Word: creditably
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...wonder innovations in pain management make news. Among the latest: a single epidural injection that delivers 48 hours of time-released morphine; a portable balloon pump that delivers a continuous supply of a local anesthetic directly to the wound site; and a transdermal patch the size of a credit card that is as effective as a patient-controlled pump but doesn't require a needle and tubes...
...Your credit report affects your financial life in ways you may not imagine. It's the linchpin that determines whether you can get a mortgage, car loan or credit card--and how much interest you'll pay. It influences whether you can get utilities, and whether you'll have to pay your provider a deposit. It even affects the rates you pay on homeowner's and auto insurance...
...often wrong. A June study by the U.S. Public Interest Research Group found that a shocking 79% of credit reports contain mistakes. What's more, in 1 out of 4 reports, the mistakes are serious enough to result in a denial of credit...
...good news: starting Dec. 1, consumers in the U.S. will be allowed to receive--for free--one credit report from each of the three major credit bureaus every 12 months, thanks to the Fair and Accurate Credit Transactions Act. It's a new benefit that should be exercised at least once a year, particularly if you're going to be applying for, say, a new mortgage. Once informed of a discrepancy, the bureaus have 45 days to fix the problem, but generally do so within 10 to 15 days...
This new entitlement will roll out gradually across the country over the next nine months, with consumers in Western states beginning first. The Midwest will go live March 1, the South June 1, and the East and U.S. Territories on Sept. 1. The three major credit bureaus--Equifax, Experian and TransUnion--have set up a toll-free phone line (877-322-8228) to handle requests, or you can send a written request to Annual Credit Report Request Service, P.O. Box 105281, Atlanta...