Financial Reports Concord NC

The article examines the steps you should take to correct mistakes on your free credit reports in Concord. This repairs your credit score and should re-establish your creditworthiness.

Giles Almond
Matrix Wealth Advisors, Inc.
(800) 493-3323
831 East Morehead Street, Suite 760
Charlotte, NC
Expertises
Advising Medical Professionals, Ongoing Investment Management, Planning Issues for Business Owners, High Net Worth Client Needs, Charitable Giving - Trusts & Foundations, Retirement Plan Investment Advice
Certifications
NAPFA Registered Financial Advisor, BS, CFP®, CIMA, CPA/PFS

Jonie Parks
Matrix Wealth Advisors, Inc.
(800) 493-3323
831 East Morehead Street, Suite 760
Charlotte, NC
Expertises
Advising Medical Professionals, Cash Flow/Budgets/Credit Issues, Planning Concerns for Corporate Executives, High Net Worth Client Needs, Helping Clients Identify & Achieve Goals, Financial Issues Between Generations
Certifications
NAPFA Registered Financial Advisor, CFP®

Mr. Robert W. Suddreth, CFP®
(704) 262-2344
868 Church Street North
Concord, NC
Firm
Wells Fargo Bank, N.A.
Areas of Specialization
Asset Allocation, Banking, Charitable Giving, Comprehensive Financial Planning, Debt Management, Education Planning, Estate Planning
Key Considerations
Average Net Worth: $1,000,001 - $5,000,000

Average Income: $100,001 - $250,000

Profession: Business Executives

Data Provided by:
Mr. Trent Schloneger, CFP®
(704) 287-7686
845 Church St N Ste 205
Concord, NC
Firm
VALIC Financial Advisors

Data Provided by:
Mr. Eric B. Housman, CFP®
9648 Ashley Green Ct NW
Concord, NC
Firm
5th 3rd Bank

Data Provided by:
Marilyn Spencer
Rinehart Wealth Management
(704) 374-0646
521 E. Morehead Street, Suite 580
Charlotte, NC
Expertises
Tax Planning, College/Education Planning, Women's Financial Planning Issues, Middle Income Client Needs, Socially Responsible Investments, Financial Issues Between Generations
Certifications
NAPFA Registered Financial Advisor, CFP®, EA

Cheryl Sherrard
Rinehart Wealth Management
(704) 374-0646
521 E. Morehead Street, Suite 580
Charlotte, NC
Expertises
Estate & Generational Planning Issues, Charitable Giving - Trusts & Foundations, Women's Financial Planning Issues, Planning Concerns for Corporate Executives, High Net Worth Client Needs, Ongoing Investment Management
Certifications
NAPFA Registered Financial Advisor, AAMS, ATP, CFP®

Mr. W. Brian King, CFP®
(704) 782-0010
51 Means Ave SE
Concord, NC
Firm
King Financial Corporation
Areas of Specialization
Asset Allocation, Budget Development, Business Succession Planning, Comprehensive Financial Planning, Education Planning, Employee and Employer Plan Benefits, General Financial Planning

Data Provided by:
Mr. Edmond T. Hartsell, CFP®
(704) 661-5423
131 Louise Dr SE
Concord, NC
Firm
Hartsell & Associates, Inc.
Areas of Specialization
Charitable Giving, Comprehensive Financial Planning, Employee and Employer Plan Benefits, Estate Planning, General Financial Planning, Insurance Planning, Retirement Planning
Key Considerations
Average Net Worth: $250,001 - $500,000

Average Income: $50,001 - $100,000

Profession: Legal Professionals

Data Provided by:
Mr. John F. Schwab Jr., CFP®
(704) 778-1167
9485 Autumn Fire Ave NW
Concord, NC
Firm
Resource Horizons Investment Advisory
Areas of Specialization
Asset Allocation, General Financial Planning, Investment Management, Retirement Income Management, Small Business Planning, Sudden Wealth Management, Unemployment Issues
Key Considerations
Average Net Worth: Not Applicable

Average Income: Not Applicable

Profession: Not Applicable

Data Provided by:
Data Provided by:

Financial Reports

Provided By:

Author: David Mayer

The law is very straightforward. The Fair Credit Reporting Act gives all US consumers the right to receive one free report from the credit bureaus every year. The intention is to ensure that everyone understands their financial situation, takes precautions to fight identity theft, and gets (reasonably) fair treatment from all lenders. You have no right to receive your credit or FICO score. The problem is that every lender, insurance company and other company that uses the information about your finances applies a slightly different formula to work out your score. There is no one score to give you. All your get is your credit history. That’s all the transactions recorded by the banks, finance companies, insurers, etc. The good or bad news, depending on your point of view, is that up to 40% of all reports contain one or more mistakes. The good news is that you can get these mistakes corrected. The bad news is that everyone has been calculating your creditworthiness and risk profile on the basis of bad information, sometimes for years.

How do you get these histories? There’s a single federal site where you apply: www.annualcreditreport.com. There’s also a toll-free number: 877-322-8228. If you approach the three major credit bureaus directly, i.e. Equifax, Experian and TransUnion, there’s a chance you will be asked to pay. If you go to any other website, you will almost certainly be asked to pay to get your “free” reports. Use the federal site only to avoid problems. When you log on to the site, be prepared with your name, address, date of birth and social security number. You will also be asked for some other information only you would be expected to know, e.g. the amount you paid as the last mortgage instalment. Assuming you pass through the security system without problem, you will be give immediate access to your report. If you use the telephone system or write them a letter, expect to wait two more more weeks for a hard copy of the report to arrive. If you find a mistake on your free credit report that affects your credit scores, you should act immediately. Write to the credit bureau and the reporting agency that filed the incorrect information using certified mail with return receipt requested, and explain in detail why the credit report is wrong. Send copies of the relevant bills, statements, cancelled checks and receipts — hopefully, you are well organized and have been keeping all these original documents and records in a safe place. If you are writing to report a case of identity theft with someone opening an account or falsely using your credit cards, make a police report and send a copy of that report to the bank, credit card company, etc. The bureau and reporting agency have thirty days to reply with the results of their investigation. If they agree with you, the information will be corrected. If they disagree, they must given reasons. In this way, you can ensure that all the information about you is both complete and accurate. With your records accurate, your FICO scores should improve.

David Mayer has shared his vision and professional opinion on a vast array of topics and http://www.money-saving-solutions.com/what-to-do-when-you-get-your-report.html is one of the sites where you can read more of David Mayer's contributions.

Article Source: http://www.articlesbase.com/mortgage-articles/what-to-do-when-you-get-your-report-942392.html