Equifax – clearing
Last Thursday, September 7, Equifax, one of the largest credit reporting agencies in the U.S., announced it is investigating a data breach of its own that could affect an estimated 143 million Americans.
“This is a very disappointing event for our company, which directly affects who we are and what we do. We apologize to consumers and our client companies for the concern and frustration this is causing,” said Richard F. Smith Chairman and Chief Executive Officer of Equifax. “We are a leader in data management and protection, and we are conducting a thorough review of security operations across the board. We care about protecting our consumers and have developed a range of services to support all U.S. consumers, whether or not they were affected by this accident.”
If you want to multiply your saved money by making investments on digital platforms, first consider these security recommendations to protect your finances and make a safe decision.
Companies adhering to the clearing of reports
A person may request a free copy of his credit report in our offices, located in San Jose. The holder of the information may request the ARCO rights that the Law confers in our offices located in San Jose, such rights may be Access to information, rectification, deletion of data.
A person may request access to the information of another person, as long as he/she presents a document issued by the owner of the information, authorizing him/her to have access to his/her record, such document must be authenticated by an authorized and registered notary, also all according to the requirements specified by the laws of the Republic of Costa Rica.
View online clearing
Credit card issuers then use this information to send pre-approved or pre-screened credit card offers to consumers, also called firm credit offers.
There are benefits to receiving firm offers in the mail. Pre-approved credit card offers give you valuable information about the cards you are likely to qualify for, which helps you stay connected to the credit market.
That said, there are also valid reasons to opt out. If you’re not interested in applying for a new credit card, want to reduce paper clutter or prefer to compare credit cards online, opting out of receiving prescreened offers may be the best option for you.
If you’ve decided to opt out of receiving credit card offers in the mail, the easiest way to do so is to go to OptOutPrescreen.com , the credit bureau’s official opt-out site. Click. Click here to opt in or opt out at the bottom of the screen and follow the instructions to complete the form.
In the United States, building credit is an essential step in making certain financial decisions, such as buying or renting an apartment, applying for a loan, or obtaining a credit card. At BID Global Credit Union, we are dedicated to helping you protect, use and establish your credit.
Points are assigned for each factor that helps predict who is most likely to repay a debt. The total number of points in your credit score helps determine how creditworthy you are.
The first step to take is to establish a credit history. Building good credit takes time, so it’s important to start establishing your credit before you really need it. According to Experian, a national credit reporting agency, there are many ways to build credit with or without a credit card:
Credit scoring estimates how you will handle credit in the future by using information included in your credit reports. Here are some guidelines on how to improve and maintain a good credit rating.