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Some financial advisors suggest that you periodically review your credit report for inaccuracies or omissions. This could be especially important if you're considering making a major purchase, such as buying a home. Checking in advance on the accuracy of information in your credit file could speed the credit-granting process. Getting Your Credit Report If you've been denied credit, insurance, or employment because of information supplied by a CRA, the FCRA says the company you applied to must give you the CRA's name, address, and telephone number.
If you contact the agency for a copy of your report within 60 days of receiving a denial notice, the report is free. In addition, you're entitled to one free copy of your report a year if you certify in writing that (1) you're unemployed and plan to look for a job within 60 days, (2) you're on welfare, or (3) your report is inaccurate because of fraud. Otherwise, a CRA may charge you up to $9.00 for a copy of your report. If you simply want a copy of your report, call the CRAs listed in the Yellow Pages under "credit" or "credit rating and reporting."
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Data Backup Is The Best Data Protection
The 3 Steps To A Successful Backup System .Every small business has data that needs to be protected, such as customer records, marketing plans and accounting ledgers. Much of this data is computerized, which one would think would make the archiving and backup of business data easier. But for many businesses, data protection is very much a hit or miss affair, done sometimes or not at all.
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Before You Buy Backup Software
Backup software can simplify the task of backing up your data by automating the backup process. But like any other software, some backup software programs have more features than others. Here's what to look for (and what to avoid) when you're buying backup software...more |
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