Latest 3 Credit Reports News

Filed Under 3 Credit Reports | Comments Off on Latest 3 Credit Reports News

Supernova Remnant is a Textbook Case (NASA, Chandra, 1/30/07)
3 credit reports
Image by NASA’s Marshall Space Flight Center
Editor’s Note: This image from 2007 shows Chandra X-ray & VLA Radio Images of G11.2-0.3.

G11.2-0.3 is a circularly symmetric supernova remnant that contains a dense, rotating dead star at its center, representing a textbook case of what the remnant of an exploding star should look like after a couple thousand years. When a massive star collapses, the outer layers of the star are blown away in an extremely energetic explosion. Depending on the mass of the original star, a dense object such as a neutron star or a black hole, can form and be left behind at the explosion’s center. Such a neutron star, known as a "pulsar" when it rapidly rotates, can be kicked by the thermonuclear shock wave created when the star exploded, causing it to race through space at millions of miles per hour.

By combining X-ray and radio observations, astronomers have evidence that G11.2-0.3 is likely the result of the explosive death of such a massive star, perhaps witnessed in 386 A.D. Radio observations measure the remnant’s expansion rate, which, in turn, can be used to calculate how long ago the star exploded. The radio data is consistent with association of the supernova remnant with the "guest star" reported by Chinese astronomers nearly 2,000 years ago. Chandra’s ability to pinpoint the pulsar at nearly the very center of G11.2-0.3 also supports the idea that this debris field could have been created around the time of the Chinese observations. Surprisingly, the age of the pulsar determined from the X-ray and radio data differs from the standard pulsar age estimate, usually determined from how fast it is spinning. In this case, the so-called spin parameters suggest the G11.2-0.3 is 10 times older than the remnant age. This argues strongly that young pulsar spin ages can be very misleading and should be considered with caution.

Read entire caption/view more images:

Image credit: X-ray: NASA/CXC/Eureka Scientific/M.Roberts et al.; Radio: NRAO/AUI/NSF

Caption credit: Harvard-Smithsonian Center for Astrophysics

Read more about Chandra:

p.s. You can see all of our Chandra photos in the Chandra Group in Flickr at: We’d love to have you as a member!

You can also get Twitter updates whenever there’s a new image:

3 Free Credit Reports From the 3 Bureaus

Filed Under 3 Credit Reports | Comments Off on 3 Free Credit Reports From the 3 Bureaus

3 credit reports
by Chris Devers

All details about your identification and financial behavior are contained in your credit report. The 3 basic heads are – Public record information, Credit information and Personal information. It is from this information that your credit rating is done. However, more importantly, credit reports help you to manage your finances better, and you also know that if you are being cheated, you can get redress.

A sample of the Experian credit report is as follows:
– Report Number – this is to contact Experian online
– Index – to navigate through your report
– Potentially negative items – includes creditor’s name and address, your account number, account status, overdue child support, bankruptcy, and unpaid tax
– Status – indicates the current status of the account, your credit limit, balance, and loan amount & payment pattern. If you think there is a discrepancy, you could contact them immediately to start the rectification.
– Accounts in good standing – list of accounts which have positive status
– Type – whether your account is a revolving or an installment account
– Request for credit history – either by you, or by those with whom you have transactions
– Personal information – where you give your name, addresses, telephone numbers, social security numbers, date of birth, current and previous employers
The TransUnion credit report would feature:
– Personal information
– Employment information
– Geo code – indicating your Geo status
– Report Summary – this would include all transactions, monthly payments, loan instalments, and payment, as well as the balance of accounts
– Scorecard – this would give the score and the reasons for that score
– Collections – this would show all dealings with creditors, and the balance of accounts
– Public records – which would include assets and liabilities
– Trade lines – would show credit limits, and payments of all transactions
– Inquiries – which include insurance, personal finance statements, records of credit card and travel/entertainment
The Equifax credit report would show:
– Personal information
– Public records and other information
– Collection items which may include a customer statement

All 3 credit reports are easily accessible. TransUnion, Equifax, and Experian all monitor the reports on a daily basis. They all offer 24/7 customer care support, and give up to $ 20,000 identity theft coverage insurance. They also offer an Interactive Score Simulator which can help you with best financial practices to improve your credit score. You can also acquire a consumer credit report which features all 3 agencies. This will guarantee that all the information that you have on your credit report is authentic.

Click Here to get a FREE credit report if you are in the USA and Click Here to get a FREE credit report if you are in the UK

The most trusted credit checking companies.

Today’s question is: Just How Can Credit Reporting Agencies Get And Hold My Information?
Ask us your credit concerns in the opinions and find your following card at

The 3 credit scoring companies – Experian, Equifax, and TransUnion – gather information regarding your financial loans, charge cards, and other financial activity. These records is voluntarily provided by the lenders, who benefit when you are capable of getting advisable of somebody’s credit danger by taking a look at their credit history. Credit ratings are manufactured in line with the information during these reports. If you think that some info is wrong or missing from your credit file, you can lodge a dispute using the appropriate agencies.

Every week, John Ulzheimer responses COMPLETE credit questions. E-mail united states, contact us, or ask on real time talk, and we may answr fully your concern on YouTube!

To learn about fico scores, credit reports, handling financial obligation, and how credit cards work, consider our realize section at

If you’re seeking a charge card, start your hunt at

Join our neighborhood!


Video Rating: / 5

3 Credit Reports FAQ – Don’t Ignore Economic Reality

Filed Under 3 Credit Reports | Comments Off on 3 Credit Reports FAQ – Don’t Ignore Economic Reality

3 credit reports
by Moyan_Brenn

What Are the 3 Credit Reports?
In the United States, the common phrase “3 credit reports” refers to Equifax, Experian, and TransUnion. These are the three main credit reporting agencies that maintain records on whether adults are paying all of their bills on time.

Am I Entitled to Free Copies of the 3 Credit Reports?
Yes, thanks to an update to the federal Fair Credit Reporting Act (FCRA) you can access at least one free copy of your reports each year. Plus you can request complimentary copies of your records with other credit bureaus; some examples are Innovis, Telecheck, Certegy, and ChexSystems.
If you already received your complimentary copies, you still might be able to get more free copies. If you are denied credit, required to make a deposit for utilities, plan to apply for a job, or believe you are a victim of identity theft you can usually get more complimentary copies of at least one of the 3 credit reports.

How Long Does Information Stay on the 3 Credit Reports?
It depends on whether the information is about timely payments or missed payments. Generally, a closed loan or credit card account that was always paid on time will remain on your 3 credit reports for at least 10 years. An open account always paid on time should report indefinitely and help increase your credit score.

If you have late or missed payments, your credit rating usually will suffer some damage from that for 7 years. In the event of Chapter 7 bankruptcy or a tax lien, the reporting time changes to 10 years.

How Can I Quickly Increase My Credit Score?
1. Check your credit report at least once a year. You can visit the government-approved website to see what companies are saying about your financial reputation. If something is incorrect or more than 7 years old, you can protest the information.

2. Understand that the credit scoring system rewards you for borrowing as little money as possible. If you do not apply for credit cards whenever you feel the urge, you will have a better credit rating.

3. Pay more than the minimum monthly payments each month. A myth regarding the credit scoring system is that you just need to pay your bills as promised to get a great credit rating. This is provably false. Paying even a little bit above what is required will boost your score. This is a major secret to successfully navigating the credit scoring system. is dedicated to providing intelligent answers to credit related questions commonly asked by consumers.

Which are the “huge 3” credit file?

Filed Under 3 Credit Reports | Comments Off on Which are the “huge 3” credit file?

3 credit reports
by Moyan_Brenn

In the us, lots of credit reporting agencies keep track of whether we pay our bills as concurred. But most people only need to concern on their own with 3 credit file from Equifax, Experian, and TransUnion. Virtually all potential loan providers and landlords will always check more than one of these papers when determining if they will carry out business to you. Therefore, it is essential to check at the least the top 3 credit history every year.

A typical blunder folks make is falling for “free credit file” cons. Almost all websites that promote free copies regarding the 3 credit file are contemplating getting the credit or debit card information. Yes, you may possibly in the beginning get several no-cost copies of your credit files. But within one to 30 days you’ll usually be recharged for a credit tracking solution. The small print ended up being that one could get a “free” credit file, but just as part of a “free” trial. In the event that you would not terminate the test associated with the credit tracking solution within a specified time period, you will then be charged a monthly and/or a yearly fee.

Also, a number of these “free” reports have actually inaccuracies. How to get the 3 credit reports is to use a government-approved website labeled as The Federal Trade Commission, a government business made to protect consumers’ wallets, does not promote some other site for the purpose of getting really free copies regarding the 3 credit file.

Alternatively, you’ll write or phone Equifax, Experian, and TransUnion. However, it may be less difficult to go through the brief identification verification process at You may never be asked for any sort of payment information and also the site is extremely secure. Indeed, you can’t even see your very own 3 credit history and soon you prove your identification. The conventional standard for identification confirmation is for the computerized system to offer two to four multiple-choice concerns. Areas covered could feature past streets or towns of residence, names of family relations or roommates, brands of existing or past loan providers, together with payment range for one of one’s current financial loans including property home loan. If you cannot finish this technique on line, you must deliver a duplicate of the passport, armed forces ID, or driver’s license along side a copy of a bill that proves your address. Then you will have the 3 credit file through email. is specialized in providing intelligent responses to credit relevant questions frequently asked by consumers.