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The World Wave and Tidal Market Report 2011-2015

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Article by Bharatbook

Bharatbook from its exhaustive collection has come out with a report ” The World Wave and Tidal Market Report 2011-2015 ” which gives an overview, Demand, Supply Trends and industry analysis reports.

The report is now in its second edition. The report focuses on the current and future prospects, technologies and markets for the wave and tidal current stream sectors. The report provides a comprehensive and fully illustrated review of different technological concepts and devices employed in both existing and future projects.

New editionThe World Wave & Tidal Market Report by energy industry analysts Douglas-Westwood is now in its second edition. The report focuses on the current and future prospects, technologies and markets for the wave and tidal current stream sectors.An emerging industry.

The first commercial wave and tidal current stream projects are now appearing online and forecast expenditure for the 2011-2015 period is $ 1.2 billion. The sectors have been characterised by a large number of concept devices. An increasing number of these technologies have attracted investment and progressed to full-scale prototype testing and beyond. Key countries such as the UK have put into place greater financial support and site development legislation to help the first commercial projects progress. This emerging industry offers potential to investors seeking to build or expand their renewable portfolio, as well as supply chain companies looking for new markets. business credit report

In common with other reports of Douglas-Westwood’s acclaimed series, The World Wave & Tidal Market Report is aimed at executive readers. The report does not assume detailed technical knowledge of the subject.

Technology reviewThe World Wave & Tidal Market Report provides a comprehensive and fully illustrated review of different technological concepts and devices employed in both existing and future projects. The report provides analysis of the impact of current and new technologies on the industry and identifies the key players in the business.

Industry issuesWith the sector still young, there are significant issues that must be addressed and overcome. The report analyses and assesses potential solutions to issues such as costs, installation, operations & maintenance and investment.

Key marketsIndividual countries must have appropriate legislation and market mechanisms in place to allow development of wave and tidal projects. For each active country the report presents the market drivers, legislation, financial incentives and issues that aim to boost project development.

Unique market forecastsUsing the same in-depth modeling process that is adopted for other reports in this series, the report presents worldwide market forecasts for both sectors for the 2011-2015 period. Five years historic data is included for comparison.

Douglas-Westwood has been tracking the sector since 2000 and has an in-house database covering all projects worldwide, which this report draws directly from. Each proposed wave & tidal current stream project worldwide is assessed to model unique and detailed market information.

Executive Summary – summary of market forecasts, macro trends, industry challenges.Market Drivers and Constraints – green drivers, macro energy drivers.Introduction to the Wave & Tidal Industry – development history, technology development, R&D, test sites, manufacturing, components.Project Lifecycle – pre-installation surveys, engineering surveys, environmental surveys, device installation, cable installation, grid connection, operations & maintenance.Wave – available resource, development history, classification of devices and technology overview, wave energy devices.Tidal Current Stream – available resource, development history, classification of devices and technology overview, tidal current stream energy devices.Market Issues – Costs, financing, survival, grid connection and supply chain development.Key Markets – market types, Australia, Canada, Norway, Portugal, France, USA and UK. Other markest Denmark, Finland, China, Ireland, South Korea, New Zealand, Spain, Sweden.Market Forecasts – capacity, capital expenditure and numbers of devices for wave and tidal current stream. http://www.bharatbook.com/market-research-reports/marine-and-shipping-market-research-report/the-world-wave-and-tidal-market-report-2011-2015.html

For more information kindly visit : The World Wave and Tidal Market Report 2011-2015

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World, Wave, Tidal, Subsea, Shipping, Market Research Reports

Bharat Book Bureau, the leading market research information aggregator provides market research reports, company profiles, country reports, newsletters, and online databases for the past twenty four years to corporate, consulting firms, academic institutions, government departments, agencies etc., globally, including India. Our market research reports help global companies to know different market before starting up business / expanding in different countries across the world.










Pathology Report Critical to Lesion Excision Coding

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Article by Ggandhi

Nugget: If a surgeon excises more tissue to remove margins and the lesion turns out to be benign, wound closure may be billed in addition to the lesion excision. To accurately bill lesion excisions, general surgery coders need to (as always) carefully talk to their surgeons, carefully read the operative report, and wait for the pathology report before submitting claims, coding experts say. In particular, waiting for the pathology report is crucial, because only then does the surgeon know for certain whether the lesion is benign or malignant. The excision of a malignant lesion is reimbursed at a higher rate than that of a benign lesion because (1) the general surgeon is likely to excise more tissue to remove the margins of the lesion; (2) there is an inherent risk to the patient if all the cancerous tissue is not removed; (3) the surgeon likely will spend time counseling the patient; and (4) often more needs to be done to prevent the cancer from metastasizing further. General surgeons typically make a clinical assessment as to whether a lesion is benign or malignant before excising the lesion. If a malignant lesion is suspected, the general surgeon probably will excise a larger tissue sample in an effort to get at the lesion’s margins. Determining how to code the excision, however, is another matter. Marc E. Hernandez, MD, a general surgeon in Inverness, Fla., describes the process (and the problem) as follows: On occasion, we will see patients to evaluate skin lesions to make an evaluation and recommendations regarding whether they are benign or malignant. Many patients request excision of these lesions. Based on a clinical assessment of whether a lesion is benign or malignant, we perform an appropriate excision. For lesions that clinically appear benign, we in general will make a smaller, more superficial excision with suture closure. For lesions that clinically appear malignant, we make a wider excision with more attention to margins and depth of excision. The specimen is then sent for pathology. The pathology report routinely takes two working days. The question is how to code for the initial excision. Since the extent of excision is based on a clinical diagnosis, one could argue for billing excision of a malignant lesion if the clinical diagnosis and subsequent excision are consistent with a malignant lesion. However, the pathology report sometimes returns two days later with a benign lesion. Because of the delay in the pathology report, one could consider not billing for the lesion as excision of a malignant lesion or a benign lesion until the pathology report returns. However, as I stated earlier, the initial excision was done either conservatively or more aggressively based on the clinical diagnosis. In the situation outlined by Hernandez, the recommended approach is to wait for the pathology report to return despite the two-day delay, says Arlene Morrow, CPC, a general surgery coding and reimbursement specialist in Tampa, Fla. You have to code to the highest level of specificity and that means waiting for the pathology report ” Morrow says. The interests of the patient also mitigate against billing for a malignant lesion excision before the pathology report returns Morrow points out noting that if the lesion turns out to be benign the patient will now have a cancer label and find it difficult if not impossible to obtain health insurance in the future. In addition some carriers want a pre-pathology report indication (i.e. sign or symptom) to provide medical necessity for the lesion excision which in effect means coding all such excisions as benign. Extra Payment for Wound RepairAlthough a general surgeon who suspects that a lesion is malignant and removes a wider margin of tissue will not get paid more for doing so if the pathology report comes back negative he or she will be reimbursed further for the closure says Kathy Mueller RN CPC CCS-P a general surgery coding and reimbursement specialist in Lenzburg Ill. When either benign or malignant excisions are excised (114xx excision benign lesion; 116xx excision malignant lesion) simple repair is considered part of the excision procedure but intermediate (or layered) and complex closures are not and may be billed separately according to CPT and Medicare guidelines. Many surgeons’ offices however are unaware that these repairs are billable Mueller says. “As long as the documentation states that the repair included skin and/or subcuticular plus a deeper level an intermediate or complex repair can be billed with the excision of the lesion ” Mueller says adding that “there should be two measurements when billing both excision and repair: the size of the lesion before excision and the size of the defect created by the excision. If you wait for the pathology report for lesion size there is usually a decrease in size since tissue shrinks immediately when excised and more when it is put in formalin.” For example if a surgeon performs a re-excision of a 2.5 cm squamous cell carcinoma of the shoulder with intermediate repair of a 4.0 cm defect the procedures should be billed using CPT codes 11603 (excision malignant lesion trunk arms or legs; lesion diameter 2.1 to 3.0 cm) and 12032 (layer closure of wounds of scalp axillae trunk and/or extremities [excluding hands and feet]; 2.6 cm to 7.5 cm). Both procedure codes would be accompanied by ICD-9 code 173.6 (other malignant neoplasm of skin; upper limb including shoulder). No modifier would be needed Mueller says because intermediate repair codes are not bundled into excisions. If the re-excision occurred within 10 days of the first excision however modifier -58 (staged or related procedure or service by the same physician during the postoperative period) should be attached to both codes to indicate that the procedures were staged. Mueller adds that when coding re-excisions of malignant lesions the actual size of the original lesion excised needs to be reported. But the repair of the defect created by the re-excision also may be billed because the surgeon usually will take a good margin around the lesion provided the documentation includes the depth of the repair. The sign or symptom that led the surgeon to take a wider margin provides medical necessity for the intermediate repair that is paid separately Mueller says. When excisions and repairs are coded together you should determine which service has more relative value units (RVUs) says Cynthia Thompson CPC a coding and reimbursement specialist with Atlanta-based healthcare consultants Gates Moore & Co. Even though the excision may seem to be more important than the closure it may pay less she says. For example the 11603 is worth 2.95 RVUs while the 12032 pays 3.69 or about 25 percent more. In this case the 12032 should be listed first on the HCFA 1500 claim form Thompson says. Reimbursement for Benign Lesion ExcisionCarriers do not routinely pay for the excision of benign lesions. To be reimbursed the documentation should indicate redness chafing or recent changes in color shape or size. For example carriers likely will recognize the excision of lesions in body areas that tend to be irritated. The removal of other lesions such as moles likely will be considered cosmetic and won’t be covered by many carriers. So before excising such lesions physicians should get their patients to sign a waiver to indicate that if the insurance carrier does not cover the procedure the patient will take responsibility for the bill. If the patient is covered by Medicare modifier -GA should be appended to the procedure code to indicate that such a waiver was signed. Pathology Report Can Identify Missed ProceduresAnother useful coding role for the pathology report is to identify services that may have been left out of the surgeon’s operative report. For example a surgeon may perform a laparoscopic cholecystectomy (47562) but when the pathology report returns the coder notes that it mentions three skin lesions the surgeon also removed that were omitted from the op report. When that occurs Mueller recommends that surgeons dictate an addendum to the operative note based on the pathology report before the HCFA 1500 claim form is submitted. Otherwise Mueller says “If the carrier ever asks for a copy of the op note you’ll be sending in a report that doesn’t include all the procedures that were performed.” If the surgeon doesn’t specify the size of the lesions in the op note not even the pathology report can help and the smallest size lesion code will have to be billed Mueller says. “The excision of three lesions for example can’t be coded if the size of the lesion isn’t documented in the op note because the lesions are coded by size and there is no documentation in that regard.” Lesion sizes can’t be deduced from pathology reports because (1) many pathologists describe the size of entire tissue sample examined not just the lesion; and (2) even if the lesion size is documented in the pathology report it will be inaccurate because lesions shrink immediately upon excision and even more while they are being preserved she says.”

We provide you simple, instant connection to official code descriptors, guidelines and other tools for Medical Coding & Billing Like Cardiology Codes , Anesthesia Codes , that help coders and billers code accurately.










All Is Fair In Love, War, And, Your Credit Report. At Least It Should Be. Under Standing The Fair Credit Reporting Act

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Article by Glenn Prialde

Fact: Over 150 million Americans have credit report with the three major credit reporting agencies. Approximately 50 million of these credit reports contain errors, many of which are inaccurate. Do you know what’s on your credit report?If you’ve ever applied for a charge account, a personal loan, insurance or a job, there’s a credit report about you. This credit report contains information on where you work and live, how you pay your bills, and whether you’ve been sued, or filed for bankruptcy.About The Fair Credit Reporting Act? (FCRA)The Fair Credit Reporting Act was the first federal law to regulate the use of personal information by private business. It was all the way back in 1899 that the first major credit reporting agency was started. Over time, credit reporting grew into a huge industry and, by the late 1960’s, became surrounded by controversy.Credit reports from the Credit Reporting Agencies were being used to deny services and opportunities. At that time, you would have had no right to see what was in your credit report. The FCRA was passed in 1970 and fortunately now you have that right.On December 4, 2000 President George Bush signed into law the first phase of the Fair And Accurate Credit Transactions Act (FACT Act), which amends the FCRA. The FACT Act establishes the Financial Literacy and Education Commission and calls for a national financial literacy campaign.The act addresses consumer’s rights to understand and protect the information in their credit report and to get help when their financial information has been stolen. It also restricts the use of medical information in determining a consumer’s eligibility for credit, and also limits the sharing of medical information with affiliated companies under certain circumstances.Here are some questions consumers commonly ask about credit reports, Consumer Reporting Agencies and the answers. Note that you may have additional rights under state laws. You can contact your state Attorney General or local consumer protection agency for more information. You also have information and resources at your disposal 24/7 at: www.creditandyou.com.Q. What can I do about inaccurate or incomplete information?A. Under the new law, both the Consumer Reporting Agencies and the information provider have responsibilities for correcting inaccurate or incomplete information in your credit report. To protect all your rights under this law, contact both the Consumer Reporting Agencies and the information provider. See credit repair article by credit and you.comQ. Can my employer get my credit report?A. Only if you say it’s okay. A consumer reporting agencies may not supply information about you to your employer, or to a prospective employer without your consent.Q. Can creditors, employers or insurers get a report that contains medical information about me?A. Not without your approval.Q. How can I stop a consumer reporting agencies from including me on lists for unsolicited credit and insurance offers?A. Creditors and Insurers may use consumer reporting agencies file information as a basis for sending you unsolicited offers. These offers must include a toll free number for you to call if you want to remove your name and address from lists for two years, completing a form that the consumer reporting agencies provides for this purpose will keep your name off lists permanently.Q. Do I have the right to sue for damages?A. You may sue a consumer reporting agency, a user or in some cases a provider of consumer reporting agency data in state or federal court for most violations of the FCRA. If you win, the defendant will have to pay damages to reimburse you for attorney fees to the extent ordered by the court.Q. Are there other laws I should know about?A. Yes. If your credit application was denied, the Equal Credit Opportunity Act (ECOA) requires creditors to specify why if you ask. For example, the creditor must tell you whether you were denied because you have no credit report with a consumer reporting agency or because the consumer reporting agency says you have delinquent obligations. The ECOA also requires creditors to consider additional information you might supply about your credit history. You may want to find out why the creditor denied your application before you contact the consumer reporting agencies. See Equal Credit Opportunity Act article by credit and you.comStay On Top Of Your Credit …Before financing anything, car, furniture, or a home, it’s a god idea to make sure your credit report is clean. Errors can often be quickly removed. And no sales person should ever know more about your credit report than you.

To find out: additional rights you have, who can get a copy of your credit report, how long negative information can be reported, easy steps anyone can take to repair there credit report visit: http://www.creditandyou.com/creditreports.html it’s a free information website!










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Comprehending a Credit Report

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Article by Wendy James

Personal loans can also be used to improve your credit rating. If you have a bad credit history, you can take out a bad credit personal loan. Once you repay your bad credit personal loan, your credit rating improves. You can choose appropriate loan from the range of loans offered. Read the article to find out about the loans available in the UK loan marketm

The payday loan is credited directly into the bank account of the borrower.

A business loan can be secured by all types of UK business property, commercial and residential properties. Business Loans can offer up to 79% LTV (Loan to Valuation) with variable rates, depending on status and length of term.

You can use a personal loan for any of your miscellaneous needs. You can even use a personal loan to make daily purchases. However, you must avoid using personal loans to pay for daily expenses.

Comprehending a Credit Report

Obtaining a credit report is an excellent way to begin taking control of your financial future. It’s recommended that you review your credit report once a year, not only to be aware of your standing with creditors but to also keep abreast of errors and fraud. However, once your report arrives you may have trouble making sense of it. How are you to read and understand a credit report?

There are three major credit reporting agencies that issue credit bureau reports; Experian, TransUnion and Equifax. It is recommended that you obtain reports from all 3 credit report agencies as they most likely contain varying information since creditors subscribe to agencies on a purely voluntary basis. The credit reports provided by each of the different bureaus may present somewhat differently but generally speaking the information will be broken down in much the same way.

There are four main parts to the credit report: personal profile, credit history, public records and inquires. Check each section carefully for any errors. Note any errors you may discover on a separate piece of paper as you read over your report.

Personal Profile

At the top of the credit report you will find all your basic information such as your full name, current and previous addresses and employers, social security number, and date of birth. Your spouse’s name may also appear if applicable. In addition, you may notice several variations of your name listed. This can occur when creditors record the information incorrectly. These discrepancies are usually left on your credit report. It is important however, to ensure that your address is correct. An incorrect address could alert you to a possible identity theft.

Credit History

The next section is your credit history. This provides you with an itemized list of your current active, past closed accounts and their balances or arrears. Listed first is the name of the creditor and your account number for each bill–sometimes the account numbers may appear partially obscured for security purposes. These debts could include real estate mortgages, credit cards, car loans, or medical bills.

There will be a column for identifying the nature of the account; Joint, Individual, Undesignated, Authorized User, Terminated, Maker, Co-signer or Shared. There will also be a notation of the date when the account was opened, number of months the account payment history has been reported and date of last activity. The report will show your high credit limit or the maximum you are allowed to borrow, if applicable. There is a column for Terms which indicates the number of instalments or monthly payments remaining on the account.

The next few columns will show the balance remaining on the account, any past due amounts and the status of the accounts. There are two types of accounts; instalment and revolving. An Instalment account means that there are fixed payments and a specific ending date, such as with a car loan. A revolving account is one with no fixed ending date as with credit card debts. Creditors like to see few revolving debts.

Secured loans are those loans that use some object of value, which is referred to as collateral, as a guarantee of repayment and a method of offering lower interest rates. Secured personal loans has three words nsecuredo, npersonalo and nloanso. Secured loans are loans which are given after placing a guarantee.

Personal loans are classified as secured and unsecured loan on the basis of security attached to the loan.

Borrowers with bad credit history have to shell a greater amount because of the higher interest rates they are offered.

In order to make the resources available within a day, the loan provider in case of fast loans skips several steps that are involved in the normal loan processing.

The credit report will indicate the different types of accounts and also may assign it a numerical ratings system. You may see such symbols as R1, R2, R3 or I1, I2, I3.The R or I indicates Revolving or Instalment and the numbers indicate the payment history of the account as follows;

* 0- account hasn’t been used yet

* 1- paid as agreed

* 2- 30 plus days past due

* 3- 60 plus days past due

* 4- 90 plus days past due

* 5- 120 plus days past due

* 7- Collection account or bankruptcy

* 8- Repossession or foreclosure

* 9- Charged off or bad debt

The credit report will also show a record of any debts that have been turned over to a collection agency. It will show the date the collection was reported, the name of the company handling the collections and the company or lender that the loan was originally issued with and the balance remaining on the account.

Public Records

These are reports obtained from local, state and federal courts. They will indicate records of bankruptcies, tax liens and monetary judgments. Overdue child support records may also be shown. These public records will remain part of your credit history for seven to ten years and reflect negatively on your total credit score.

Inquiry Section This section reveals any parties that have obtained a copy of your credit report over the last two years. There are generally two types of inquires, hard and soft. A hard inquiry is one initiated by you, whenever you apply for a loan or fill out a credit application. A soft inquiry comes in three forms; companies that wish to offer you promotional applications for credit, current creditors that are monitoring your account or credit bureau inquires requested by you, the consumer. These soft inquires do not show up on credit reports that businesses receive, only on copies provided to you. Although many lenders will view too many inquiries on your report as negative, it is important to note that two or more ‘hard’ inquires within a 14 day period count as just one inquiry.

Credit Score

The credit report can also reveal your credit score. A credit rating scores is a means of calculating an individual’s credit risk to determine how likely they would be to make good on a loan. The score is a three digit number ranging between 300 and 850. The higher your score, the better it reflects on you as a borrower. A good credit rating score will enable you to negotiate for better interest rates.

Disputes

What if you should find an error on your credit report? Once you have discovered an error, contact the credit bureau that issued the credit report and state in writing what you found to be inaccurate. You will find the contact information listed at the top of your credit report.

The credit reporting companies must reinvestigate the claim within 30 days. They will then contact the party that submitted the item and attempt to resolve the dispute as quickly as possible. Remember, you have the right under the Fair Credit Reporting Act to dispute any inaccurate or fraudulent information that may appear on your credit report, and should do so in a timely fashion.

Once you learn to read and understand a credit report, you are moving towards a more secure financial future. Obtain your report today!

A business loan is designed for a wide range of small, medium and startup business needs including the purchase, refinance, expansion of a business, development loans or any type of commercial investment.

Online processing of loans is of special help in making instant loans possible. Online processing of loans does not simply mean using a computer for sorting and arranging data.

Shop for the best interest rates online and ask questions. Ask specific questions for a secured personal loan.

Credit card debts can mount up and get out of control quickly, you can reduce them today! Bridging loans can be used to fill in the cash shortfall existing in a property transaction and many more. Each loan has different features; you can find the loan you are looking for from the vast number of loans offered by lenders.

Direct loans are convenient, flexible and simple. A Direct loan is a loan by a lender to a customer without the use of a third party. This type of loan enables the lender to have greater discretion in the distribution of loans.

Learn ways to reduce your debts today at http://www.reduce-debt.info










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Did You Know that Everyone is Looking at Your Credit Report?

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Article by Joe Rispoli

Your employer probably saw a copy before hiring you and your landlord likely considered it before accepting you as a tenant. Long distance telephone carriers and cell phone companies even look at it before providing their services. And you’ve never even seen your own credit report? In fact, according to a recent study, less than 20% of all Americans have ever seen their credit report. Most people become concerned about their credit report only when they are denied credit. By that time, it’s usually too late.

You should take a look at your credit report at least once every 2 years. This way, information is still accessible and verifiable in the case that you may need to have it corrected. You should also look at your credit report before applying for any credit. This may help to avoid any unwelcome surprises. Allowing you to look at exactly what your loan manager will look at, can prepare you for any questions.

If you’ve never had credit problems, you might think that you need not be concerned. But according to a recent government study, one out of every four credit reports contain errors, one out of every six contain errors that could cause denial of credit. Sometimes Credit reports are accidentally combined, and people with similar names or social security numbers actually share a credit report! It’s not at all uncommon for family members to have overlapping data. Nor is it uncommon for a credit card or loan company to accidentally list you as having missed a payment.

Have you ever received a late notice or collection letter on something that you already have paid? I’m sure you made a phone call or two and straightened it out immediately. But what about the monthly report to the credit bureau? You can’t help but wonder if the mistake got corrected on that report. The only way to find out what is actually on your credit report is to look at it for yourself. When you do, you may be surprised to see that your credit record looks quit different than you expected. The past and present credit accounts that you expected to see, may not be listed, and still other accounts that you did not expect to see might be listed. This is not at all uncommon because creditors are not required to report our account to a credit bureau. They are free to report only the information that they see fit.

This situation may provide for a pleasant surprise, if a past loan that became delinquent doesn’t show up on your report. It may also provide a very unpleasant surprise, if something you thought unimportant was reported. Like maybe a non paid magazine subscription, or even worse, someone else’s delinquent account record. The only way to find out what is on your report is to see a copy for yourself!

Here are some questions and answers that will help explain what a credit report is and how to get one.

What does it mean to have good or bad credit?

Having good credit means that according to your past creditors, your record (credit report) is clean. You made payments, and paid off your past debts satisfactorily. Having bad credit is just the opposite. Your record (credit report) shows that you have not paid off your past debts as agreed. This could mean late payments, collections, non-pays etc… This information is held at the “credit bureau”, and is provided to those businesses that request it.

What is the Fair Credit Reporting Act?

The Fair Credit Reporting Act is the federal law that governs credit bureaus. The law was written to protect consumers from the obvious power that credit bureaus can have over their lives.

Do I have a right to know what my credit report says about me?

Yes, the Fair Credit Reporting Act guarantees you that right. This law also gives you the right to obtain a copy of your report for free, with a letter of denial of credit, if that denial of credit was due to information found on your credit report.

What is on my credit report?

Your credit report contains information about your credit card accounts, loans, charge accounts, and items of public record such as bankruptcies, tax liens, and judgments. It will list each account on record, who the account was with, how much was borrowed, how much was paid, and how timely the payments were made. It will also list any accounts sent to collection agencies, accounts not paid in full, and defaulted loans.

Who has access to my credit report?

According to the Fair Credit Reporting Act, anyone with a “legitimate business need”. However, in most cases the report is only provided to credit grantors, employers or prospective employers, landlords, and insurance underwriters.

Are ALL of my accounts listed on my credit report?

Probably not. Businesses have a right (but not the obligation) to report to any or all credit bureaus, at their discretion. Your previous credit grantors might have reported your credit experience to just one credit bureau, all three large credit bureaus, or they might not have reported it to any credit bureau. However, most large credit grantors report to TRW, Transunion, or Equifax.

What will it cost me to get a copy of my credit report?

You can acquire a credit report from the credit reporting agencies below for free. If you’re located in the United States and Canada, you can do this once a year. You also may obtain a free copy of your report from any credit bureau that provided information that caused you to be turned down for credit.

For complete, up to date information how to receive a copy of your credit report, you may contact the three largest credit bureaus directly at:

TRW (800) 392-1122 Trans Union (714) 738-3800 Equifax (800) 685-1111

This information is provided for informational purposes only. The author assumes No liability. You should retain professional legal or financial assistance if required.

Are you swimming in debt? If so, then visit the link below now!

Content 2008 Joe Rispoli

Guaranteed Home Business. “Are You Serious About Having The Lifestyle You Dream Of?” Then All You Need Is A Simple Step-By-Step Plan.”Get the details FREE ====> http://ucanto.com/theberrytree.html










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Equifax Credit Report – Obtaining and Monitoring Your Credit Report

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Article by Carmelo Faulkner

Equifax Credit ReportsEquifax credit report is the credit record provided by the Equifax credit reporting bureau. Consumer credit reports provide a brief but comprehensive overview of his or her credit history. A credit report, sometimes referred to as your credit history or credit file, is utilized mainly by lenders to decide whether or not they will grant you credit. Credit reports are widely used in many situations from auto loans, mortgages, and credit cards to insurance, utilities, and employment. Personal credit reports provide detailed account of the individual

Credit report

by admin

Article by James

CREDIT REPORT

Definition:-Credit report is Personal file that contains factual records of consumer’s credit activities which are used by potential lenders to evaluate your credit reliability.Credit report reflects variety of information about your credit history like your open and closed loan accounts, credit balances, history of payments etc.

Credit reports contain following information about you:

Identifying information:- Your credit report contains information that identifies you, including the following: Your name Your social security number Your current address and previous addresses Your phone number Your date of birth Your current employer and previous employers This information helps ensure that your credit report is accurate and doesn’t mistakenly include details about another person perhaps same name.Public record information:- Your credit report lists any items that may affect your credit, including:Court judgments, including child support judgments Tax liens Bankruptcies It is generally gathered from local courthouses. This information is used to determine if you have previous defaults or legal judgments against you. Information showing a critical or disrespectful attitude can generally remain on your credit report for up to seven years, except for bankruptcy information, which may be reported for 10 years.

Credit history information:- Your credit report includes your history of bill paying with lenders such as:Banks Mortgage companies Retail stores Finance companies Here negative information about your credit relationships, such as late payments or defaults, will remain on your report for up to seven years, and bankruptcy information may appear on your report for 10 years.Inquiries: – Your credit report lists the lenders and credit grantors that have requested or received your credit report. A better general rule is to have fewer inquiries on your credit report. Inquiries typically can remain on your credit report for only two years.

What is 3-in-1 Credit report?3-in-1 credit report (also called a 3 agency credit report or a 3 bureau report) provides your credit history as reported by all three Bureaus i.e. Experian credit bureau, Equifax credit bureau, and TransUnion credit bureau)3-in-1 credit report will contain: Your details of every credit card opened in your name. Your details of every loan opened in your name. Your complete breakdown of payment history. Complete information of all the companies that have reviewed your credit report. Comparison of the information on each of the credit reports from the three credit bureaus.

3-in-1 Credit report is better than single credit reportThe credit bureau companies are independent of each other and do not share any information, so the personal and financial information that is contained in one credit check agency is not the same as the personal and financial information contained in the others; therefore, By obtaining a 3-in-1 credit report, you will be aware of any information a potential lender can see concerning your financial history.Also, because up to 70 percent of credit reports contain errors of some kind, experts recommend you get a 3 bureau report to ensure all errors are captured.

James is credit Counselor who has more than 5 years experience in Debt and credit counseling,Credit settlement, credit score etc.He also writes copy for brochures.This article is aboutcredit report. It also discusses the Annual credit report.










.Net Report Generator for Feature Rich Reports

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Article by Perpetuum Software LLC

For reports that are .net based, it is recommended that the developers make use of a .net report generator. Find out how this can help you when it comes to creating your reports.

When creating reports for your business, you give value to the current performance of your company. This is why it is necessary that you are able to provide all the necessary data that is needed so that the report can be beneficial for those who are viewing it. Most experts recommend that you show your employees the present performance of your organization so that they will discern just how well they are improving or whether they need to exert more effort on the activities that they are doing. You can assign a developer that will create the reports and if you will be making a .net based report, you can definitely make use of a good .net report generator.

You can find a .net report solution nowadays especially since there are a lot of people banking on the idea that technology makes it easier for everyone when it comes to working on different matters. A .net report generator can enable the developers to create a report that is rich in features and is flexible at the same time. Most of these tools have their own report designers that enable the developers to establish reports that are stylish and well designed. They can now create reports that are from different data sources and the outcome can be utilized both in asp.net and Windows Forms. Apart from that, the .net report generator allows the user to deliver the reports that can be exported to various formats.

In order for you to use the .net report solution, it is required that you have a .net framework so that the software application will run in your computer system. If you are ready to create reports, you have full access and control when it comes to the creation, the modification and even in the printing procedure for both the file reports and the database. There is actually no need to write your own code just so you will be able to print out the data that come from your database. In most cases, the .net report generator is enough so that the users themselves will be able to come up with a report that looks professional.

Different databases are supported including (IEnumerable, IList, IListSource, ICustomTypeDescriptor ? ITypedList); ADO.NET objects; Custom objects; Integrated SQL and XML among others. Report designers can edit the visual reports so that every property of the report will come as powerful and inspected. Toolbars also aid the developers so that they will be able to view and modify various aspects whenever there is a need for them to do such activity. They can also edit and preview the reports in text mode or they can choose the graphical method. Experienced developers will benefit from the fact that they can create long lines of code for their reports. Most of the report generators take the database queries which are written through the SQL editors. This type of editor generally also has some helpful features such as code completion and syntax highlighting. You can check and alter your reports before you choose to execute them and this is an advantage offered by the .net report generator.

Preview on-line demo:http://www.perpetuumsoft.com/Demo/Rss/RssWebDemo.aspx?lang=en&pid=21

About Perpetuum Software:

The company was founded in 2002. It offers .Net software components designed for reporting, data analysis and visualization. Company headquarter is based in Russia (Barnaul) with offices in Europe (Italy) and Latin America (Brazil). It stands as Microsoft Gold Certified Partner. 3500 clients in more than 70 countries have been using Perpetuum Software products for 8 years.










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What to do about negative Bank of America credit report

by admin

Article by Ask Bill

You were in the process of applying for a loan or refinancing and you obtained your Bank of America credit report but saw a negative comment on it. You are now wondering what you should do about your Bank of America credit report and the negative comment. You checked with the bank to find out why you got a derogatory comment on your report but it could not give you a good explanation. As far as you can remember, you do not think you did anything to warrant a negative comment on the report. So what next? Below are the steps to take if you think that the negative comment should be removed so that it does not mar your credit score. You must always bear in mind that the credit report may not be an accurate measure of your finances and credit history as it only takes into account your financial situation in the most recent 60 to 90 days. If it makes you feel better, you will be glad to know that at least a quarter of the reports requested from credit reporting agencies end up in dispute and a quarter of the disputes are accurate. Also according to the Fair Credit Reporting Act (FCRA), consumer credit reporting companies are required to report accurate information and you may dispute any inaccuracy you noticed in your report. Now, the steps you could take to dispute your report are: 1. You need to obtain your free credit report either rom Equifax, Experian or TransUnion. You can get the free report once a year. You can obtain your report through the Annual Credit Report request service. You are also allowed to request for a report from each of the company. To obtain the report, you will need to provide your full name, date of birth, current address and Social Security number. However, the information required by each company varies. 2. Once you get the report, check it thoroughly for errors such as your name, social security number and your current and previous addresses. You need to ensure these information are accurate as there could be mistakes made in your report. 3. Take steps to correct the mistakes in your report by writing to the consumer credit reporting company and informing it about the error or inaccuracy. You may need to list out the information in dispute and then make a request that it is removed or corrected. The consumer reporting company will then investigate your disputes within a 30-day period. Once the consumer reporting company has completed its investigation, it may send you a letter to inform you of the results. It may also send notices to anyone who may have received your report in the past six months. So, in essence, if you had applied for a Bank of America refinance loan three months ago and it was rejected due to the mistakes in your credit history report, this may help you in your future application. 4. Finally, you may submit your dispute in writing to the creditor or other information provider. To do that, you may need copies of the documents to support your claim of inaccuracy. Bank of America has an address where you can submit your dispute. When it reports the item to a consumer reporting company, it may need to include a notice of your dispute and if it is true that the information in the report is inaccurate, then the item will be removed. Bank of America is one of the nation’s top lenders and when you try to apply for a loan, your financial report card or credit history is an important factor that the lender looks at. That’s because the lender wants to know more about your financial background and it needs to know whether you are able to repay the loan you plan to take from it. So, when you apply for a Bank of America refinancing, the information that credit reporting agencies will collect to make up your financial report card includes all your personal information, your credit accounts and reports from your creditors, a list of those who had asked for your report and public record such as foreclosures, lawsuits, liens, judgments and bankruptcies. Having a healthy, good, financial background is essential to obtain approval for loans. So if you do see any mistakes in your credit report, make a point to dispute it and have it removed.

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Understanding a Credit score Report

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Article by Susan Smitherson

Acquiring a credit report is an excellent technique to begin taking control of your financial future. It’s really useful that you simply review your credit score report yearly, not only to pay attention to your standing with creditors however to additionally maintain abreast of errors and fraud. However, once your report arrives you will have trouble making sense of it. How are you to read and perceive a credit report? There are three main credit score reporting businesses that subject credit score bureau reviews; Experian, TransUnion and Equifax. It is suggested that you simply receive reports from all three credit report companies as they most probably include various data since collectors subscribe to agencies on a purely voluntary basis. The credit reviews offered by each of the different bureaus may present considerably differently however generally speaking the knowledge shall be damaged down in much the identical way. There are 4 major parts to the credit score report: personal profile, credit historical past, public information and inquires. Check each section fastidiously for any errors. Observe any errors it’s possible you’ll uncover on a separate piece of paper as you read over your report.

Personal Profile:

At the top of the credit report one can find all your primary information reminiscent of your full identify, current and previous addresses and employers, social safety quantity, and date of birth. Your partner’s title can also seem if applicable. As well as, chances are you’ll discover several variations of your name listed. This may happen when creditors file the data incorrectly. These discrepancies are usually left in your credit score report. It is vital nonetheless, to make sure that your deal with is correct. An incorrect address might provide you with a warning to a possible identity theft.

Credit Historical past:

The following part is your credit score history. This provides you with an itemized listing of your current energetic, previous closed accounts and their balances or arrears. Listed first is the identify of the creditor and your account quantity for every invoice– generally the account numbers could appear partially obscured for safety purposes. These debts could embody actual estate mortgages, bank cards, car loans, or medical bills. There can be a column for identifying the character of the account; Joint, Individual, Undesignated, Approved Person, Terminated, Maker, Co-signer or Shared. There will even be a notation of the date when the account was opened, variety of months the account cost history has been reported and date of final activity. The report will present your high credit limit or the utmost you might be allowed to borrow, if applicable. There’s a column for Terms which indicates the variety of instalments or month-to-month payments remaining on the account.

The next few columns will present the steadiness remaining on the account, any past due amounts and the status of the accounts. There are two varieties of accounts; installment and revolving. An Installment account implies that there are mounted funds and a selected ending date, reminiscent of with an automobile loan. A revolving account is one with no fixed ending date as with bank card debts. Collectors prefer to see few revolving debts.

The credit score report will point out the several types of accounts and also might assign it a numerical ratings system. You may see such symbols as R1, R2, R3 or I1, I2, I3.The R or I signifies Revolving or Installment and the numbers point out the payment historical past of the account as follows;

zero- account hasn’t been used but 1- paid as agreed 2- 30 plus days past due three- 60 plus days late four- ninety plus days past due 5- 120 plus days overdue 7- Collection account or bankruptcy 8- Repossession or foreclosure 9- Charged off or unhealthy debt

The credit report can even present a report of any debts which have been turned over to a set agency. It will show the date the collection was reported, the name of the corporate dealing with the collections and the corporate or lender that the loan was originally issued with and the balance remaining on the account.

Public Information:

These are reviews obtained from native, state and federal courts. They will point out information of bankruptcies, tax liens and monetary judgments. Overdue baby support information might also be shown. These public information will stay a part of your credit score history for seven to 10 years and reflect negatively in your complete credit score score.

Inquiry Part:

This part reveals any events that have obtained a duplicate of your credit report over the last two years. There are typically two sorts of inquires, arduous and soft. A tough inquiry is one initiated by you, whenever you apply for a mortgage or fill out a credit score application. A smooth inquiry comes in three kinds; companies that want to give you promotional purposes for credit score, present collectors that are monitoring your account or credit score bureau inquires requested by you, the consumer. These mushy inquires don’t show up on credit stories that companies receive, only on copies offered to you. Though many lenders will view too many inquiries in your report as detrimental, it is very important notice that two or extra ‘arduous’ inquires within a 14 day interval depend as just one inquiry.

Credit score Rating:

The credit report may reveal your credit score. A credit rating scores is a means of calculating an individual’s credit score threat to find out how probably they’d be to make good on a loan. The rating is a three digit number ranging between 300 and 850. The higher your rating, the better it displays on you as a borrower. A superb credit rating rating will enable you to negotiate for higher interest rates.

Disputes:

What when you ought to discover an error on your credit score report? Upon getting discovered an error, contact the credit score bureau that issued the credit score report and state in writing what you found to be inaccurate. You will see the contact information listed on the high of your credit report. The credit score reporting companies must re-investigate the claim inside 30 days. They will then contact the social gathering that submitted the merchandise and try and resolve the dispute as shortly as possible. Bear in mind, you could have the fitting beneath the Truthful Credit Reporting Act to dispute any inaccurate or fraudulent data which will seem on your credit score report, and may accomplish that in a well timed fashion. Once you study to read and understand a credit score report, you might be moving towards a safer financial future. Obtain your report at this time!

So you see getting a free credit report might be simple and beneficial however one should always be extra cautious on this in order to reap the full benefits of the report. If you or anyone is in the market to receive a free credit report it is worth taking a look at this site that is offering a Free Credit Report they offer more tools and helpful information so feel free to visit CheckFreeCreditScore.net