Credit Report Service

Up to 79 percent of all credit reports contain inaccurate information.

First Credit Correction Service Newsletter:
The general public may not be aware that one in four credit reports are so inaccurate that they are declined credit. Everything in today's world is based off credit reports. Things such as getting a mortgage, a car loan, a credit card, a bank loan or even an apartment lease to other things as small as getting a cell phone and in some cases, even employers will look at credit reports when deciding to give someone a job. Many times when a person has paid off a credit card or loan only to apply later in life for a new loan, the same item still shows a balance.

Business Objects Q3 results in line; no Q4 outlook due to SAP - UPDATE

(Update to add SAP estimates on synergy effects, credit line) PARIS (Thomson Financial) - Business Objects SA reported third-quarter results in line with preliminary figures released earlier this month, and said it was not providing any guidance for the rest of the year in view of an agreed takeover offer from SAP AG.

The business software group said third-quarter revenue was 369 mln usd, up 19 pct year-on-year, while licence revenue was 6 pct higher at 139 mln usd.

Services revenues, including product maintenance, consulting and training, were 230 mln usd, up 29 pct year-over-year.

Diluted earnings per share under US GAAP were 0.07 usd, down from 0.21 a year earlier. Non-GAAP EPS came to 0.39 usd versus 0.41 a year earlier.

On Oct 7, Business Objects had warned it was expecting third-quarter total revenue of around 366-370 mln usd and licence revenue of 137-139 mln usd, below its own expectations.

Consumer Affairs warns about 'not-so-free'

The South Carolina Department of Consumer Affairs (SCDCA) encourages people to check their credit reports annually. This is an important way consumers can safeguard against identity theft, credit fraud or unauthorized charges, and check for errors or inaccuracies that can affect a credit decision. Legislation that became effective in South Carolina on June 1, 2005, gives consumers the right to receive a FREE copy of their credit report once a year. However, if ordering your credit report online, consumers are warned to stay away from misleading Web sites claiming to offer free credit reports, then enrolling the unsuspecting consumer in a monthly reporting service costing $11.95 each month. SCDCA has received numerous complaints from consumers who are further victimized when emails trying to cancel the service go unanswered and the Web sites offer no information on cancellation.

Easy Steps to Improve Your Credit Score

(ARA) - Your credit score affects what type of interest rates you get on credit cards or for buying a house or car, as well as your approvals for employment or apartment rental. It's important that you understand not only what your score means, but how to repair it.Now you can get your credit score online.By viewing your credit activity on a regular basis you can remove any items that may not belong to you, which can negatively affect your score. If you have a low credit score due to detrimental items that need to be removed or fixed, there are steps you can take to remove them.GoFreeCredit.com teaches you how to manage your credit report and how to deal with credit bureaus and creditors. Credit monitoring, automatic notification of credit activity and a detailed personal analysis are all included in this online service.Many times people don't realize there is negative activity on their credit report.