Cool 3 Credit Bureaus photos

Have a look at these 3 credit agencies pictures:

Harrisburg Bureau of Fire, Pennsylvania Tower 3
3 credit reporting agencies
Image by dfirecop
Neighborhood (in my experience) Fire equiptment. Photo credits go right to the each Fire business itself.

grave of William T Sampson and household – Arlington National Cemetery – 2013-08-24
3 credit bureaus
Image by Tim Evanson
The graves of family relations of Admiral William T. Sampson in Arlington National Cemetery in Arlington County, Virginia, in the usa.

Sampson was born in 1840, and graduated from the U.S. Naval Academy in 1861. Annapolis immediately hired him to instruct physics. He quickly served throughout the American Civil War (his ship hit a mine and sank), and then spent even more many years training, managing the Bureau of Navigation, commadning instruction ships, and serving in naval torpedo design studio. He was called Superintendent of this u.S. Naval Academy in 1886.

He was marketed to Captain in 1889 and commanded the protected cruiser USS san francisco bay area. (Armoring of battleships had been only beginning. A "protected cruiser" had been a warship with a buckle of armor in regards to the waterline to cease torpedoes, and a heavily armored over-deck to quit bombs from penetrating downward in to the ordnance or fuel bunkers.) He later on had been Chief of the Bureau of Ordnance for four many years before presuming demand associated with battleship USS Iowa in Summer 1897.

The battleship USS Maine exploded under mystical situations on February 15, 1898. Sampson was appointed head associated with Board of Inquiry examining the catastrophe. Even though the board had been incapable of determine what took place, the United states hit thought your Spanish Navy had set a mine, and war broke out amongst the U.S. and Spain in March. Sampson had been breveted to rear-admiral, and given command associated with entire North Atlantic Squadron.

May 12, Sampson experimented with intercept the Spanish Atlantic Squadron at San Juan, Puerto Rico. But it wasn’t here (it had been brief on coal and old, together withn’t also appeared), therefore Sampson purchased the city bombed. Numerous civilians died. Sampson after that steamed for Cuba, where he was joined by Commodore Winfield Scott Schley’s Flying Squadron. They learned that Admiral Pascual Cervera y Topete’s Spanish Atlantic Squadron was already within the harbor at Santiago de Cuba. They experimented with block the harbor on June 3, but were unsuccessful.

On July 2, U.S. General William Rufus Shafter, commanding V Corps (the key U.S. battle power in Cuba), asked Sampson to make his means into the harbor at Santiago de Cuba. This is V Corps’ task, and Sampson ended up being appalled as he realized the U.S. Army had experienced such grievous losses from infection so it needed the U.S. Navy to capture the city for this.

These day, Admiral Cervera’s old, broken-down boats tried to operate the blockade. Sampson choose to go ashore just hours early in the day for a conference with Shafter, leaving Schley to win the victory as he effortlessly ruined the six Spanish vessels. Sampson and Schley spent the rest of the many years arguing over whether or not it ended up being Sampson’s program or Schley’s command that won the afternoon. (The U.S. Navy generally speaking credits Schley. One of many gates at Arlington National Cemetery is named the Schley Gate.)

President William McKinley appointed Sampson Military Governor of Cuba on August 20, 1898, but Sampson resigned in December to resume command regarding the North Atlantic Fleet. A year later, he was named Commandant associated with the Boston Navy backyard and retired in February 1902. He passed away in May 1902.

Day 185: Resolutions
3 credit agencies
Image by Anomalily
[01/07/2012] My resolutions for 2012, though a bit late because disease and moving:

save 10% of my income for emergencies
save 5percent of my earnings for pension
change my name with the credit reporting agencies
2 hours weekly on summer planning

Berlin comic
simply take better pictures
party many better
in place of procrastinating, make some thing
write 2 stories

prepare much more
stretch until i could perform some splits
be more honest
end making my life since hard when I can and commence rendering it as easy as I’m able to
sleep more
drink moderately, but brew even more beer
watch just 3 hours of TV weekly

just take a motorcycle refresher class
make an application for the Watson
get better at German
ace my junior qual
kickass on my thesis suggestion

Remained in bed, most time, either resting or reading to my kindle application. Still-sick. Took a one-hour adventure to ikea to have a comforter and pillow (all of this resting has given me personally heightened demands for my bedding) in addition to getting an innovative new dish rack. Otherwise, we slept.

Mood: 7
Wellness: 4.5
Hours of Rest: 20+
# of beverages of Caffeine: 0
# of beverages of Alcohol: 0
Miles Biked: 0
Climate: Rainy and Grey

Nice Credit Bureaus photos

Some cool credit bureaus pictures:

[IDAHO-A-0359] Arrowrock Dam
credit bureaus
< img alt=" credit report bureaus" src="" width=" 400"/ > Photo by< a href= ”″ > waterarchives Picture Title: Arrowrock Dam Day: July 13, 1916 Place: Boise River, 13

miles east of Boise, Idaho Description/Caption: On verso,” Arrowhead Rock Dam Idaho””

. Medium: vernacular black and white photograph.

Photographer/Maker: Unknown.

Point out as: ID-A-0359,

Constraints: There are no known U.S. copyright constraints on this photo. While the electronic image is openly readily available, it is requested that < a href=" "rel =" nofollow" > be attributed as its source. For better recreations of the original physical variation contact< a href=" "rel=" nofollow" >, constraints could apply. [IDAHO-A-0361] Arrowrock Dam< img alt=" credit scores bureaus" src="" width=" 400"/ >
Image by
< a href=http://”″ > waterarchives Photo Title: Arrowrock Dam. Day:
c. 1920. Place: Boise River, 13 miles east of Boise, Idaho.
http://Tool: vernacular black and white negative.
http://Photographer/Maker: Unidentified.
http://Mention as: ID-A-0361,
http://Limitations: There are no recognized U.S. copyright limitations on this picture. While the digital image is easily readily available, it is requested that
< a href=" "rel =" nofollow" > be attributed as its resource. For greater high quality recreations of the initial physical variation get in touch with < a href="" rel="nofollow" >, constraints may use.

3 Free Credit Reports From the 3 Bureaus

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.

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1 Credit monitoring from Experian and Transunion will take several days to begin.
2 We will require you to provide your payment information when you sign up. We will immediately charge your card the price stated and will charge the card the price stated for each month you continue your subscription. You may cancel at any time; however, we do not provide partial month refunds.
3 The credit scores provided under the offers described here use the Equifax Credit Score, which is a proprietary credit model developed by Equifax. The Equifax Credit Score and 3-Bureau credit scores are each based on the Equifax Credit Score model, but calculated using the information in your Equifax, Experian and TransUnion credit files. The Equifax Credit Score is intended for your own educational use. It is also commercially available to third parties along with numerous other credit scores and models in the marketplace. Please keep in mind third parties are likely to use a different score when evaluating your creditworthiness. Also, third parties will take into consideration items other than your credit score or information found in your credit file, such as your income.
4 Identity theft insurance underwritten by subsidiaries or affiliates of American International Group, Inc. The description herein is a summary and intended for informational purposes only and does not include all terms, conditions and exclusions of the policies described. Please refer to the actual policies for terms, conditions and exclusions of coverage. Coverage may not be available in all jurisdictions.

Griphop by Kevin MacLeod is licensed under a Creative Commons Attribution license (
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Nice Credit Bureaus photos

Have a look at these credit rating bureaus photos:

Prescribed Burn at Malheur NWR
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< img alt="credit scores bureaus"src =""size ="400"/ > Image by USFWS Pacific Malheur National Wildlife Sanctuary Fire staff, combined with the Burns Interagency Fire Zone, the Bureau of Land Monitoring, and also the UNITED STATE Forest Solution carried out a 7,631-acre proposed fire on Malheur National Wild animals Haven (NWR)recently. Malheur NWR is positioned within the Harney Container in southeastern Oregon, as well as encompasses 187,757 acres of wild animals environment. The Refuge stands for a critical quit along the Pacific Flyway and provides relaxing, breeding, as well as nesting habitat for numerous migratory birds and other wildlife. Many of the species moving through or breeding here are highlighted as concern varieties in national bird conservation plans. Image credit score: Carla Burnside, USFWS.

Why Banks and Credit Bureaus Love Low Credit Scores

Most people know having a low credit score costs more than having a high one. However, what few consumers ever learn is just how expensive their low credit score really is. Today…

* We WON’T talk about the fact a low credit score could cost you a good job (because over 50% of employers are now running credit checks on job applicants).

* We WON’T talk about the fact you could end up paying up to 40% more for your auto insurance (because most insurance companies now check credit when quoting premiums).

* We WON’T talk about the fact most utility companies for Electric, Gas, Water or Cable now demand a deposit before services can be turned on because of a low credit score.


* We WON’T talk about the other FIVE ways a low credit score will cost you money and make life more difficult each month.

No… today we’re going to talk about the one way a low credit score will cost you a fortune and why the banks and credit bureaus love your low credit score (if you choose to do nothing about it). This one element of credit if not addressed will cost the average American over $ 100,000. Even worse, it can cost the average mortgage broker or loan officer over $ 100,000… each year. The saddest part of all? The banks and credit bureaus win if you choose to do nothing because its’ your loss and your loss IS their gain. Let us explain… We all know the largest purchase a consumer will make in their lifetime is their home. As a result, the greatest amount of interest ever paid in a consumers’ lifetime will be on the loan, for that home. Again, most consumers know with a low credit score they’re going to pay a higher interest rate on that loan. However, few consumers ever learn the REAL amount that increased interest ends up costing them over the life of the loan. After all, the typical American Consumer now lives in a world where their only focus when financing anything, is all about,

The MONTHLY Payment.

This type of thinking feels good in the short run but becomes expensive in the long run. Let’s look at some factual numbers as to why with the story of Bill and Ted. Bill and Ted both bought homes in the same neighborhood, on the same street and for the same price. Bill had a high credit score and borrowed $ 180,000 to purchase a 4 bedroom 3 bath home. Because of his high credit score he got a 30 year fixed rate loan at 5.5% interest. Here’s what Bills loan looked like:

His loan amount was $ 180,000 His interest rate was 5.5% This gave Bill a monthly payment of $ 1022.02 His payments over 30 years totaled $ 367,927.00 His interest paid over the term totaled $ 187,927.00 (Of his $ 367,927 in total payments… $ 187,927 went to interest). Bill paid for his house twice after interest, but don’t cringe until we’re done talking about Ted.

Ted had a low credit score and borrowed $ 180,000 to purchase a 4 bedroom 3 bath home on the same street as Bill. He got a 30 year fixed loan as well, but because of his low credit score his interest rate was 8.0% instead of Bills 5.5%. Here’s what Teds loan for the same $ 180,000 loan looked like:

Teds loan amount was $ 180,000 His interest rate was 8.0% This gave Ted a monthly payment of $ 1320.78 (about $ 300 more per month than Bills) Teds payments over 30 years totaled $ 475,479.00 Teds interest paid over the term totaled $ 295,479.00 The problem is NOT that Ted paid over $ 295,000 in interest on his loan of $ 180,000. The real issue is that Ted paid $ 108,000 MORE in interest than Bill just because his credit score was lower!

Teds total home loan interest paid = $ 295,479.00 Bills total home loan interest paid = $ 187,927.00 Difference = $ 107,552.00 The harsh reality is that Ted’s credit score cost him $ 107,000… But that’s not the real tragedy of the story… The worst part is Bill and Ted were brothers and both had bad credit at the same time (years before buying their homes). The only difference was Bill took action to fix his credit, while Ted didn’t. Now, ask yourself “Who got Teds’ $ 107,000 in extra interest payments?” ANSWER: The Bank. And that’s why banks love low credit scores. Customers like Ted are far more profitable than customers like his brother Bill. All because a lower credit score means they have to pay a higher interest rate and most people like Ted don’t see the big picture, instead they only focus on…

The MONTHLY Payment they can afford.

Banks love people like Ted because they make millions off them. Will you end up being like Ted and throwing away over $ 100,000 in interest payments on your home? Hopefully not… Now that we’ve covered why banks love low credit scores… let’s talk about why Credit Bureaus love them just as much (if not more). “Why Credit Bureaus Love Low Credit Scores…” If you ask 10 Americans on the street… “How do Credit Bureaus make money?” You will invariable get the same answer all 10 times: “By Selling Credit Reports of Course!” While this answer is true, it’s not… the whole truth. The reality is that Credit Bureaus make the bulk of their money selling personal information, not running credit reports. In the example of Bill and Ted one doesn’t have to be smart to realize that Ted is a more profitable customer to the bank then Bill, because Ted has to pay a higher interest rate due to his credit score. This is because Ted is what’s known as…

“A SUB-PRIME Borrower” Since sub-prime borrowers are more profitable customers because they pay higher interest rates, there is a thriving business for Credit Bureaus to sell lead data to Mortgage Lenders. Remember, Credit bureaus make the BULK of their money NOT by selling credit reports but by selling personal information. And, the only thing more profitable than selling personal information, is when you can sell that same personal information, over and over to, multiple clients. Let us wrap up with just one example…

“TRIGGER Leads” A while back the Credit Bureaus came up with an extremely profitable product to sell to mortgage brokers called “TRIGGER LEADS.” The best way we like to explain a “Trigger Lead” to consumers, is to have them imagine they work at their local Sheriffs office answering the telephone. Then, every time someone calls and gives their name, address and phone number in order to file a police report that their home was just broken into… they then take that information and turn around and sell it as a “Lead” to 20 different “Home Security Companies” so they can contact the recent victim about purchasing a security system for their home. After all, you can’t find a “Hotter Lead” for a home security system than a person whose just had their home robbed within the last 24 hours! Triggers Leads essentially work the same way except they’re sold to mortgage brokers. It works like this: Joe Consumer goes to his local bank or mortgage broker to get pre-qualified to purchase a home. As a result, the lender pulls his credit in the process. The Credit Bureau see that Joe Consumer is shopping for a loan so they then sell his name, address and phone number to other mortgage brokers as a “Trigger Lead” within 24 hours, so they can call him and pitch him a better deal. Sound interesting… It gets better. In some cases the “Trigger Lead” will be sold 20 times in less than 24 hours. Shocked? Don’t be… not until you learn that “Trigger Leads” can cost around $ 5 each (or more depending on the data selects). So let’s break down the numbers real quick. Joe Consumer gets his credit pulled in the process of “pre-qualifying” for a home mortgage. His personal information is then sold for $ 5 as a “Trigger Lead” to up to 20 different mortgage brokers within 24 hours. Simply math tells us that if 20 People Each Pay $ 5 for Joe’s Contact Information that’s $ 100 generated off Joe’s Name! Now imagine how many “Joe’s” are generated each day by the Credit Bureaus? Selling sales leads for loans and credit card offers is BIG business for the Credit Bureaus. How many other businesses have a database of over 200 million names they can make money off selling over and over? Now, imagine WHO is the most profitable “LEAD” they can sell? A person with a HIGH credit score? Or A person with a LOW credit score? The answer is obvious. And, it also becomes obvious why the Credit Bureaus have automated so much of their consumer dispute processes overseas. It’s also the reason why the Credit Bureaus have shown no real incentive to reduce the number of damaging errors in consumer credit reports with enacting stricter data management. In the end “SUB-PRIME Borrowers” are more desperate and more profitable and that’s the reason why the Credit Bureaus love your low credit score.

Jay Peters is the founder of Credit Repair Publishing and has been publishing credit repair information since 1994. For their free eBook titled “28 Credit Secrets the Banks, Collections Agencies and Government Don’t Want You to Know!” Visit their website at: – Credit Repair industry insider information. Get the Facts!
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