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Stock Loan Specifics
Thank You letters || Testimonials notes about other deals that went south Close the deal at
Jumbo Loans FHA SECURE LOANS FOR ADJUSTABLE RATE MORTGAGES IN DEFAULT
PREQUALIFICATION |
FACT ACT - Free Annual Credit ReportMany major provisions of the FACT Act go into effect 12/1/2004. This law amends the Fair Credit Reporting Act (FCRA). Our Credit Reporting Bureau's Merge Reports will include all new alerts and information conveyed by the nationwide credit bureaus, including:
The FACT Act grants an annual free credit report to all consumers. The three nationwide consumer reporting companies Equifax, Experian, and TransUnion have established a Web address, toll-free telephone number, and postal address consumers can use to request a free annual credit report. Beginning December 1, 2004, consumers in 13 Western states will be able to begin making requests by visiting www.annualcreditreport.com, calling 877-322-8228, or mailing a standardized form to Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281. The 13 eligible states are Alaska, Arizona, California, Colorado, Hawaii, Idaho, Montana, Nevada, New Mexico, Oregon, Utah, Washington, and Wyoming. Free annual reports will be phased in across the country from west to east over a nine-month period. After September 1, 2005, all U.S. consumers will be eligible to request a free report from the nationwide consumer reporting agencies. If you have questions about this new opportunity to obtain your credit reports for review, you may get the FTC's new Facts for Consumers Brochure, "Your Access to Free Credit Reports," which is available online at www.ftc.gov/bcp/conline/pubs/credit/freereports.htm. We hope this information is helpful to you. This information is not intended to be legal advice, and should not be relied upon as such. |
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