Fort Wayne LISTINGS

Now it’s easy to get straight answers and more resources

What is a credit file disclosure?
A credit file disclosure provides you with all of the information in your credit file maintained by a consumer reporting company that could be provided by the consumer reporting company in a consumer report about you to a third party, such as a lender. A credit file disclosure also includes a record of everyone who has received a consumer report about you from the consumer reporting company within a certain period of time (“inquiries”).

The credit file disclosure includes certain information that is not included in a consumer report about you to a third party, such as the inquiries of companies for pre-approved offers of credit or insurance and account reviews, and any medical account information which is suppressed for third party users of consumer reports. You are entitled to receive a disclosure copy of your credit file from a consumer reporting company under Federal law and the laws of various states.

How often can I request a free credit file disclosure?
You are entitled to receive one free credit file disclosure every 12 months from each of the nationwide consumer credit reporting companies – Equifax, Experian and TransUnion. This free credit file can be requested through this website, by phone or by mail.

How else can I request my free annual credit file disclosure?
If free credit reports are available in your state through the Annual Credit Report Request Service, you can request a free annual credit report by phone or mail and it will be mailed within 15 days. However, you can receive a report immediately by using this secure website. Click on this link to find information on how to request a free annual credit report by phone or mail.

Should I order all my credit file disclosures at one time or space them out?
You are entitled to receive one free credit file disclosure every 12 months from each of the nationwide consumer credit reporting companies through the Central Source. It is entirely your choice whether you order all three credit file disclosures at the same time or order one now and others later. The advantage of ordering all three at the same time is that you can compare them. (However, you will not be eligible for another free credit file disclosure from the Central Source for 12 months.)

On the other hand, the advantage of ordering one now and others later (for example, one credit file disclosure every four months) is that you can keep track of any changes or new information that may appear on your credit file disclosure.

Remember, you are entitled to receive one free credit file disclosure through the Central Source every 12 months from each of the nationwide consumer credit reporting companies – Equifax, Experian and TransUnion – so if you order from only one company today you can still order from the other two companies at a later date.

What is a credit score?
A credit score is a complex mathematical model that evaluates many types of information in a credit file. A credit score is used by a lender to help determine whether a person qualifies for a particular credit card, loan, or service. Most credit scores estimate the risk a company incurs by lending a person money or providing them with a service – specifically, the likelihood that the person will make payments on time in the next two to three years. Generally, the higher the score, the less risk the person represents.

How can I get my credit score?
You can purchase a credit score by contacting one of the nationwide consumer credit reporting companies.
Equifax – www.equifax.com
Experian – www.experian.com
TransUnion – www.transunion.com
You can also contact us to request your free credit report.

What about companies that claim they can improve my credit report for a fee?
The Federal Trade Commission (FTC) cautions consumers to be wary of companies that make claims regarding credit repair. These companies, commonly called credit clinics, don’t do anything for consumers that consumers cannot do for themselves at little or no cost. Beware of any organization that offers to create a new identity and credit file for you.

The FTC and state attorneys general have filed actions against those who pursue these fraudulent practices. Here are some warning signs that the FTC and others say
consumers should look out for to determine if they might be dealing with a credit clinic:

An organization that guarantees to remove late payments, bankruptcies, or similar information from a credit report

An organization that charges a lot of money to repair credit. A company that asks the consumer to write to the credit reporting company and repeatedly seek verification of the same credit account information in the file, month after month, even though the information has been determined to be correct

An organization that is reluctant to give out their address or one that pushes you to make a decision immediately

For a helpful brochure about credit clinics, you can write to the Federal Trade Commission, Sixth and Pennsylvania Avenues, N.W., Washington, D.C. 20004 and request a brochure titled “Credit Repair: Self Help May Be Best.”

Am I entitled to a free credit report under state law?
In addition to consumers who are eligible for a free credit file disclosure through the Annual Credit Report Request Service; consumers in some states are eligible for a free credit file disclosure under state law. The following states have laws that make free credit reports available to consumers: Colorado, Georgia, Maine, Maryland, Massachusetts, New Jersey and Vermont.

How do I contact the Federal Trade Commission (FTC)?
Federal Trade Commission
Consumer Response Center
Room 130
600 Pennsylvania Avenue, N.W.
Washington, D.C. 20580
www.ftc.gov/credit

State Bar Associations
DISTRICT OF COLUMBIA
District of Columbia Bar
1250 H Street, NW, 6th Floor
Washington, DC 20005
(202) 737-4700

Bar Association of the District
of Columbia
1819 H Street, NW, 12th floor
Washington, DC 20006-3690
(202) 223-6600

FLORIDA
The Florida Bar
The Florida Bar Center
650 Apalachee Parkway
Tallahassee, FL 32399-2300
(904) 561-5600

GEORGIA
State Bar of Georgia
800 The Hurt Building
50 Hurt Plaza
Atlanta, GA 30303
(404) 527-8700

HAWAII
Hawaii State Bar Association
1136 Union Mall
Penthouse 1
Honolulu, HI 96813
(808) 537-1868
http://www.hsba.org

IDAHO
Idaho State Bar
PO Box 895
Boise, ID 83701
(208) 334-4500

ILLINOIS
Illinois State Bar Association
424 South Second Street
Springfield, IL 62701
(217) 525-1760

INDIANA
Indiana State Bar Association
230 East Ohio Street
Indianapolis, IN 46204
(317) 639-5465

IOWA
Iowa State Bar Association
521 East Locust
Des Moines, IA 50309
(515) 243-3179
http://www.iowabar.org

KANSAS
Kansas Bar Association
1200 Harrison Street
Topeka, KS 66601
(913) 234-5696
https://ink.kansas.gov/

KENTUCKY
Kentucky Bar Association
514 West Main Street
Frankfort, KY 40601-1883
(502) 564-3795
http://www.kybar.org

LOUISIANA
Louisiana State Bar Association
601 St. Charles Avenue
New Orleans, LA 70130
(504) 566-1600

MAINE
Maine State Bar Association
124 State Street
PO Box 788
Augusta, ME 04330
(207) 622-7523
http://www.mainebar.org

MARYLAND
Maryland State Bar Association
520 West Fayette Street
Baltimore, MD 21201
(410) 685-7878

MASSACHUSETTS
Massachusetts Bar Association
20 West Street
Boston, MA 02111
(617) 542-3602
(617) 542-9103 (lawyer referral service)

MICHIGAN
State Bar of Michigan
306 Townsend Street
Lansing, MI 48933-2083
(517) 372-9030

MINNESOTA
Minnesota State Bar Association
514 Nicollet Mall
Minneapolis, MN 55402
(612) 333-1183

MISSISSIPPI
The Mississippi Bar
643 No. State Street
Jackson, Mississippi 39202
(601) 948-4471

MISSOURI
The Missouri Bar
P.O. Box 119, 326 Monroe
Jefferson City, Missouri 65102
(314) 635-4128
http://www.mobar.org

MONTANA
State Bar of Montana
46 North Main
PO Box 577
Helena, MT 59624
(406) 442-7660

NEBRASKA
Nebraska State Bar Association
635 South 14th Street, 2nd floor
Lincoln, NE 68508
(402) 475-7091

NEVADA
State Bar of Nevada
201 Las Vegas Blvd.
Las Vegas, NV 89101
(702) 382-2200

NEW HAMPSHIRE
New Hampshire Bar Association
112 Pleasant Street
Concord, NH 03301
(603) 224-6942

NEW JERSEY
New Jersey State Bar Association
One Constitution Square
New Brunswuck, NJ 08901-1500
(908) 249-5000

NEW MEXICO
State Bar of New Mexico
121 Tijeras Street N.E.
Albuquerque, NM 87102
mailing address:
PO Box 25883 Albuquerque, NM 87125
(505) 843-6132

NEW YORK
New York State Bar Association
One Elk Street
Albany, NY 12207
(518) 463-3200
http://www.nysba.org

NORTH CAROLINA
North Carolina State Bar
208 Fayetteville Street Mall
Raleigh, NC 27601
mailing address:
PO Box 25908
Raleigh, NC 27611
(919) 828-4620

North Carolina Bar Association
1312 Annapolis Drive
Raleigh, NC 27608
mailing address:
PO Box 12806
Raleigh, NC 27605
(919) 828-0561

NORTH DAKOTA
State Bar Association of North Dakota
515 1/2 East Broadway, suite 101
Bismarck, ND 58501
mailing address:
PO Box 2136
Bismarck, ND 58502
(701) 255-1404

OHIO
Ohio State Bar Association
1700 Lake Shore Drive
Columbus, OH 43204
mailing address:
PO Box 16562
Columbus, OH 43216-6562
(614) 487-2050

OKLAHOMA
Oklahoma Bar Association
1901 North Lincoln
Oklahoma City, OK 73105
(405) 524-2365

OREGON
Oregon State Bar
5200 S.W. Meadows Road
PO Box 1689
Lake Oswego, OR 97035-0889
(503) 620-0222

PENNSYLVANIA
Pennsylvannia Bar Association
100 South Street
PO Box 186
Harrisburg, PA 17108
(717) 238-6715
Pennsylvania Bar Institute
http://www.pbi.org

PUERTO RICO
Puerto Rico Bar Association
PO Box 1900
San Juan, Puerto Rico 00903
(809) 721-3358

RHODE ISLAND
Rhode Island Bar Association
115 Cedar Street
Providence, RI 02903
(401) 421-5740

SOUTH CAROLINA
South Carolina Bar
950 Taylor Street
PO Box 608
Columbia, SC 29202
(803) 799-6653
http://www.scbar.org

SOUTH DAKOTA
State Bar of South Dakota
222 East Capitol
Pierre, SD 57501
(605) 224-7554

TENNESSEE
Tennessee Bar Assn
3622 West End Avenue
Nashville, TN 37205
(615) 383-7421
http://www.tba.org

TEXAS
State Bar of Texas
1414 Colorado
PO Box 12487
Austin, TX 78711
(512) 463-1463

UTAH
Utah State Bar
645 South 200 East, Suite 310
Salt Lake City, UT 84111
(801) 531-9077

VERMONT
Vermont Bar Association
PO Box 100
Montpelier, VT 05601
(802) 223-2020

VIRGINIA
Virginia State Bar
707 East Main Street, suite 1500
Richmond, VA 23219-0501
(804) 775-0500

Virginia Bar Association
701 East Franklin St., Suite 1120
Richmond, VA 23219
(804) 644-0041

VIRGIN ISLANDS
Virgin Islands Bar Association
P.O. Box 4108
Christiansted, Virgin Islands 00822
(809) 778-7497

WASHINGTON
Washington State Bar Association
500 Westin Street
2001 Sixth Avenue
Seattle, WA 98121-2599
(206) 727-8200
http://www.wsba.org

WEST VIRGINIA
West Virginia State Bar
2006 Kanawha Blvd. East
Charleston, WV 25311
(304) 558-2456

West Virginia Bar Association
904 Security Building
100 Capitol Street
Charleston, WV 25301
(304) 342-1474

WISCONSIN
State Bar of Wisconsin
402 West Wilson Street
Madison, WI 53703
(608) 257-3838
https://www.wisbar.org/

WYOMING
Wyoming State Bar
500 Randall Avenue
Cheyenne, WY 82001
PO Box 109
Cheyenne, WY 82003
(307) 632-9061

We hope this information has been helpful. And we will be more than happy to assist you further is your specific housing needs, whatever they may be. As you can tell we are devoted to helping you achieve you ultimate housing goals.

We currently have over the best creative home buying program available (so much so that the government is granting us a trademark)

So we can fit your needs please contact us at 260-436-5000 Ext. 222 to set up your FREE No-Obligation consultation where we will meet to tailor a home to fit your needs and comfort levels for monthly payment and investment.

P.S. If you would like to get started now you can fill out our easy online application and we will contact you to schedule a free consultation to help you get the home of your dreams with the best terms available… regardless of your credit!

For a list of great homes on contract and the time to build equity and credit click here

And now for the legal speech; this EZhomebuyer information does not constitute the rendering of legal advice or services. This information is intended for informational use only and is not a substitute for legal advice. State laws vary, so consult an attorney on all legal matters. This program was not prepared by a person licensed to practice law in this state and is not intended to be rendering of legal or tax advice in anyway whatsoever.