 970-9736
    Ngs Merchant Services
    98 Mallory Ave, Jersey City, NJ 07304
    (201) 433-8033
    TRW Financial Services Inc
    1100 Orange Ave, Cranford, NJ 07016
    (908) 653-1237
    Manufacturs Clearing House
    930 Newark Ave Ste 408, Jersey City, NJ 07306
    (201) 659-3500
    Patricia Ciardiello
    165 Macfarland Ave, Staten Island, NY 10305
    (718) 447-3368
    Experian Cheetah Mail
    29 Broadway Fl 6, New York, NY 10006
    (212) 809-0825
    Fidelifacts Metropolitan New Y
    42 Broadway, New York, NY 10004
    (212) 425-1520
    Medical Billing Resource
    600 Bloomfield Ave, Bloomfield, NJ 07003
    (973) 429-8082
    Wirth Business Credit
    50 Harrison St Ste 307g, Hoboken, NJ 07030
    (201) 610-1002
    Credit Analysis
    545 39th St, Union City, NJ 07087
    (201) 758-8605
    Bernard Sands Credit Consultants
    253 W 35th St, New York, NY 10001
    (212) 279-3300


    Credit reports are based on an individual’s past financial history. Credit reports have details about borrowed and repaid money. When someone performs a credit check on you, they are basically checking out your past finances. This is to see if you paid your bills on time, how much credit card debt you have, how much you earn annually, and whether or not you have ever filed bankruptcy. Credit reports are important these days for many reasons. Each person is assigned a credit score based on his or her financial history. The higher the score, the better. There are national bureaus and agency locations that perform credit checks all the time and provide people with scores. Having an annual credit report done by a trusted agency is a great way to monitor your score. Many people do this for personal reasons. It is also a good way to check and make certain that no one has affected your score by using your name or identity. Many businesses also check their credit ratings at times. This can easily be done online for free. Keep in mind that there are certain government regulations put in place to keep track of this information. If your financial standing or credit score is not considered high, you can work to increase it. There is more information online about finding a reliable credit check company or agency. Some local banks and bureaus can also assist you with credit checks and repairs. Depending on whom you choose to consult, there may be a small fee involved with determining your credit score.
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