== == From the Federal Trade Commission:
AnnualCreditReport.com is the ONLY authorized source to get your free annual credit report under federal law. The Fair Credit Reporting Act guarantees you access to a free credit report from each of the three nationwide reporting agencies - Experian, Equifax, and TransUnion - every twelve months. The Federal Trade Commission has received complaints from consumers who thought they were ordering their free annual credit report, but instead paid hidden fees or agreed to unwanted services. Don't be fooled by TV ads, email offers, or online search results. Go to the authorized source when you request your free report. You can request your free report online, by phone or by mail. Visit AnnualCreditReport.com, call 1-877-322-8228, or fill out the Annual Credit Report Request form and mail it to Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281. No matter how you request your report, you have the option to request all three reports at once or to order one report at a time. By requesting the reports separately, you can monitor your credit more frequently throughout the year.
File a Complaint -The FTC wants to hear from you if you paid for what you thought was your free annual credit report.
SPAM - The FTC also wants you to forward us any unsolicited emails you've received offering you a free credit report. Send them to spam@uce.gov. Refer to links below
You can get a free credit report once a year from Annual Credit Report. There are other sites like Credit Karma that will give you your current credit report without having to use a credit card or signing up for a service. You will need to enter personal information to obtain your credit report so make sure that the site you are using protects your sensitive information.
You can obtain your three credit scores by going to a bank or financial center and having them figure it our for you. You could also go to freecreditscore.com and they will calculate them for you.
Credit reports determine your credit score based on your credit card usage. Without a credit card, you'll be unable to obtain a credit report. If you are of age, it is best to obtain a credit card and use it responsibly in order to build good credit. Good luck!
Yes
To help reduce risk, it is important to establish business credit separate from personal credit. This can be done by obtaining a D&B D-U-N-S® Number and tax identification number (EIN) for your business and using those numbers to help build credit.
how do i obtain a secondary credit number
You can get a free credit report once a year from Annual Credit Report. There are other sites like Credit Karma that will give you your current credit report without having to use a credit card or signing up for a service. You will need to enter personal information to obtain your credit report so make sure that the site you are using protects your sensitive information.
In all likely hood it would be impossible to obtain a credit card of any kind without providing a social security card number. Without that item, a person's credit records cannot be accessed properly.
You can obtain your three credit scores by going to a bank or financial center and having them figure it our for you. You could also go to freecreditscore.com and they will calculate them for you.
If you have a bad credit rating, you will have to pay a higher interest rate. This will be like a penalty for having bad credit.
A Social Security Number or Taxpayer ID Number are generally required in order to obtain a mortgage loan.
Credit reports determine your credit score based on your credit card usage. Without a credit card, you'll be unable to obtain a credit report. If you are of age, it is best to obtain a credit card and use it responsibly in order to build good credit. Good luck!
Yes
Having bad credit could disable an individual from buying a house or car. Bad credit is usually restrictive on larger purchases that require borrowing money to obtain the item.
To help reduce risk, it is important to establish business credit separate from personal credit. This can be done by obtaining a D&B D-U-N-S® Number and tax identification number (EIN) for your business and using those numbers to help build credit.
Credit Profile Number - General term given to any nine digit or multi-digit number used to obtain credit. Examples of such numbers include the Social Security Number, the Taxpayer Identification Number, the Employer Identification Number, and the Credit Privacy Number.
There doesn't appear to be any requirements financially that need to be met by a person to obtain a sears credit card. The website actually offers cards without credit checks.