Free Credit Report – Credit Reports Unmasked

Typically, credit bureaus are private companies, sell your credit scores and reports for lenders to request copies of the request in the event that you for a loan. The first thing that lenders check when you submit a loan application to determine whether a loan, mortgage or a credit card is your credit score. This is because, before it is to borrow money, you decide, they want to know what kind of risk you will know.

Free Credit Report

Credit score scales are calculatedthrough a complex mathematical algorithm that factors commonly involved in the credit claims decisions. These factors include payment history, credit standing, credit available to existing or current debts, bankruptcies, if any, among others.

The most widely used credit score calculator from United States three major reporting agencies, Equifax, Experian and TransUnion, which is the Fair Isaac Corporation developed as Fico.

Fico is asignificant because it is one of the factors to obtain the assessment in the United States.
Free Credit Report

Since each of the different agencies use different rating systems for their credit ratings score, each based on different factors, it is very likely that your credit score, issued by the office is issued by the two other differently.

The cost savings of a non-FICO score are tempting to some banks and credit card companies have a precise riskAssessment on millions of accounts each year.

Lenders use your credit card score, now base their decisions on facts, not on personal feelings or factors such as gender, race, religion, nationality and marital status, thus reducing discrimination in credit approval. Lenders are not allowed to bring your score to check if you opt for a loan or a mortgage with them, but now you can also have your own guests.

If your request directly with the credit –Offices, it can participate for a small fee. Checking your credit score regularly will avoid any complications, but did not check more than once a year. If you want to buy a car or buy a country, through mortgage, it is advisable to know your credit score. If you request your credit report and score, you need the following information: name, address, Social Security number (usually only the last four digits) and date of birth. TheInformation will be used to verify your identity and protect your free credit report and score of would-be identity thieves and fraudsters.

READ MORE http://www.freecrditreport.pannipa.com/2009/10/27/credit-reports-unmasked/

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Silver Light Reports And Its Significance

Article by famous16

Silver Light Reports And Its Significance – Computers – Programming

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Due to the rapid advancement in technology, life is getting easier and easier with advanced innovations and enormous changes. Gone are the days when charts were made and presented on chart papers or graph papers manually. Today, net charts are gaining lot of importance as they are most popular server scripted programming language to display various relevant charts in magnificent ways. Among all the net reporting software available in the markets, Silver Light report has gained lot of popularity for its effective and excellent features. There are many advantages in using this software while making sure to understand the essence of Silver Light report services.

When using the Silver Light report, you are required to learn and provide the information. You need to check twice to make sure that the data that you have in your possession is accurate and precise. If this requirement is not exact, the situation can be complicated and your report might be problematic. You can do this by comparing your silver light reports with the previous reports. When you are matching silver light report control, there will be a visible range in reports and a definite pattern can be followed whether the report is simple or difficult. This is a common fact as all sites wants to show charts wherein their visitors are attracted and can learn all those things without any problem. When presenting your data you have to ensure that the data is presented in a well-designed and pleasing way that your report is attractive and noticeable. Viewers and readers should not feel disgusting by looking at still reports or presentations which are really boring.

Apart from this, applying silver light report provides the users with excellent designs to be used on the site that creates these reports. Despite the fact that you are creating a simple report you have to spend valuable time on the report. The success of creating an excellent report depends upon your knowledge and skill applied on the report. Keen attention must be given to the report and the data you have in your possession. If you have good knowledge on appropriate code language and is acquainted with Microsoft excel you will better adapt to the use of silver light report system. Silver light and Excel work well together in creating a report.

Silver Light report application is somewhat different from the rest of the other net report software that are used to create reports. The ASP net reports are similar with the Silver Light reports as they both derive from the Visual Studio or the Crystal Reports. In silver light net report the user can get a preview of his created report before the actual report is completed and loaded. It is most important that at any given time when the users are creating a report using silver light net report system, they should have an outline or procedure of their task. Silver Light net report has various excellent features like preview and zooming modes, scrolling, panning, rich data visualization, navigation through the reports via hyperlinks, interactive sorting, input of the report parameters, search options and many more.

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Creating a Reports Search Folder

Article by Lixiao

Search Folders under Configuration Manager Reports allows you to create a dynamic folder that lists reports that meet a specific set of criteria. In the previous example, we created a category for our report called Learning. For the sake of managing these reports and being able to quickly reference them, we will create a search folder that will list all reports that have the Learning category. As we move through this chapter, you will create additional reports that will also use this category.

At many companies, storing music files on your computer is against policy. Of ourse, if you dont lock down your machines, you are bound to have users with gigabytes of music scattered all over their hard drives. Wouldnt it be nice to have a report for that? In this example, we will create a report to search for all computers with more than ten MP3 files. Well be working with the v_GS_SoftwareFile view, which contains the file inventory data retrieved with the software inventory client agent.

Sometimes its nice to be able to supply information into a report without having to further modify it. Prompts in Configuration Manager Reports allow you to ask for information while running a report. This is a great way of limiting the of reports and also a great way of giving the person running the report a little flexibility. In this example, we will use the predefined report All InventoriedFiles on a Specific Computer as a starting point. When you run the report, youll see that it already provides a prompt. Were going to modify the report

In this section, we will be focusing less on the design and procedural aspects of Configuration

Manager and more on concepts and components within the product. Because our Configuration Manager infrastructure is now set up and in place, we can delve into the functionality aspects of Configuration Manager and how to manage these components. This section can be somewhat difficult because of the sheer number of components that are required to make all of this stuff work. Each component can have multiple settings that are located in different sections within Configuration Manager. Trying to find your way through the product and remembering which items are responsible for what will more than likely be tough to conquer. After time, however, configuring these items becomes easier through repetition.

Search Folders under Configuration Manager Reports allows you to create a dynamic folder that lists reports that meet a specific set of criteria. In the previous example, we created a category for our report called Learning. For the sake of managing these reports and being able to quickly reference them, we will create a search folder that will list all reports that have the Learning category. As we move through this chapter, you will create additional reports that will also use this category.

At many companies, storing music files on your computer is against policy. Of ourse, if you dont lock down your machines, you are bound to have users with gigabytes of music scattered all over their hard drives. Wouldnt it be nice to have a report for that? In this example, we will create a report to search for all computers with more than ten MP3 files. Well be working with the v_GS_SoftwareFile view, which contains the file inventory data retrieved with the software inventory client agent.

Sometimes its nice to be able to supply information into a report without having to further modify it. Prompts in Configuration Manager Reports allow you to ask for information while running a report. This is a great way of limiting the of reports and also a great way of giving the person running the report a little flexibility. In this example, we will use the predefined report All InventoriedFiles on a Specific Computer as a starting point. When you run the report, youll see that it already provides a prompt. Were going to modify the report

In this section, we will be focusing less on the design and procedural aspects of Configuration

Manager and more on concepts and components within the product. Because our Configuration Manager infrastructure is now set up and in place, we can delve into the functionality aspects of Configuration Manager and how to manage these components. This section can be somewhat difficult because of the sheer number of components that are required to make all of this stuff work. Each component can have multiple settings that are located in different sections within Configuration Manager. Trying to find your way through the product and remembering which items are responsible for what will more than likely be tough to conquer. After time, however, configuring these items becomes easier through repetition.

I am Lixiao a professional editor from China Quality Lighting, and my work is to promote a free online trade platform. http://www.chinaqualitylighting.com/ contain a great deal of information about leather trifold wallet,slim leather wallet,old friend slippers, welcome to visit!










Learn Each Shopping Behavior of Your Customer via Advanced Reports Magento extension

Article by Jack Davison

Well, if you aren’t able to do analysis of your existing activities, utilizing comprehensive as well as up-to-date reports it gets very hard for you to carry out your business efficiently & effectively. However, the recently rolled out Advanced Reports Magento extension proves to be your best & efficient reporting partner as it helps your company achieve success in today’s competitive, fast-paced market place.

With the help of this brand-new Magento extension, you cannot only get sales details more than before, but the details can also be used to better know about your business status. The Advanced Reports Magento module allows you to run reports by hours, weeks, days, countries, and further other criteria. You can also use this module to obtain complete picture of your business situation. In brief and sound, the Advanced Reports Magento extension is an ideal product that helps you in maximizing the profitability of you organization.

Benefits & Features

The Advanced Reports Magento extension enables reporting data to be exuded by: Week, Day, Quarter, Month, and Year.

The Advanced Reports extension comes with many pre-defined “reporting period” ranges, such as: Last 7 days, Last business week (Monday-Friday), Today, Yesterday, Last week (Monday-Sunday), Last month, This month, Custom date range.

For each report you are allowed to customize:

*orders selection by “Create at” or “Updated at”

*column view

*order status

Other specialized options offered by basic Advanced Reports are as follows:

*”Bestsellers” report. You can use this report to show information about the products your customers most frequently purchase over a period of time.

*”Sales by Hour” report. You can use this type of report to do analysis of the purchasing hours during your online or traditional store.

*”Sales by Day of Week” report. You can make us of this report to create a Week Day report for any week day.

*”Sales by Product” report. It allows you to compare the sales of several products for any period of time.

*”Sales by Country” report. It helps you maintain sales reports by country, which is especially critical if you’re operating on a global level.

*”Sales Report” This unit displays you the purchase date and time of products sold during a specified period.

*”Sales” report. It is an augmented Magento Sales Report that you can use to display sales data on the chart and set up the pre-defined reporting period range.

*”Users Activity” report. You can use this report to observe the activities of customers, as reviews, new accounts, orders, etc at any point of time.

*”Sales by Customer Group” report. This is one of the amazing features of this module that allows you to see sales by groupings of customer types.

*”Products by Customer” report. With this report, you can learn how many products the customers have purchased so far. This lets you to learn about your customers by majority and minority.

SynapseIndia has got an expert team of Magento professionals that can customize Magento, as per your requirements.

This article has been written by a technical writer working at SynapseIndia – a magento website development company of india offering Magento module development and Magento customization services to the worldwide clients.










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Credit Reports – How Do I Get My Credit Reports For Free?

Article by Mark Clayborne

Currently, there are three main credit bureaus, Equifax, Experian and Trans Union. You should request your credit report from all three of these agencies. Your information is also available for free from each credit bureau every 12 months. Another option for obtaining personal reports is to get a three-in-one report. With this report, you get all three of your reports merged into one. If you want a three-in-one credit report, you have to buy it or subscribe to a credit monitoring service.

A good starting point for reviewing your credit history and information is The Annual Credit Report, a service sponsored by the three leading credit bureaus and authorized by the Federal Trade Commission. By using the Annual Credit Report website, you can see all three of your reports instantly as this service is offered to you for free once a year.

How do I get my report online? You can get your credit file by logging onto Annualcreditreport.com. Once there, select “Get Your Free Credit Report” and fill out the subsequent form. You will be prompted for basic information, as well as a few questions regarding your accounts. After you have typed in the security code, you will be prompted to select a credit bureau to retrieve your credit report.

How do I get my reports by mail? Also on Annualcreditreport.com is the option to request your reports by mail. Simply click on the link titled Getting Your Credit Files By Mail” and print out the form. Aside from basic information, you will need a copy of your license and a utility bill in order to fill out the form. While completing the form, make sure to use a black or blue pen. Once finished, send the form to Annual Credit Report Request Service, P. O. Box 105281, Atlanta, GA 30348-5281.

How do I request my free reports by phone? Another option is to call the Annual Credit Report at 1-877-322-8228 and follow the automated voice prompts to order your reports. You can request one report, or all three. When you call, the automated system will ask you for personal information like your social security number, date of birth, full name, and your current and previous address. These actions are taken to prevent identity theft. Once your request is in, your reports will be mailed out to you within 15 days.

Are there other ways of obtaining my report for free? According to federal law, you are entitled to an additional free report if you experience the following:

1. If you are denied credit, insurance, or employment. (You then must request for your credit report within 60 days from being denied. Write to the credit bureaus and let them know that you were denied credit and that you would like a free credit report.)

2. You’re unemployed and plan to search for a job within 60 days.

3. If you are on welfare, or a victim of identity theft.

4. If the bank or a credit card company charges you higher rates or fees, and their decision was based on your report.

5. If there was a negative change in your credit limit or the collection agency tells you that they have reported adverse information on your credit file.

As you can see there are many ways to get your credit report for free, but you must take action to make it happen.

If you want to get the best credit ever, get approved for your dream home, car and stop collectors from harassing you on a daily basis, then it’s time to take action by signing up for you free Self Credit Repair E-Class. Click Improve My Credit Mark Clayborne is Amazon’s best-selling author of “Hidden Credit Repair Secrets” and a credit repair expert with 10 years of experience assisting consumers with credit related issues.










Free Annual Credit Reports – Strategies to Avoid Imposter Websites

Article by Nora

In a 2004 amendment to The Fair Credit Reporting Act (FCRA), a new system providing free credit reports was initiated. The amendment requires each of the three national Credit Reporting Agencies (CRAs), Equifax, TransUnion, and Experian, to provide free copies of an individual’s credit report once every 12 months. The free reports require a request to be submitted to a centralized office, in accordance with procedures defined by the Federal Trade Commission (FTC). The FTC is charged with consumer protection and ensuring compliance to the FCRA from the Credit Reporting Agencies.The amendment was undertaken as a way to help individuals access the information contained in their credit reports. Prior to the amendment, credit reporting agencies were able to charge individuals for every copy of their credit report that they requested. Only under specific circumstances, such as searching for employment, were credit reports provided free of charge. This undermined fair access for individual’s to access information about them collected by the CRAs.Understanding what information is in your credit report is important. Only then can you ensure that the information being reported about you is accurate and up to date. Your credit report impacts your life in many ways, from the ability to obtain credit to the amount of money you will pay for that credit.Fair access to such important information is critical. The unfortunate reality is that reporting mistakes do happen. Any errors or misinformation contained on a credit report can have a tremendous impact on a person’s financial wellbeing, job prospects, and housing prospects.The amendment mandated the three CRAs to implement a centralized website, toll free number, and mailing address as methods individuals may use to request their free credit reports. Although the centralized website was implemented as a way to offer consumers a quick and easy way to request their reports, it has come under severe criticism by various consumer protection groups.There are problems that plague the centralized website annualcreditreport.com. Some of these problems are related to difficulties inherent with the Internet and search engines. Others, some groups claim, are the result of poor planning and implementation on the part of the three Credit Reporting Agencies.Many of the consumer protection groups, including the Privacy Rights Clearinghouse, urge consumers who are unfamiliar with the Internet to avoid using the centralized website to order their free credit reports. They further encourage those who choose to use the website to beware of a number of potential pitfalls the internet, and the website itself, present.The first problem has to do with the Internet itself. The three Credit Reporting Agencies purchased the website address (also called a URL (uniform resource locator) or domain name) annualcreditreport.com. It is common for unscrupulous webmasters to purchase domain names similar to others, with the goal of intercepting customers or consumers who search for the genuine website. These webmasters purchase domain names very similar to the real domain, and unsuspecting consumers mistakenly believe they’ve reached the correct website. These consumers are then redirected to paying sites, have their personal information collected without their knowledge, or signed up for services they don’t want or need. In this way, unscrupulous webmasters make money.The FTC calls these websites ‘imposter’ websites.Unfortunately, consumer groups and the FTC have reported that some Credit Reporting Agencies are linked to some of these imposter websites. Recently, the FTC filed and settled a lawsuit against a subsidiary of one of the Credit Reporting Agencies. The lawsuit alleged “deceptive and misleading” claims on the subsidiary’s website. This website was advertising free credit reports, and then automatically signing up consumers to a credit monitoring system that charged a fee if not cancelled by the unsuspecting consumer. In addition, the website was collecting personal information about the consumer.The World Privacy Forum reports that over 100 domain names with close misspellings of annualcreditreport have been purchased. Many of these have been purchased by the Credit Reporting Agencies themselves. In some cases, these websites lead consumers to websites that demand payment for services, and others lead consumers to the Credit Reporting Agencies websites themselves, where they are charged for copies of their credit reports. The second of these is largely the result of the CRA’s affiliate marketing programs, whereby the CRA pays a website for a referral.The second problem with the centralized website lies in its implementation. Initially, the website was set up so that only the 3 CRAs and the FTC were able to provide a live web link to annualcreditreport.com. This prevented other legitimate websites, such as news and consumer group websites, from offering a live link on their website. In response to these concerns raised by Privacyrights.org, this situation has changed. The change is welcome, as consumer groups correctly pointed out that the initial web link block only served to make it easier for rogue websites to redirect consumers to illegitimate websites.There are two ways to find these imposter websites. One is to perform a search in any search engine, which results in a display of many websites. Clicking on anything but the genuine website can land a consumer on an imposter website. The other is by incorrectly typing the genuine website address into the address bar of a web browser. Many of these unofficial websites contain small typographical errors, designed to lure in just such a web surfer.Avoiding Imposter WebsitesMany consumer groups, including World Privacy Watch, urge consumers to avoid potential imposter sites by avoiding the internet altogether. Instead of ordering free credit reports online, use the toll free number or regular mail.The toll free telephone number is 1-877-322-8228. The mailing address is Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281. If ordering by mail, a form must be completed and can be found on the FTC’s website.Those consumers wanting to order online are urged to:1) Ensure that they are using the genuine website. The only website address is annualcreditreport.com.2) If the website you reach features a pop up, advertises itself on television or radio, or redirects you to a different site, know it is not the genuine website. Your credit card number is not required information, and you are not required to purchase or pay for any additional services. The genuine website will not send you any emails.3) Understand that you are required to provide only certain personal information, including your name, address, social security number, and date of birth. If you have had a change of address in the past 2 years, your old address may be requested. In addition, you may be asked about a personal financial detail that only you would know. This is to prevent anyone else accessing your credit report.Access to free annual credit reports is a welcome change to the laws governing credit reports and protecting consumer’s rights. Every citizen should take advantage of this free service to ensure that the information being reported about them on their credit reports is accurate and up to date. As with any other service, consumers need to be aware of the potential danger that lurks behind the scenes by imposter websites and unscrupulous webmasters.

Credit Repair

None










Top 6 Reports

Article by Jennifer Burns

If the mass media cared more about studies, it would have done a rating of the most popular reports. But since it doesn’t care, then I’m the one to tell you about successful report writing and the rules in writing a report. So, here are our top report writings.Writing a Book ReportThe style of writing a book report can be different. Three ways of report writing are: writing summaries, character analyses, and theme analyses. Writing a book report helps you practice giving your opinion about different aspects of a book, such as the author’s use of description or dialogue.Writing a Business ReportAs the business environment grows in its complexity, the importance of skillful communication and report writing becomes essential. A business report conveys information to assist in decision-making. Some people are writing business reports to solve a business problem; other people record historical information that will be useful to assist in future decision making. Either way, information is being “reported” that will be useful in making decisions.Writing a Case ReportWriting a case report is common in medicine. What do you need to do it for? Publication of case reports serves to offer new information for review by others practicing the same concept. Often, as part of your course requirements, you will need to present your instructor with a written case analysis. This may be done either individually or in a group. Anyway, writing a report is essential.Psychological Report WritingPsychological report writing is an exposition of a psychological evaluation; it includes conclusions and predictions about a specific person or persons. The report writing can be done with the help of concrete previous experiences, brainstorms and deep analysis of the psychologist or any other person, academic or not, connected somehow to the problem.Writing a Research ReportResearch report writing informs about the results of researches, field work, and other activities. Often, research report is the only concrete evidence of your research, and the quality of the research may be judged directly by the quality of the writing and how well you convey the importance of your findings. Even if you don’t consider yourself a writer, then it is still important to consider clarity and organization when you are doing your report writing.Writing Analytical ReportsThe purpose of any analytical report writing is to provide an informative description of the results of the writer’s findings. The report is not a record of the writer’s thinking process, but rather a good report writing of the results of that process. The writer is ready to write this report when he/she feels that further analysis and thought would add nothing more.As to the techniques of writing a report, they are simple. A topic is essential in successful report writing. It has to be significant. When writing a report, remember about accuracy, brevity, and clarity. Report writing must constantly strive to make his/her reader’s task as easy as the subject matter permits. One more advice on writing a report is that its structure must be followed. Make sure you have an Introduction, a Body and your Conclusion.So, whether you are writing a business report or struggling with psychological report writing, just keep these main rules in mind.

Jennifer Burns is the head of customer care center at Custom-Writing.org, essay writing service. Having completed a number of academic assignments himself, Jennifer uses her knowledge to provide individualized customer support to students, who order report writing and <a href=










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Crystal Reports Is A First Class Writing Tool

Article by Dean Forster

Crystal Reports allows you to generate business intelligence reports from various data sources. It the most advanced and popular report creating tool, which is now also available bundled with several other application software, such as, Microsoft Visual Studio. Crystal Reports allows access to any data source with native ODBC, OLE DB, and JDBC connectivity to relational, OLAP, XML, legacy, and enterprise data sources, which include Oracle, IBM DB2, Sybase, Microsoft SQL Server, and Informix. The latest version of the tool, Crystal Reports XI, provides you with the updated data driver features for XML, JDBC, IBM DB2, and Exchange, letting you have the incredible data access options.

Crystal Reports was originally developed by Crystal Reports Inc. The company produced the versions from 1.0 through to 3.0. Seagate Software consequently acquired Crystal Reports, and renamed it Crystal Decisions, and produced versions 4.0 through to 9.0. In December 2003, Crystal Reports was acquired by Business Objects, and so far have produced versions 10.0 and XI. Version XI is presently in its second release.

Crystal Reports provides you with presentation quality reports, and saves you time in designing and distributing the reports. The powerful report writer produces “what you see is what you get” business decision reports that can provide your company with instant decision making capability, there-by providing you with increased profitability. You can generate quick custom reports, with great looks. The features allow you to easily create the looks of your report presentation documents. You can select your favourite type face, font size, and text colour, and enhance the layout by applying lines, choosing borders and shades. You can provide further enhancement by choosing embedded pictures, diagrams, and logos. Crystal Reports allows you to use tables, cross-tabulations, or one of the many graph styles, which could be used to communicate your business information. The drill-down feature allows you to get to the sections of the detailed report. Just by clicking the report objects, the tool provides you with a series of linked information which has led to the initial information.

Crystal Reports provide unparalleled flexibility in report creation. It provides you with step-by-step process with the help of expert wizards, which guides you in creating the report. You could also find a “Private Tutor” incorporated in the report writer, and this provides you with online help as you proceed. Your finished reports could be run at any pre-determined time, without any attendance. Even you could schedule the run based on time and dates, taking into consideration business holidays. You can find out more about crystal reports at http://www.crystalreportsprofessional.com

Crystal Report allows you to embed sub-reports within your main report, which would mean that, you can embed a customer sales account history report in a sales highlight report. Building special conditions would let you print the sections of the report to produce different report information print-outs from the same report. Crystal Reports allows you to format your reports, by which you may provide summary information in a single cell, instead of using column formats, there-by making it easy to read the report. The report writer provides you with more control over your report design, letting you customise your report.

With more than more than 35 data drivers, and with the flexibility that it offers, Crystal Reports is one of the best report writing tools in the world.

Article by Dean Forster at http://www.crystalreportsprofessional.com. Find out more about all aspects of crystal reports at Crystal Reports










Payment Reporting Builds Credit: Supplement Negative Credit Reports

Article by Lisa Phillips

Having negative credit can affect your entire life. Not only are banks, lenders and credit card issuers pulling your credit file, employers are now using credit history as a determinant in hiring. It is getting harder to escape the consequences of having bad credit. Not everyone with bad credit is late paying all of their financial obligations. You may be timely with your rent, utility, cable, cell phone, child support and even daycare obligations. Now you have an alternative way to prove your creditworthiness. Payment Reporting Builds Credit (“PRBC”) is a national consumer reporting agency and credit bureau which collects, stores and reports bill payment information.

Payment Reporting Builds Credit (“PRBC”)

Since 2002, PRBC has been collecting, storing, scoring and reporting data for consumers and small businesses in accordance with Fair Credit Reporting Act. PRBC gives the consumer and small business owner a way to build a credit file and demonstrate creditworthiness that is different from the traditional credit reporting agencies. Payment Reporting Builds Credit produces a PRBC credit report and bill payment score based upon your payment history with non-reporting rent and recurring bills which are not traditionally reported to Experian, Equifax and Transunion credit reporting agencies. A PRBC credit report can show you have paid your bills on time. They maintain your bill payment history in your file for up to seven years and this information will only be shared with your permission.

Types of information contained in PRBC credit report

The information contained in a PRBC Report include rent, utility, cable, telephone, insurance, cell phone, loans from friends and family members, child support and even daycare provider payments.

How it works

Consumers or small business owners sign-up for enrollment and once enrolled, you will be able to document positive payment history in a PRBC credit file by reporting your payments for these types of bills. You will be able to view your report for free at any time. When applying for credit you can request the credit issuer pull your PRBC report and the credit issuer will pay a fee to PRBC to view your report. Not all credit issuers will agree to pull your PRBC report.

How much does it cost to create a PRBC report

While there is no fee for creating a PRBC credit file, there is a fee to the consumer for PRBC to verify the timely payments you report to your file. Credit issuers requesting your PRBC credit file also pay a fee to view your file. If you choose to use one of PRBC’s online bill payment partners, you can request your payments be reported to PRBC automatically as you pay your bills and no verification fee will be charged.

The cost for verification of your credit file

There is a six (6) month minimum payment history requirement in order to have your payments verified. After the six-month payment history requirement has ended, the cost of verification will vary depending on the type of information you request verified. For instance, rent payment history verification may be $ 20.00 while utility payment verification may be $ 15.00. You can request package deals for verifications which include cable, phone and electric bills.

Who views PRBC credit files?

Upon your consent PRBC sells credit reports to lenders, banks, employers and other companies when you apply for housing, a mortgage loan, credit, insurance, or employment. PRBC does not sell your information to telemarketers or other marketing firms. Unlike the three major credit bureaus, you can view your PRBC report as often as you like, free of charge. You maintain control over who will view your PRBC report.

Not all credit issuers, lenders and employers accept PRBC reports. You will have to inquire and request this type of report supplement your traditional credit information. Recently, Fannie Mae and Freddie Mac began accepting PRBC Credit Reports for underwriting purposes. A PRBC credit report may be an excellent way to increase your chances of getting approved with good rates when you apply for credit. For more information on Payment Reporting Builds Credit visit their website at http://www.prbc.com

For tips on improving your credit score visit: Rebuild Credit Scores

Lisa Phillips is a marketing consultant specializing in business expansion and development. Because many small business owners lack the personal and business credit necessary to grow and expand, she has developed a free website to aid consumers as well as entrepreneurs in rebuilding and taking control of their credit. www.rebuildcreditscores.com










How Crystal Reports Offline Viewer Works

Article by Sanjesh Reddy

Crystal Reports Offline Viewer is a desktop client application that allows a crystalreports.com user to view Crystal Reports files while disconnected or offline. To view a report file offline, without the presence of an Internet connection, use the export button while viewing a report on crystalreports.com, and then save the.rpt file on your local hard drive. The report can then be accessed by opening Crystal Reports Viewer and browsing to the report.

Every Crystal Reports Offline Viewer is connected to a crystalreports.com account by the Administrator and is able to view specific reports and dashboards they are authorized to access. But keep in mind that a Crystal Reports Offline Viewer is not able to publish reports. A Crystal Reports Offline Viewer is only allowed to view the reports uploaded by the Administrator.

Crystal Reports Offline Viewers are separated into two categories: Members and Guests. Adding Members is the standard recommended way of sharing reports and other documents with new users. Members can only view a single crystalreports.com account and can be promoted to Administrator status. Guests are a limited user-type distinction used in special cases where a new user does not need to follow standard account membership rules. Guests have the option of viewing multiple crystalreports.com accounts, but cannot be promoted to Administrator status by an account Administrator.

Once you start creating Crystal Reports and begin to sharing them with your user community, it can be expected that not all of them will have copies of Crystal Reports themselves nor will they be licensed on any of the enterprise (or web) Crystal Reports distribution systems. If the current budget doesn’t allow for securing any of those licenses, there is still a viable method to share your Crystal Reports – that is with the free offline Crystal Reports Viewer. The free Crystal Reports Offline Viewer is a free standalone.rpt file viewer that allows users to open, explore and view reports straight from their desktop when working both off and online. They can generate customized views of the data without the need of a report designer or report engine. Report sharing is also possible via email or with crystalreports.com as discussed above.

The offline viewer is available for free download for registered users of crystalreports.com or directly from the Business Objects web site at the following link: http://businessobjects.com/products/reporting/crystalreports/viewer/en/register.asp. By distributing this viewer to your user community, they will be able to view reports that you have created, interact with them, print them, email them and/or export them into different formats. Figure 17.14 highlights the Crystal Reports Viewer with one of the Chapter 8 sample reports.

Crystal Reports Offline Viewer has a freeware version with the ability to save reports in PDF format. The viewer can also display photo images. A microfiche is a 4 by 5 inch (10.2 by 15.2 cm) piece of photographic film. There are certain security problems related to the web version of crystal reports. The installation file can be considered as light since it’s only 40MB.

Sanjesh G. Reddy writes for http://www.reportviewers.com and is knowledgeable in many software and hardware packages. He has also written for other websites, including http://www.recovasset.com.










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