We had started out on this mission of information on backgrond checks with lots of optimism. And we have also ended it in the same manner.
Today's backgrond checks Article
Have You Checked Your Permanent Record Lately?
Have You Checked Your Permanent Record Lately?
by: James H. Dimmitt
As a young student I feared getting bad grades because I didnt want any bad marks on my permanent record. Get an F in fifth-grade science and it goes in your record. Act up in Mrs. Browns class? Yep, its in your record too. Get caught using a swear word and its not only in your permanent record but it goes right at the top! When you go to a parochial school like I did, you come to believe that there really is some mysterious file that follows you for the rest of your life.
Want to know a secret? There really IS a permanent file that follows you through life, but it has nothing to do with grammar school grades or activities. The real permanent record you need to be concerned about as an adult is your credit record! You should check your credit record on a regular basis, especially if you are planning on making a major purchase such as a car or home.
Your credit report or credit profile is a record of your credit activities. It lists your credit card accounts and loans, your account balances, and whether or not you make your payments on time. Your credit report is used by potential lenders to evaluate your creditworthiness. Credit reports have also been used by insurance companies to determine what rates you will pay for your insurance policies.
Reviewing your credit report can help you avoid costly errors. In one recent study, more than 50% of the credit reports checked contained errors. Other studies have shown similar results with as high as a 70% error rate. The most common error occurs when the information of another person, with a similar name or account number, is recorded in your credit profile.
A more serious problem occurs when someone gains access to your personal information and commits identity theft. Identity theft has become the fastest growing crime in our nation. Identity theft complaints jumped 75% from last year according to a recent Federal Trade Commission report. The monetary loss from identity theft crimes skyrocketed to a combined $53 billion in 2002! Accounts that appear on your credit report that werent opened by you could be a sign of identity theft.
For a thorough review of your credit profile, you need to check with all three major credit reporting agencies (CRAs) : Equifax, Experian, and TransUnion. Information can vary between the three CRAs and its important to make sure each has accurate and up-to-date information regarding your credit history.
Once you have your credit report, start by checking the accuracy of your personal information: your name, your social security number, address(es), etc.
Next , examine the accounts listed in your credit history. This section lists your accounts with creditors and your payment history with them. It is important to read this entire section and make sure the information is complete and has been reported correctly. Report any errors immediately to the credit reporting agency for investigation and correction.
Finally, check the number and frequency of credit inquiries to your file. Make sure that all the inquiries were authorized by you. Potential creditors who see a high number of inquiries in a short period of time may consider you a high risk and deny you credit.
Make it a habit to check your credit report annually. Doing so can save you time, money and future credit problems down the line.
About The Author © 2004, http://www.yourfreecreditreportnow.com
|
Featured backgrond checks Items
THE ELEPHANT SANCTUARY IN TENNESSEE
The Elephant Sanctuary in Tennessee, founded in 1995, is the nation's single natural habitat refuge developed specifically for endangered African and Asian elephants. It operates on 2,700 acres in Hohenwald, Tennessee - 85 miles southwest of Nashville. The Elephant Sanctuary exists for two reasons: To provide a haven for old, sick or needy elephants in a setting of green pastures, old-growth forests, spring-fed ponds and a heated barn for cold winter nights; and to provide education about the crisis facing these social, sensitive, passionately intense, playful, complex, exceedingly intelligent and endangered creatures.
Price: 20.90
NOW EQUALITY
Since its founding in 1966, NOW's goal has been to take action to bring about equality for all women. NOW works to eliminate discrimination and harassment in the workplace, schools, the justice system, and all other sectors of society; secure abortion, birth control and reproductive rights for all women; end all forms of violence against women; eradicate racism, sexism and homophobia; and promote equality and justice in our society.
Price: 20.90
FARM SANCTUARY - GO VEGETARIAN
Farm Sanctuary is a national, non-profit organization dedicated to changing the way society views and treats farm animals. Since Farm Sanctuary began in 1986, they have worked to expose and stop the cruel practices of the "food animal" industry through undercover investigations, legal and legislative actions, public awareness projects, youth education and outreach programs, and direct rescue and refuge efforts. Farm Sanctuary is the nation's leading voice for farm animals ... thanks to people who care enough to become a Farm Sanctuary member. For more information on what YOU can do to help, contact Farm Sanctuary.
Price: 20.90
THE FUND FOR ANIMALS
The Fund for Animals was founded in 1967 by prominent author and animal advocate Cleveland Amory, and has spearheaded some of the most historic and significant events in the history of the animal protection movement. With regional offices working around the country on hard-hitting animal advocacy campaigns, and animal care facilities such as the world-famous Black Beauty Ranch, The Fund is one of the largest and most active organizations working for the cause of animals throughout the world.
Price: 20.90
backgrond checks in the news
Questions to ask potential pet sitters - The Olympian
Wed, 10 Sep 2008 11:13:04 GMT
Questions to ask potential pet sitters The Olympian, WA - ... n Can the pet sitter accommodate both your pet's daily schedule and your vacation schedule? n Has he or she received a criminal background check? n Will ... |
Atom-smasher is fired up - Sowetan
Wed, 10 Sep 2008 11:39:18 GMT
Atom-smasher is fired up Sowetan, South Africa - “When I came back on the Monday to work here the first thing I did was go and check various other papers to see if my recollection was correct and it would ... |
Tennessee fires trooper accused of snooping - The Associated Press
Wed, 03 Sep 2008 21:51:04 GMT
 WNCT | Tennessee fires trooper accused of snooping The Associated Press - (AP) — A Tennessee Highway Patrol trooper accused of conducting unauthorized background checks on nearly 200 people, including two journalists and a country ... Tenn. firing trooper who made background checks Source: Trooper to be fired for background checks THP officer recommended for termination for running checks |
Tags: artistic check designs | artistic checks
Labels: mail order check, reorder check, reorder personal checks
posted by Jim Smithson @ 4:44 AM
0 comments
