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<table cellpadding="3" cellspacing="0" width="100%" class="forumline"> <thead> <caption><table border="0" cellspacing="0" cellpadding="0" width="100%" class="forumheader"> <tr> <td align="left" valign="bottom" width="25"><img src="http://picsrv.fora.pl/AcidTechTiger/images/hdr_left.gif" width="25" height="27" alt="" /></td> <td align="center" class="forumheader-mid">Topic review</td> <td align="right" valign="bottom" width="25"><img src="http://picsrv.fora.pl/AcidTechTiger/images/hdr_right.gif" width="25" height="27" alt="" /></td> </tr></table></caption> </thead> <tbody> <tr> <th class="thCornerL" width="22%" height="26">Author</th> <th class="thCornerR">Message</th> </tr> <tr> <td width="22%" align="left" valign="top" class="row1"><span class="name"><a name=""></a><b>hezshtwo7l1a</b></span></td> <td class="row1" height="28" valign="top"><table width="100%" border="0" cellspacing="0" cellpadding="0"> <tr> <td width="100%"><img src="http://picsrv.fora.pl/AcidTechTiger/images/post_old.gif" width="12" height="9" alt="Post" title="Post" border="0" /><span class="postdetails">Posted: Fri 9:46, 22 Apr 2011<span class="gen"> </span> Post subject: Tips apt Understand Your Credit File</span></td> </tr> <tr> <td colspan="2"><hr /></td> </tr> <tr> <td colspan="2"><span class="postbody">Author Info <br />tom Search <br /> <br />Home | Finance <br />Tips to Understand Your Credit File <br /><span style="color: #000080">By: Tauqeer Hassan</span> <br />Credit file is basically a file that holds all the financial information about you. It is a confidential file and is kept by credit reference agencies. This information can be released to only bona fide enquirers who are in sincere need for the information, for instance, latent lenders. The enquirer ought be registered with the Information Commissioner and the Office of just trading. <br />There are different means from where agencies get this information such as Official Gazettes,<a href="http://www.nikejordanoutlet.com/jordan-all-day" target="_blank">jordan all day</a>, from commerce bodies favor the Council of Mortgage Lenders, the Register of County Court Judgments and electoral coil. Agencies tin too get this information from the lending companies and banks that have given you loans at any time in the quondam. Your credit file contains comprehensive financial information about you, such as it will invest information about your current loans and the quondam loans among a definite duration, how many credit cards you have, your credit limits, information about payments made and so on. It will too provide you with information about any credit quests by lending companies over the elapse two years. <br />Lending companies take assist from these credit files anytime you apply for anybody load, honor card alternatively pledge. Their intention is to retard whether your credit document contains anybody bad mark opposition you, i.e. because late payments, owing debts etc. In namely circumstance your application for credit may be refused. Certainly, your credit file activities a vital portion in your life. It contains entire the vital information that namely momentous for you for well as for borrowing companies. <br />However, there is a nice part as well, behind each six years; the before record either agreeable or bad is deleted from your file. It method that any adverse information even bankruptcy case is erased. Under the Consumer Credit Act 1974, you have the right to discern all the information kept approximately you in the file. You equitable need to jot to the credit reference companies and they ambition mail you a copy of the file along decree. <br />Credit reference agencies are enrolled agencies and you can get the information about these agencies from your regional Citizens Advice Bureau. The major agencies however you can adjoin to get your information contain Equifax, Experian and Callcredit pic. Make certain that peccadilloes and omissions are likely. No stuff how efficient the organization is, they can make mistakes. For example, whether two people share the same label,<a href="http://www.nikejordanoutlet.com/jordan-after-game" target="_blank">air jordan after game</a>, there financial information may have been interlocked. It is therefore suggested to see a copy of your credit file sometimes to make sure that information given in the file is purely related to you and there are no blunders in it. <br />There is no hard and hasty rule set for unions to how many agencies they need to send your monetary file. Sometimes, organizations sbring an end to ...formation to only an agency just aboutmetimes to two or 3 above abnormal root. This creates a chaos sometimes as every agency may have alter information about you. So, better get a copy from every agency.</span></td> </tr> </table></td> </tr> <tr> <td colspan="2" class="spaceRow"><img src="http://picsrv.fora.pl/AcidTechTiger/images/spacer.gif" alt="" width="1" height="1" /></td> </tr> </tbody> </table>
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