Our network of experienced debt specialists and services are full of people who have maintained a long-term commitment to helping others handle consumer debt and deal with credit struggles.
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Add your company if you provide the following services and / or programs:
· Consumer Credit Counseling
· Consolidation Loans
· Debt Settlement
· Financial Consulting Firm
· Debt Consolidation
· Debt Negotiation
· Bankruptcy Services
· Debt / Interest Rate Reduction
· Mortgage Refinancing
· Loan Modification
· Mortgage Arbitration
· Mortgage Broker
· Financial Advisor
Credit
Your Credit Report
A credit file disclosure, also known as a credit report, provides you with all of the information in your credit file maintained by a consumer reporting company that could be provided by the consumer reporting company in a consumer report about you to a third party, such as a lender. A credit report also includes a record of everyone who has received a consumer report about you from the consumer reporting company within a certain period of time. Your credit file disclosure includes certain information that is not included in a consumer report about you to a third party, such as the inquiries of companies for pre-approved offers of credit or insurance and account reviews, and any medical account information which is suppressed for third party users of consumer reports. You are entitled to receive a disclosure copy of your credit file from a consumer reporting company under Federal law and the laws of various states.
Debt Help USA counselors can provide you with a free credit report to help you evaluate your financial situation. In addition to consumers who are eligible for a free credit report through the Annual Credit Report Request Service, consumers in some states are eligible for a free credit report under state law. The following states have laws that make free credit reports available to consumers: Colorado, Georgia, Maine, Maryland, Massachusetts, New Jersey and Vermont. You are entitled to receive one free credit report every 12 months from each of the nationwide consumer credit reporting companies – Equifax, Experian and TransUnion.
You are entitled to receive one free credit report every 12 months from each of the nationwide consumer credit reporting companies through the Central Source. It is entirely your choice whether you order all three credit reports at the same time or order one now and others later. The advantage of ordering all three at the same time is that you can compare them. On the other hand, the advantage of ordering one now and others later is that you can keep track of any changes or new information that may appear on your credit report.
