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Do you Know the Benefits of Checking your Credit Report?
By Mary Arce


Article03.html
Many people in the UK, in fact as many as one in three UK taxpayers have paid too much tax! A new `No Win No Fee` tax refund service has just been launched by Greer & Taylor LLP on a dedicated new website The Taxation People which can be found at www.thetaxationpeople.com where you can find out all the infomation need before making the decision to apply for a tax refund. The Taxation People offer a cost effective `No Win No Fee` online service, with a simple and easy to follow process they will guide every step of the way as you apply for a the refund. I would urge you to check out www.thetaxationpeople.com, where you can enlist the help of the The Taxation People who will get you the Tax Refund you are entitled to. The Taxation People are a trading name of Greer & Taylor LLP a respected and trusted accountancy service provider who is moving to provide a number of online services. Initially they are only offering the Tax Refund service that can be found at www.thetaxationpeople.com, but Greer & Taylor LLP are about to lauch a cost effective Self Assesment Service, keep an eye on www.greer-taylor.com for more information.

Unsecured Loans
Another large garage bill makes you wonder if it`s really worth spending any more money on the car. It has reached the time in its life when it`s started to cost you in upkeep and a newer model might prove to be less bothersome. With no savings to speak of you might be considering one of the Unsecured Loans that a price comparison site has pinpointed for your needs. You looked at the Unsecured Loans a few months ago but haven`t done anything about it since. Using the website that searches for low cost loans is easy as you simply enter the loan amount that you are interested in, the time period that you need it for and the purpose of the loan. The company will also need your employment status and some information about you. An initial assessment will take place for the best quote available and once the loan comparison site has found the best quote, they`ll be in touch with you. Think about the type of car that you could get with one of the Unsecured Loans and how much cheaper it would be to run. You could even combine a few of your other smaller loans into the new one to cut down on your monthly outgoings.


Do you know why you should check your credit report?

Of course you do, because you have undoubtedly experienced one working in your life!

No matter where you roam, your credit report follows you through life, updating all aspects of your life: your employment, where you live, your opened credit accounts, your closed accounts, your payment history, and even public records on you.

In this country, a good credit history brings you benefits of all kinds--a home mortgage, an apartment lease, an auto loan, or even more credit--with ease.

Like a job resume, your credit file carries a lot of weight, that`s why you need to keep an eye on what it says about you.

Many options are cut off to you if you do not look "credit worthy" on paper. A bad report can mean higher rates on loans and insurance. It can also mean whether you get hired or promoted by a growing number of employers who now use them in the evaluation process.

Even if you think you have a good credit standing and you pay your bills on time, you still need to review your credit file for accuracy.

Studies have shown that credit files have an error rate as high as 70%, often the result of simple human or computer error.

Sometimes these errors show you being late in paying your bills when you are not. Your file might even leave out information that could sway a decision in your favor. The most common error is where damaging information of another person, with a similar name or account number, is mixed into your profile.

Monitor your personal credit file so that you are alerted whenever negative or derogatory items are reported against you.

A neglected credit file can lead to some major inconveniences in your life in the future.

You should fix mistakes or remove any incorrect information as soon as you find it. Errors that creep onto your report take time to correct. Catching these mistakes when they occur helps resolve them faster.

When you improve your credit worthiness you can qualify for better rates - which adds up to big savings for you.

Even if you think you have an unblemished past, checking your report lets you know what a future lender or employer will learn about you.

If your credit report is less than perfect now, you can deal with lingering problems effectively, and move towards a better credit standing in the future.

A good credit rating means more money in your pocket and less out the door!

** Attn Ezine editors / Site owners **
Feel free to reprint this article in its entirety in your ezine or on your site so long as you leave all links in place, do not modify the content and include our resource box as listed above. If you do use the material please send us a note so we can take a look.

Thanks,
Mary

(c) Mary Arce - All Rights reserved

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