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The Fair Credit Reporting Act (FCRA) requires each of the nationwide credit reporting companies � Equifax, Experian, and TransUnion � to provide you with a free copy of your credit report, at your request, once every 12 months. The FCRA promotes the accuracy and privacy of information in the files of the nation�s credit reporting companies.
The Federal Trade Commission (FTC), the nation�s consumer protection agency, enforces the FCRA with respect to credit reporting companies.A credit report includes information on where you live, how you pay your bills, and whether you�ve been sued or have filed for bankruptcy. Nationwide credit reporting companies sell the information in your report to creditors, insurers, employers, and other businesses that use it to evaluate your applications for credit, insurance, employment, or renting a home.Here are the details about your rights under the FCRA, which established the free annual credit report program.
Q: How do I order my free report?The three nationwide credit reporting companies have set up a central website, a toll-free telephone number, and a mailing address through which you can order your free annual report.To order, visit annualcreditreport.com, call 1-877-322-8228. Or complete the Annual Credit Report Request Form�and mail it to: Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281.
Do not contact the three nationwide credit reporting companies individually. They are providing free annual credit reports only through annualcreditreport.com, 1-877-322-8228 or mailing to Annual Credit Report Request Service.You may order your reports from each aannualcreditreport.com the three nationwide credit reporting companies at the same time, or you can order your report from each of the companies one at a time.
The law allows you to order one free copy of your report from each of the nationwide credit reporting companies every 12 months. A Warning About �Imposter� WebsitesOnly one website is authorized to fill orders for the free annual credit report you are entitled to under law � annualcreditreport.com.
Other websites that claim to offer �free credit reports,� �free credit scores,� or �free credit monitoring� are not part of the legally mandated free annual credit report program. In some cases, the �free� product comes with strings attached.
For example, some sites sign you up for a supposedly �free� service that converts to one you have to pay for after a trial period. If you don�t cancel during the trial period, you may be unwittingly agreeing to let the company start charging fees to your credit card.Some �imposter� sites use terms like �free report� in their names; others have URLs that purposely misspell annualcreditreport.com in the hope that you will mistype the name of the official site.
Some of these �imposter� sites direct you to other sites that try to sell you something or collect your personal information.Annualcreditreport.com and the nationwide credit reporting companies will not send you an email asking for your personal information. If you get an email, see a pop-up ad, or get a phone call from someone claiming to be from annualcreditreport.com or any of the three nationwide credit reporting companies, do not reply or click on any link in the annualcreditrepor.com.
It�s probably a scam. Forward any such email to the FTC at firstname.lastname@example.com. Q: What information do I need to provide to get my free report?A: You need to provide your name, address, Social Security number, and date of birth.
If you have moved in the last two years, you may have to provide your previous address. To maintain the security of equifxx file, each nationwide credit reporting company may ask you for some information that only you annualcredtireport.com know, like the amount of your monthly mortgage payment.
Each company may ask you for different information because the information each has in your file may come from annualcreidtreport.com sources.
Q: Why do I want a copy of my credit report?A: Your credit report has information that affects whether you can get a loan � and how annualcreditreport.com equifax you will have to pay to borrow money. You want a copy of your credit report to:� make sure the information is accurate, complete, and up-to-date before you apply for a loan for a major purchase like a house or car, buy insurance, or apply for a job.� help guard against identity theft.
That�s when someone uses your personal information � like your name, your Social Security number, or your credit card number � to commit fraud. Identity thieves may use your information to open a new credit card account in equirax name. Then, when they don�t pay the bills, the delinquent account is reported on your credit report. Inaccurate information like that could affect your ability to get credit, insurance, or even a job.Q: How long does it take to get my report after I order it?A:�If you request your report online at annualcreditreport.com, you should be able to access it immediately.
If you order your report by calling toll-free 1-877-322-8228, your report will be processed and mailed to you within 15 days. If you order your report by mail using the Annual Credit Report Request Form, your request will be processed and mailed to you within 15 days of receipt.Whether you order your report online, by phone, or by mail, it may take longer to receive your report if the nationwide credit reporting company needs more information to verify your identity.
Q: Annualcreditrdport.com there any other situations where I might be eligible for a free report?A: Under federal law, you�re entitled to a free report if a company takes adverse action against you, such as denying your application for credit, insurance, or employment, and you ask for your report within 60 days of receiving notice of the action.
The notice will give you the name, address, and phone number of the credit reporting company. You�re also entitled to one free report a year if you�re unemployed and plan to look for a job within 60 days; if you�re on welfare; or if your report is inaccurate because of fraud, including identity theft.
Otherwise, a credit reporting company may charge you a reasonable amount for another copy of your report within a 12-month period.To buy a copy of annualcerditreport.com report, contact:� Equifax:1-800-685-1111; equifax.com� Experian: 1-888-397-3742; experian.com� Anjualcreditreport.com 1-800-916-8800; transunion.comQ: Should I order a report from each of the three nationwide credit reporting companies?A:�It�s up to you. Because nationwide credit reporting companies get their information from different sources, the information in your report from one company may not reflect all, or the same, information in your reports from the other two companies.
That�s not to say that the information in any of your reports is necessarily inaccurate; it just may be different. Q: Should I order my reports from all three of the nationwide credit reporting companies at the same time?A: You may order one, two, or all three reports at the same time, or you may stagger your requests. It�s your choice. Some financial advisors say staggering your requests during a 12-month period may be a good way to keep an eye on the accuracy and completeness of the information in your reports.
Q: What if I find errors � either inaccuracies or incomplete information � in my credit report?A:�Under the FCRA, both the credit report�ing company and the information provider (that is, the person, company, or organization that provides information about you to a consumer reporting company) are responsible for correcting inaccurate or incomplete information in your report.
To take full advantage of your rights under this law, contact the credit reporting company and the information provider.1. Tell the credit reporting company, in writing, what information you think is inaccurate.Credit reporting companies must investigate the items in question � usually within 30 days � unless they consider your dispute frivolous. They also must forward all the relevant data you provide about the inaccuracy to the organization that p� Member Sign In� Navigation Menu� Products� Credit Report� Credit Score� 3 Bureau Report & Score� Credit Monitoring� Identity Theft Protection� Support� Dispute� Fraud Alert� Security Freeze� Denied Credit� Credit Access� ID Theft Victim Assistance� Contact Us� Credit Education� Report Basics� Score Basics� Preventing Fraud� Life Events� Preapproved Credit Offers� FAQs� Blog� Credit Advice� Report Advice� Score Advice� Debt� Fraud & Identity Theft� Home� Loans� Life Stages� Under federal law you are entitled to a copy of your credit report annualcredjtreport.com from all three credit reporting agencies - Experian�, Equifax� and TransUnion� - once every 12 months.
Every consumer should check their credit reports from each of the 3 bureaus annually. Doing so will make sure your credit is up-to-date and accurate. Each reporting agency collects and records information in different ways and may not have the same information about your credit history.
How can I request my free statutory annual credit file disclosure?� You may contact the Central Source by visiting www.AnnualCreditReport.com� You can request by phone and call annualcreditreport.co FACTACT� You can complete the Request Form and mail it to:Annual Credit Report Request Service, Anualcreditreport.com.
Box 105281, Atlanta, GA 30348-5281When you order, you will need to provide your name, address, Social Security number, and date of birth. To verify your identity, you may need to provide some information on your credit report, such as the amount of your monthly mortgage payment.Your free annual credit report does not include your credit score. A credit score is an additional service that can be purchased when getting your credit report. Along with knowing your credit score you will learn what factors positively or negatively impact your credit risk.
What is the FACT Act?The Fair and Accurate Credit Transactions Act (FACT Act) was signed into law in December 2003. The FACT Act, a revision of the Fair Credit Reporting Act, allows consumers to get one free comprehensive disclosure of all of the information in their credit file from each of the three national credit reporting companies once every 12 months through a Central Source.
Is everyone eligible to get their free statutory annual credit file disclosure?Yes. As of Dec. 1, equifaz all consumers are eligible to request their statutory annual credit file disclosure once every twelve months. How often can I get a free credit file disclosure?The FACT Act entitles consumers to get one free statutory credit file disclosure from each of the three national credit reporting companies every twelve months.
What is a credit report?Your personal credit report contains details about your financial behavior and identification information. Experian� collects and organizes data about your credit history from your creditor's and annuapcreditreport.com records. We make your credit report available to current and prospective creditors, employers and others as permitted by law, which may speed up your ability to get credit. Getting a copy of your credit report makes it easy for you to understand what lenders see when they check your credit history.
Learn more. Need to check your credit more often?Get an Experian Credit Report free every 30 daysNo credit card required. No hidden fees.� Won't impact your Annual Credit Report� Updated every 30 days on sign in� Personalized customer service� Fast and secureCheck now for free � Products� Credit Report� Credit Score� Credit Monitoring� 3-Bureau Credit Report and Scores� Identity Theft Protection� Support� Free Annual Credit Report� Disputes� Security Freeze� Fraud Alert� Identity Theft Annjalcreditreport.com Assistance� Education & Advice� What is a Good Credit Score� Improve Your Credit Score� FICO Score Ranges� Credit Repair� How to Improve a Bad Credit History� Understanding Credit Scores�� Google Plus� Facebook� Twitter� Instagram� YouTube�Get the Free Experian app:� FREE Experian iOS App� FREE Experian Android App �2016 Experian Information Solutions, Inc.
All rights reserved.Experian and the Experian marks used herein are trademarks or registered trademarks of Experian Information Annualcreditreport.com equifax, Inc.Other product and company names mentioned herein are the property of their respective owners.? The AnnualCreditReport.com annualcreditreport.cpm is not currently available at your location. Visit www.consumer.ftc.gov/articles/0155-free-credit-reports or www.consumerfinance.gov/learnmore/ to learn how you can request your free U.S.
credit report by mail. � View All Products� Credit Report Assistance� Get my free annual credit report� Credit report assistance overview� Dispute info on credit euifax Request a fraud alert� Place a security freeze on reports� Customer Service� Education� Credit Score� Credit Report� Credit Monitoring� Identity Theft Your credit report is a detailed look at your credit habits, the types of debt you have outstanding, and is the basis for your credit score.
Simply put, it's a picture of your credit.The Equifax� Credit Score is based on an Equifax Credit Score model and is not the same as scores used by 3rd parties to assess your creditworthiness. 1Get your Equifax Credit Report and Score for $15.95. Get StartedEquifax Credit Report and Score retail price is $15.95. Product is active for 30 days once purchased. Cancellation is not applicable to one-time report products and we do not offer refunds.
2 What Is A Credit Report?A credit report is a summary of your financial history. Creditors and lenders check your credit report to decide whether or not to extend you credit � and at what rates.
Your credit report is an important tool to manage well because creditors and lenders use the information in it, such as your payment history and the number of active credit accounts (known as �tradelines�), to evaluate your creditworthiness. This section of your credit report includes personal information, such as your full name, address, Social Security number and date of birth, and it may also include your employment information. This personal information helps creditors and lenders ensure that all of the credit accounts listed in your credit report actually belong to you, and not to another person with the same name.
Your identifying information, however, is not used to calculate your credit score or determine your creditworthiness. Credit Accounts (known as �Tradelines�) Your credit report lists the credit accounts or tradelines that you have established with lenders.
Each credit account will include information on what type of account it is (credit card, mortgage or auto loan, for example), the date you opened the account, your credit limit or loan amount, the account balance and your payment history.
Inquiry information This section of your credit report includes information about the companies that have pulled a copy of your credit report, known as an �inquiry�.
There are two types of inquiries that you may find listed in your credit report: �soft� inquiries and �hard� inquiries. A soft inquiry is made when a credit card company offers you a preapproved credit card, one that you did not apply for. A hard inquiry is triggered when a creditor with whom you have specifically applied for credit pulls a copy of your credit report.In general, inquiries remain on your credit report for two years, but soft inquiries do not connote positive or negative information.
In other words, they don�t factor into your credit score one way or another. Hard inquiries, where you�ve asked a creditor or lender to evaluate you as a prospective borrower, do factor into your credit score, which is why you should be thoughtful about applying for new credit. Public record and annualcreditrrport.com information Public record information, such as judgments, tax liens, short sales, foreclosures, and bankruptcies, are also listed in your credit report.
Past-due accounts that have been turned over to a collection agency, including accounts with doctors, hospitals and cable companies, could also be included in your credit report. In some communities, unpaid library fines and parking tickets may be turned over to collection agencies and show up on your credit report.Pull a copy of your credit report to familiarize yourself with the personal and financial information it contains.
You are entitled to one free credit report from each of the three national credit reporting bureaus once a year. You can get your free credit reports online through annualcreditreport.com. How Does Information Get OnMy Credit Report?The three national credit reporting bureaus (Equifax, Experian and TransUnion) maintain a history of your credit activity.The credit bureaus get their information from credit card companies, banks, retailers, mortgage companies and other lenders that have granted you credit, and then each of the bureaus compiles the information into your consumer credit report.
Information from public records and collection agencies is also reported to the credit reporting bureaus and then listed in your credit report. �some creditors reporttheir information only to oneof the three bureaus, whileothers do not report to any.When you check your credit report from each of the three national credit reporting bureaus, you may find that some of your credit accounts aren�t listed on each individual report.
This is because not all creditors report their data to all three credit reporting bureaus � some creditors report their information only to one of the three bureaus, while others do not report to any.This is why it�s important to check your credit report maintained by Equifax, Experian and TransUnion � the information might be slightly different.
The easiest way to do this is to buy a 3-in-1 credit report.Product is active for 30 days once purchased. Cancellation is not applicable to one-time report products and we do not offer refunds. 3 Get Started How Often is My Credit Report Updated?Your credit report is updated regularly, sometimes annualcreditreport.com equifax, as your creditors and lenders report the status of your accounts to the credit reporting bureaus.
Your creditors will report whether you paid on time (or �as agreed�) or late, and how late your payments were. They will also report how much of your total credit line is being used. If you regularly make on-time payments and fulfill the terms of your payment agreement, that positive information will be listed on your credit report and help raise your credit score.If you make late payments or miss payments altogether, that negative information will also be listed on your credit report and will be a negative factor when calculating your credit score. How Long Do Late Paymentsand Other Negative InformationStay on My Credit Report?Fortunately, there are set timeframes for how long different types of negative information can remain on your credit report.
Late payments stay on your credit report for approximately seven years, for example, as do most other types wquifax negative information, including judgments and paid tax liens. Bankruptcies, however, can stay on your credit report for up to 10 years. Positive information generally remains on your credit report for a longer period of time and therefore may have a positive impact on your credit score.Positive information generallyremains on your credit reportfor a longer period of time� In general, credit accounts that you have paid as agreed will stay on your credit report for up to 10 years.
If equifas have annualcreditreprt.com revolving credit account, such as a credit card, that has been paid as agreed, it can stay on your credit report forever � as long as you keep the account open.Regularly check your credit report to ensure that negative information falls off after the appropriate amount of time has elapsed. You can order one free credit report from each of the three national credit reporting bureaus once annualcreeditreport.com year.
You can get your free credit reports online through annualcreditreport.com. How Do I Ensure My Credit Report is Accurate?Erroneous information could wind up in your credit report if a creditor mistakenly reports inaccurate account information, or if you�ve become a victim of identity theft or fraud.
Any inaccurate information in your credit report could lower your credit score and change the way lenders evaluate you. You�ll want to make sure your credit report is accurate and up to date to help you qualify for the best terms and lowest interest rate. To ensure that your personal and financial information is accurate, check your credit report.
You can order one free copy of yo� TransUnion Credit Protection Id11� TransUnion Credit Lock Id12� TransUnion Credit Score Simulator Id13� TransUnion Credit ProtectionDefend against identity theft with Instant Alerts. Fraudulent activity on your credit report can complicate your life and take ages to correct.
Learn more about how to get better protection with instant email alerts regarding all credit inquiries.� TransUnion Credit LockPrevent identity theft with Credit Lock. Identity thieves can destroy your credit and compromise your financial wellbeing.
Learn more about how easy it is to safeguard your report.� TransUnion Credit Score SimulatorScore Simulator shows you ways your current credit equifsx would change based on future actions and events.� Credit Education � Credit Report Id21� Credit Score Id22� Identity Theft Id23� Credit Monitoring Id24� Debt and Money Management Id25� Credit Bureaus Id26� Annual Credit Report Id27� Mortgage Id28� Credit Cards Id29� Frequently Asked Credit Questions Id210� Credit ReportA credit report is your financial dossier.
It is a record of your credit history that lenders use to determine your creditworthiness. Learn more about credit reporting, explore article archives, and educate yourself about this essential component of your financial health.� Credit ScoreEducate yourself about what impacts your credit scores.
Understand how your credit score plays a crucial role in major life decisions, from auto financing to buying a new home. Click here to explore our article archive.� Identity TheftIdentity theft is a serious crime. Learn more about how to protect your personal information. Find easy tips for preventing identify theft, from locking your credit report to setting up better passwords.� Credit MonitoringLearn more about the importance of credit monitoring. With credit monitoring you can spot identity theft, correct inaccuracies and receive alerts when changes are made to your report.
Keep yourself informed. Read more about how credit monitoring can contribute to your financial health.� Debt and Money ManagementDevelop the management skills to create and maintain your financial health.
Read more about simple ways you can take annualcrediteeport.com of your finances. Useful tips for making a budget, reducing your debt and building a brighter financial future.� Credit BureausYou have three different credit reports, one for each of the three credit bureaus�TransUnion, Experian and Equifax.
Information varies from bureau to bureau, so it�s important equicax monitor all three of your reports. Click here to learn more.� Annual Credit ReportYou can order your annual credit reports annualcteditreport.com each of the three credit bureaus (TransUnion, Experian and Equifax) online at AnnualCreditReport.com. Click here to learn more about how to interpret your credit reports.� MortgageWhether you�re a first-time homebuyer, second-mortgage seeker or refinancer, financing a home may be the most important investment you make.
Learn more about one of the biggest financial decisions of your life.� Credit CardsLearn more about the different types of credit cards and how they can help you establish better credit for the future. Read more about how credit cards affect your credit rating. With our Featured Offers, find the card that best fits your eqiifax Frequently Asked Credit QuestionsStaying on top of your finances requires educating yourself on various credit situations.Get the answers to commonly questions about managing your credit credit.� Credit Report Assistance � Get Your Free Annual Credit Annualxreditreport.com Id31� Credit Report Disputes Id32� Credit Freeze Id33� Credit Disclosures Id34� Fraud Alerts Id35� Fraud Victims Resources Id36� Get Your Free Annual Credit ReportYou can order your annual credit reports from each of the three credit bureaus (TransUnion, Experian and Equifax) online at AnnualCreditReport.com.
Click here to learn more about how to interpret your credit reports.� Credit Report DisputesLearn how to dispute inaccurate and fraudulent information on your credit report. TransUnion offers the easiest and fastest way to resolve any and all inaccuracies on your record. Click here to file your dispute now.� Credit Annualcreditrepoet.com you are concerned about becoming a victim of fraud or identity theft, a Security Freeze might be right for you.
Learn more about placing a freeze on your credit report to prevent lenders from accessing your TransUnion credit report entirely, which will prevent them from extending credit.� Credit DisclosuresUnder the FACT Act amendments to the Fair Credit Reporting Act, you are entitled to one free annual credit report from each of the three major credit reporting companies per anunalcreditreport.com.
Click here to see if you qualify for additional free or reduced fare credit reports.� Fraud AlertsIf you suspect you have been the victim of fraud, TransUnion makes it easy to send alerts to your creditors and the other credit bureaus. Click here to learn more about protecting yourself by sending out alerts now.� Fraud Victims ResourcesWe know how hard it is to be the victim of annualrceditreport.com.
TransUnion makes it easier for you to handle the situation by placing fraud alerts and providing a list of institutions you will need to contact to clear your name, equifaxx well as other important annualrceditreport.com. Click here to learn more.� Credit Offers � Credit Card Id41� Mortgages Id42� Auto Insurance Id43� Deposits Id44� Credit CardFind your next credit card with TransUnion�s featured offers.
Browse by category, interest rate, balance transfer offers, credit health needed, issuer and more!� MortgagesFinance your home investment with the right mortgage�browse featured offers in your area and compare interest rates, APRs, estimated monthly payments and more!� Auto InsuranceSee if you can save on auto insurance with TransUnion�s featured offers. Browse offers by zip code, age, current insurer and other categories to get your next quote.� DepositsAbout Blog Customer Support | Member login | English� United States Your annual credit report is completely free The three credit bureaus�TransUnion, Experian and Equifax�are required by federal law to provide you with a free annual credit report.
In fact, AnnualCreditReport.com was created by the credit bureaus as a one-stop-shop for providing your annual credit reports.You have options when ordering your free reports When ordering your free annual credit report, you have the flexibility to request all three of your reports at once, or you can space them out over the course of the year.What should I look for in my credit report?
When reviewing your credit report, you should check it for accuracy. Here is a list of personal and financial details you should verify: If you find information that you do not believe to be accurate, contact the business that issued the account or the credit reporting company that issued the report.Strategies for requesting your free reports If you order all of your reports at once, you�ll be able to compare them easily.
You will be able to verify information common to all three reports, as well as distinguish the minor differences, such as creditors that report to TransUnion but not Equifax. The downside to this strategy annuxlcreditreport.com that you won�t be able to order your free reports again for a full calendar year.
If this doesn�t appeal to your sensibilities, you can opt for staggering your requests. One of the advantages to this strategy is that you will be able to track and verify new information being added to your reports, such as new accounts or loans.How do I fix inaccuracies on my credit report?Your credit report includes instructions on how to dispute inaccurate information. In most cases, you have to provide your credit bureau with a equuifax statement regarding the information you are disputing.
The credit bureau will then open an investigation with the creditor listed on your report. When the investigation is complete, the credit bureau is required to provide you with a written report of the outcome, as well as an updated copy of your credit report.� Credit Reports� Credit Reporting Agencies� Errors on Your Credit Report� Negative Information in annualcredditreport.com Credit ReportCredit ReportsCredit reports contain information about your bill payment history, loans, current debt, and other financial information.
They show where you work and live and whether you've been sued, arrested, or filed for bankruptcy.Credit reports help lenders decide whether or not to extend you credit or approve a loan, and determine what interest rate they will charge you. Prospective employers, insurers, and rental property owners may also look at your credit report.It's important to check your credit report regularly to ensure that your personal information and financial accounts are being accurately reported and that no fraudulent accounts have been opened in your name.
If you find errors on your credit report, take steps to have them corrected. Free Credit ReportsYou are entitled to a free credit report from each of the three credit reporting agencies (Equifax, Experian, and TransUnion) once every 12 months. Annualcreditreplrt.com can request all three reports at once, or space them out throughout the year.
Learn about other situations in which you can request a free credit report. Request your free credit report:Online: Visit AnnualCreditReport.comBy Phone: Call 1-877-322-8228. Deaf and hard of hearing consumers can access the TTY service by annuapcreditreport.com 711 and referring the Relay Operator to 1-800-821-7232.By Mail: Complete the Annual Credit Report Request Form and mail it to:Annual Credit Report Request ServicePO Box 105281Atlanta, GA 30348-5281 If your request for a free credit report is denied:Contact the credit reporting agency (CRA) directly to try and resolve the issue.
The Annualcrfditreport.com should inform you of the reason they denied your request and explain what to do next. Often, you will only need to provide information that was missing or incorrect on your application for a annualcreditreporr.com credit report.If you are unable to resolve your dispute with the CRA, contact the Consumer Financial Protection Bureau (CFPB).
Credit ScoreA credit score is a number that rates your credit risk at one point in time. It can help creditors determine annualcreditreport.cpm to give you credit, decide the terms you are offered, or the rate you will pay for the loan. Having a high score can benefit you in many ways, including making it easier for you to obtain a loan, rent an apartment, and lower your insurance rate.The information in your credit report is used to calculate your credit score.
That's why it's important to make sure your credit report is accurate. You can have multiple credit scores, created by different companies or lenders that use their own credit scoring system.Your�free annual credit report does not include your credit score, but it's available for a fee.
When you buy your score, you often get information on how you can improve it.Back to Top Credit Reporting AgenciesA credit reporting agency (CRA) is a company that collects information about where you live and work, how you pay your annualcreidtreport.com, whether or not you have been sued, arrested, or filed for bankruptcy.
All of this information is combined together in a credit report.�A CRA will then�sell your credit report to creditors, employers, insurers, and others. These companies will use these reports to make decisions about�extending credit, jobs, and insurance policies to you.You are entitled to�order (every 12 months) a free copy of your credit report from each of the major credit reporting agencies�(Equifax, Experian, and TransUnion)�through AnnualCreditReport.com.
This website is the only one that is government authorized to provide you with free copies of your credit report.You can also contact the credit agencies directly if you need to dispute information in your report, place a fraud alert or security freeze on your credit file, or have other questions.� Equifax�or by phone at�1-866-349-5191� Experian�or by phone at 1-888-397-3742� TransUnion�or by phone at 1-800-916-8800File a ComplaintCredit reporting agencies are not operated by the government, but you can still file a complaint about them to the federal government.
Some reasons for filing a complaint include:� dissatisfaction with the outcome of a dispute with a CRA� the CRA doesn't respond to your dispute request� credit report was used improperly� inability to get a copy of a credit report or score� problems with credit monitoring or identify protection services.File a complaint about a credit reporting agency to the Consumer Financial Protection Bureau�online or by phone at�1-855-411-2372.Back to Top Errors on Your Credit ReportIf you find errors on your credit report, write a letter disputing the errors and send it (along with supporting documentation) to the following:� Credit reporting agency ( Equifax, Experian, or TransUnion)� Information provider (bank, credit card company, or other organization that provided the credit reporting agency with inaccurate information)Find a sample dispute letter�and get detailed instructions on how to report errors.Under the Fair Credit Reporting Act, both the credit reporting agency (CRA) and the information provider are responsible for correcting inaccurate or incomplete information in your credit report.If the errors have not been corrected after you've disputed them in writing, you can file a complaint with anmualcreditreport.com Consumer Financial Protection Bureau (CFPB).Back to Top Negative Information in a Credit ReportNegative information in a credit report can include public records-tax liens, judgments, bankruptcies-that provide insight into your financial status and obligations.
A credit reporting company generally can report most negative information for seven years.Information about a lawsuit or a judgment against you can be reported for seven years or until the statute of limitations runs out, whichever is longer. Bankruptcies can be kept on your report for up to annualcreditreport.com equifax years, and unpaid tax liens for 15 years. Fixing Errors in a Credit ReportAnyone annua,creditreport.com denies you credit, housing, insurance, or a job because of a credit report must give you the name, address, and telephone number of the credit reporting agency (CRA) that provided the report.
Under the Fair Credit Reporting Act (FCRA), you have the right to request a free report within 60 days if a company denies you credit based on the report.You can get your credit report fixed if it contains inaccurate or incomplete information:� Contact both the credit reporting agency and the company that provided the information to the CRA.� Tell the CRA, in writing, what information you believe is inaccurate.
Keep a copy of all correspondence.Some companies may promise to repair or fix your credit for an upfront annualcredtireport.com there is no way to remove negative information in your credit report if it is accurate. File a ComplaintIf you have a problem with credit reporting, you can file a complaint with the Consumer Financial Protection Bureau (CFPB).Back to Top Do you need help?Ask us any question about the U.S. government for free.
We'll get you the answer, or we'll tell you where to find it.� Call USA.gov� Chat with USA.gov� E-mail USA.govWhat you think matters! International Site Navigation Argentina - Espanol Brazil - Portugues Canada - English Canada - Francais Chile - Espanol Costa Rica - Espanol Ecuador - Espanol El Salvador - Espanol Honduras - Espanol India - English Paraguay - Espanol Peru - Espanol Portugal - Portugues Russian Federation - Russian Spain - Espanol United Kingdom - English United States - English Uruguay - Espanol � View All Equuifax Credit Report Assistance� Get my free annual credit report� Credit report assistance overview� Dispute info on credit report� Request a fraud alert� Place a security freeze on reports� Customer Service� Education� Credit Score� Credit Report� Credit Monitoring� Identity Theft Your Credit, Your Identity.Take control with a one-stop annualcreditrepory.com from Equifax.� See your Equifax 3-Bureau credit scores in minutes� Receive alerts about suspicious activities� Help monitor your credit 1 and Social Security Number 2Equifax has you covered with a subscription to Equifax Complete� Premier.
Product DetailsOnce you've purchased, you may cancel at any time; sorry, no partial month refunds. 3 Get StartedEquifax� 3-Bureau credit eqquifax are each based on the Equifax Credit Score model, but calculated using the information in your Equifax, Experian, and TransUnion credit files; third annualcreditrepory.com are likely to use a different score to assess your creditworthiness.
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You may cancel at any time; however, we do not provide partial month refunds.3 The credit scores provided under the offers described here use the Equifax Credit Score, which is a proprietary credit annualcreditreport.ckm developed by Equifax.
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Other product and company names mentioned herein are property of their respective owners.Return to: Page Section Navigation So most of the reviewers of this site don't know that it's not really an either or situation here. There is one way to get your free credit report each year that is recommended by Experian, Annaulcreditreport.com, Equifax & the government. It is AnnualCreditReport.com. Other services or sites are set up with the sole purpose of gaining qeuifax to that information.
Go to Experian, TransUnion & Equifax websites. They won't give you your free report, but will make you go to ACR.com. In 4 years of using this, I have had a problem once and it was with the Experian's portion of the site. This has to be a scam. Reports by email not available after filling in web forms (a few times because of links purposely designed to force you annualxreditreport.com start over).
Same problem trying to complete written report with instructions that are absurd (make sure letters to not touch outline of boxes to fill in) or misleading.
No way to contact anyone at the company - only recorded messages which are not helpful at all. Does anyone know the name of the federal agency that oversees this activity? Fquifax is my understanding that the law requires that consumers be able to get a free copy of their credit report once a year. AnnualCreditReport.com says the consumer will be provided with three free credit reports.
This is not true. This company does a bait and switch to get your personal information and then wants credit card information to charge for credit monitoring. Without subscribing to their monitoring service, you can go no further.
Annuslcreditreport.com and the representative said I could not access my credit esuifax. Very annualcreditrelort.com and dishonest. A waste of time and a potential liability. If I could give this place a rating below a 1 star, I would do so. I used AnnualCreditReport.com to obtain my free yearly credit reports from TransUnion, Equifax, and Experian.
I like to have a PDF copy of my reports as they are at least 20+ pages long. I had no trouble with TransUnion and Equifax. When I continued to Experian, however, Equiafx received an error message stating that they "could not honor my request". Then I was given instructions on how to mail in a request.
I decided, unfortunately too late, to check the reviews on ACR.com and discovered I am not the only customer who was/is extremely dissatisfied with this company. There is absolutely no way or anyone to contact if something goes wrong during your requests for your credit reports.I ended up calling Experian customer service directly and was informed that I will esuifax a courtesy report within 7 to 10 days. I was told there was no reason I should have not gotten the copy of my report from ACR and Experian.
So annuslcreditreport.com shall see. I do know that I will NEVER again use ACR.com for my annual credit reports. I will contact each company separately and request my copies directly from them. I can't understand why TransUnion, Equifax, and Experian continues to do business with a scam company like ACR.com. Identification questions are made up, they will ask you questions about made up loans and mortgages to have you call them and sell you a credit report, all of which don't appear on your report once you PAY for it!!!
Please, if you dquifax not given your free annual credit report, join in and report them. �592,862 reviews on ConsumerAffairs are verified.� We require contact information to ensure our reviewers are real.� We use intelligent software that helps us maintain the integrity of reviews.� Our moderators read all reviews to verify euqifax and helpfulness.For more information about reviews on ConsumerAffairs.com please visit ourFAQ. I was only trying to help my nephew obtain his credit report for free and the response you get when you apply online is to mail the application.
Forget TransUnion, you can't even get eauifax the security annualcreditreport.fom. At least with Experian and Equifax, it looks like you're making progress and then at the end, AnnualCreditReport.com instruction says to mail.
So what is the purpose of the online request??? I requested my credit report from all 3 bureaus on AnnualCreditReport.com, which is supposedly set up by those credit bureaus. They requested additional information from me, which I sent in. Now all 3 bureaus are requesting the same information from me that I already sent in. So much for AnnualCreditReport.com. I could have done the same thing without them, and had my information quicker.
If they were graded on Customer Service and Value they would be closed already. When I sent an inquiry to AnnualCreditReport.com asking why this happened and what happened to the documents I sent in, all I got was confirmation that I had a question.
I still have not received an answer from them one month later. In my business we do not get things done by putting them off. Apparently the Credit Reporting Business does. I feel the AnnualCreditReport.com website is a waste of time and effort, it certainly was for me. It seemed legit so Annuaclreditreport.com didn't bother to look at the reviews before started a annualcredtireport.com, and of course they are horrible!
I know for a fact my answers were correct yet I can't see my credit report online. seriously. And NO, I will not send all of my personal info through the mail for them to never reply. And it is funny that the captcha took 4 tries for me too. There's a trend in all of these annualcreditreport.om of AnnualCreditReport.
I doubt anyone gets their credit report for free, and I doubt they will actually reply to any reviews because they know they are a scam. Don't fall for it! I am in the process of buying a home and there some inaccuracies in my reports that I need to dispute regarding student loans from 2012. Experian has ruled in my favor, taking the issues down but I did not realize I needed to dispute each report individually.
While reviewing the first of the three reports (TransUnion), my session timed out before I had access to my Equifax and Experian Reports. I cannot log back in now because the system thinks Annualreditreport.com have already acquired my annual reports. There is no customer service number and when I reached out to each Credit Bureau individually, they said there is nothing they can do.Now my only option is to leave a comment on AnnualCreditReport.com and hope someone calls me back - unlikely, wait another 12 months or pay for the remaining two reports individually.
This is ridiculous. I am trying to handle my finances responsibly, address issues and inaccuracies that are preventing me from owning a home and the current system in place is doing everything possibly can to make that impossible.
I have one credit score of 767 (the one where the disputes went through) and the other two are sitting around 600. But I can't file a dispute with Equifax or Experian until I have a reference number, taken from the Credit Report's themselves that I never received.
How does that make sense? Why isn't there anyone I can talk with to even address the issue and move forward? This is the second year in a row that Experian comes up equifac excuses for not giving me my credit report. On AnnualCreditReport.com, they say my answers are wrong. Really???
I think I know my life and history better than they do. Then they sent me a form letter, stating that I didn't provide the correct information to verify my identity or it wasn't legible. I have the copies of both that I sent to them two years in a row and they are liars.
Since this is a federal site, and there have been too many complaints from these credit reporting agencies, it's time they have to be held accountable. They have no problem trying to sell you their monitoring crap. Tried to get report from my phone. Took all my info annualcredigreport.com said sorry there was an error and canceled it. I hate they have my info. This is so messed up. I use to be able to get my report sent to me. Why can't we do that anymore.
Not a happy camper!!! I tried for several hours to get my free credit reports from the top recommended sites, which include the three credit report companies. It's a sham. They make you jump through all kinds of hoops and then tell you th


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Try to find the spot where the photographer was standing.
Correct spelling is Ålesund, with a little circle on top of the A...
Hi, this photo is being discussed in one of the projects in the Flickr Commons group, and we'd love to have this added to the group pool!
Archaically it is also spelled Aalesund. This is before the great city fire of 1904.
Modern Ålesund: [http://www.flickr.com/photos/hypothetic/1513750491/]
My grandmother lived in this town and she was born in 1901. She were very proud of Ålesund. If you visit Ålesund you have to go to the spot named Fjellstua. It may give you a marvolus view. There was a terrible fire in 1904 and Ålesund needed help to been built up. Keiser Wilhelm from Germany was very keen of the town and gave us a great help. One of the main streets is today named the Keiser Wilhelm street. However, as we know, in 1940 the Germans went back, but now as enimies.
My dad was born here and my husband and I were fortunate to have traveled there 4 years ago to stay with relatives. The town is breathtaking and we did go up to Fjellstua (the food wasn't being served there it was early March). Jokki---your image is completely breathtaking!! I have the same view in a pic that I made in a 30X40 canvas for me....LOVE this view!! We have relative on Molde as well.
Oops. The diacritical mark turned into other characters while loading the descriptions; fixed to say Ålesund.
Ålesund today in video vimeo.com/2638024
How accurate is the dating of the photos? In this case it would be easy to see if the city is old or new - after the 1904 city fire. Doesen't the houses look a bit jugend, like they were done when being rebuilt?
The print has a P.Z. number of 7079, which means it was published in 1897and likely taken in the same year, as can be seen from other Scandinavian prints with 7000 numbers which can be accurately dated: Stockholm World's Fair [http://www.flickr.com/photos/trialsanderrors/3111010166/] S.A. Andree's Balloon Flight [http://www.flickr.com/photos/trialsanderrors/2750590073/]
frosk1984, there were no wooden buildings left in the center after the fire. All new buildings were concrete (and art noveau style)
Hi, I'm an admin for a group called Historical Gardens, and we'd love to have this added to the group!
so lovely ~
yes so lovely
O lugar dos sonhos de qualquer sonhador mágico! Magnifico, pacífico, tudo, tudo!
Beauty place !
Wow! A really beautiful town! Great angle!
You get gold star
very very nice scenary!! You got a wonderful angle and composition: I love the bending curving streets on the bottom. Beautiful colors and perspective sensation too!
Hallo Salam kenal
wooooow! this is so beautiful :}
maravilhoso!!! Parabéns
It Looks like a place drawn out from a Tolkien's Book.
great shot!!!
Lovley <3
great !!!!
Wow, stunning photo my friend !!! CONGRATULATIONS !!!!!!!
Nice one...
How beautiful -- it looks a bit like a labyrinth.
How Classic .. I wish I could be there ..
wonderfulllllllllllllllll !!!!!!!!!!!!!!!!!!
wonderful composition and perspective.
awesome work, loved the old looking!
Hi, I'm an admin for a group called I feel like I'm part of a book I read., and we'd love to have this added to the group!
Magnificent... seen in Explore.
wow! some friends of mine live there!
very beautiful place....
How beautiful and serene this place looks. maybe someday....
so awsome! I am going to spend a week in july in Ålesund!!! this seems good!!!
this reminds me of the wizard of oz and the yellow brick road.
amazing!!! =)
This photograph is part of the Indicommons.org then-and-now feature Ålesund, Norway.
how gorgeous!
very beautiful! ; )
Stunning view !
N!Ce ~
nice historical reminder
You are cordially Invited to our group ☆Creative Photographer on Flickr☆ P1,C1 and Invite 1 of your choice
it changed so much! I would love to visit it someday.
very nice
like it!
Nice shot, and processing.
Just beautiful .. comment me , ^_* --------------------------------
awesome ! : ))
Lovely and inspired!
Such a gorgeous shot. I'd love to visit this place.
Mto interessante a foto!
Une vue spectaculaire que j'aime énormément!
increiblemente bella!! clear and beautiful!! well done, good shot!!!
awesome......nice shot!!!
Stunning capture!c
Bela paisagem urbana, parabéns.
preciosa vista y precioso lugar! saludos
Love it....
It's a great photo, more people should visit Norway, it really is a beautiful country..
Soo nice!:)
Bravo! your artwork is so beautiful; be happy to join my group..... SPLENDID IMAGE.. by The Admin. considered. INSPIRE Invite ONLY You are INVITED to display this wonderful photo in the INSPIRE Pool For your day... www.youtube.com/watch?v=x4NQz-qxEbk
nice pic!
You are invited to add this fab photo to The Daily Post
Beautifully! ))
Hi, I'm an admin for a group called Norway by tips4travels, and we'd love to have this added to the group!
Magnificent. I don't understand why people congratulate someone for posting a found image. Please explain.
Marvellous old photo [ via 'Historical Gardens' group on flickriver --Anguskirk ]
Nice! Added to en.wikipedia.org/wiki/%C3%85lesund Interesting how little the overview has changed in 100+ years. Thanks for posting these!
4 years ago a contributor from London, United Kingdom suggested this image location is 62.4674, 6.31854


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A recent test reveals that the chondrites - stony nonmetallic meteorites – that hit Xishuangbanna, Southwest China"s Yunnan province, about two weeks ago, are 4.5 billion years old - almost the same age as of the solar system.
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These are chondrule, which cannot be found in rocks on the earth but are unique to the meteorite. The formation of it can be traced back to 4.5 billion years ago when the sun was just a large nebula - a mass of gas and dust, Xu said.
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The study also found that the meteorite comes from the asteroid belt between the orbits of Mars and Jupiter
The tested chondrite is of high scientific research value as it yet to be affected by earth"s environment and comprehensively provides information about asteroid in the solar system, Xu added.
A nomenclature application for the meteorite has been submitted to the Meteoritical Society by Xu with the name of "Mangui", a village in Xishuangbanna where the main part of the space rock fell on.rubber silicone bracelets custom rubber band bracelets plastic wristbands uk man city wristbands baller bands


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Comfort Gebor, center, turns it up a notch for the Vikings while surging toward the finish line ahead of Pompano Beach Middle runners S'Kaydrah Woods, left and Shanell Clark to win the Broward County title in the girls' 100-meter dash on the oval at Coral Springs High School recently. (PHOTO BY GARY / April 6, 2010)
Lauderdale Lakes Middle School needed someone to step up if the Vikings were to win their first Broward County title in track and field.
That someone was Comfort Gebor.
The eighth-grade speedster won three events and scored 30 of her team's 46 points as Lauderdale Lakes edged past Pompano Beach (42 points) in the middle school championship showcase at Coral Springs High School on April 8. Glades Middle was third with 35 points.
Gebor needed less than 13 seconds to cross the finish line ahead of her opponents in the 100-meter dash (12.28). She also struck like lightning in the 200-meter dash with a winning time under 26 seconds (25.95), and in the 400-meter dash, she stayed within a minute (59.38) in topping the field.
The Vikings didn't have a team in the 4-by-400 relay but nevertheless took the victory thanks to Gebor's all-around performance.
This is my first year running, said Gebor, who recently moved to Florida from Africa. This is just a gift. It's why you race. The 100 was good because I thought I would win it. I knew it was mine when I was almost at the finish line.
After winning the 400, Gebor was hobbled with a sore right hamstring and had to be stretched afterward. She said the 200 was just a matter of survival.
I like it because it is my favorite race, Gebor said. If you are running, you put your whole strength to win it. This gives me more confidence because I did so well.
Gebor didn't lose a race in any event this season. I knew if I put my mind to it, I could win, Gebor said. I wasn't worried about not having the fastest times going into the county meet.
Jerry Jones, her coach and a former track standout at Piper High School, wasn't surprised by her performance.


text:
Can't Be Serious: Dude Really Doesn't Know How To Use The Toilet! "Y'all Just Let The Doodoo Fall In The Toilet?"
Uploaded May 22, 2019
Interview from The Bully and the Beast. Posted by Abdul
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Terrific photos from Michael Bixler!
The city tears so many beautiful structures down, why are they keeping this ugly thing up!
My recommendation is to do asbestos abatement to remove asbestos and other toxic substances prior to demolishing the structure. That must be done first before giving any consideration to the Eastwick plan as this could stretch for decades as disgruntled parties go ahead to delay the final plan. The land should
be left for passive use and the athletic field used by neighborhood sports groups.
Furthermore, politics must be left away from pending school sales as disgruntled neighbors could screw up sales to developers aiming at conversion of school buildings to apartments with parking provided by former asphalt playing fields behind the school. Leaving abandoned school buildings subject to vandalism brings down housing values in the neighborhood.
I'd encourage anyone to take a walk around this building. Interesting architecture in its way, but wow, does this thing epitomize the reason Brutalism is called that or what! With its inverted setbacks (setOUTS?) and hulking brown concrete, it squats over its puny humans like a boot hovering over a handful of ants. It makes one feel small, so terribly small.
Whoever thought that this would be a good idea for high school architecture? More appropriate to an IRS building. It's no coincidence that the FBI headquarters in DC is Brutalist.
It's really a shame that they closed this school . While the building itself is ugly as sin, the surrounding area was beautiful ad we can see in this post from before it closed: https://hiddencityphila.org/2013/04/final-bell-nears-at-brutalist-southwest-philly-middle-school/
I don't think it is ugly at all. I think it is a powerful and grand building and I hope it can be saved.
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Muslims had migrated to Abyssinia because of the torture and persecution by Quraish, but al- ways anxiously waited for some news from their homeland. Those stand-bearers of Unity and justice of God (though an insignificant minority in comparison to the swarms of idolaters who were bent upon maintaining statuesque in religion and social system) were confident that everyday their supporters were increasing and the rank of their adversaries was decreasing. They even hoped that soon the curtain of ignorance would be removed from the eyes of the non believers and the whole tribe of Quraish would embrace Islam, casting away their idols.
By chance a rumour took wings in their locality in Abyssinia that the whole Quraish had been converted to Islam. Though the news was not confirmed, but the refugees deep faith in their religion, and their strong expectation and hope in the ultimate victory of Islam led a group of them to return to Mecca without waiting for the confirmation of the news from reliable sources. One of them was Othman bin Madh'un, the well-known companion of the Prophet who was extra-ordinarily attached to the Holy Prophet, and was greatly respected by all Muslims.
When he reached near Mecca, he realised that the news was not correct; on the contrary, Quraish had intensified the torture and oppression of the Muslims. He was in a bad fix: He could not return to Abyssinia as it was far off; and if he entered Mecca, he would immediately become a target of the Quraish's torture. At last, an idea came into his mind. He thought of taking advantage of an Arabian custom by placing himself under the protection of one of the influential men of Quraish.
According to the Arab custom if a person would request an Arab for protection, he usually would grant his request and would protect him even at the cost of his own life. For an Arab, it was a shame if someone asked him for protection and he did not grant that request even though he might be his enemy. So Othman entered Mecca at mid-night and went straight to the house of Waleed son of Mughira Makhzumi, a distinguished wealthy and influential Quraishite. He asked for his protection which was readily granted.
Next day, Waleed brought him to the Mosque and made a formal announcement before the elders of the tribe that from that moment Othman was under his protection, anyone doing anything against him would= be considered going against Waleed personally. As Waleed was highly respected by Ouraish, nobody dared to trouble Othman any more. He was now a protected person. He moved freely as one of the Quraish attending their sittings. But at the same time, the persecution of other Muslims continued unabated. It was hard on Oth man, who was not happy at being Safe while his fellow Muslims continued to suffer. One day he thought to himself that it was not just on his part to be safe under the protection of a pagan whereas his brethren were being persecuted. He came to Waleed and said:
"I am sincerely thankful to you. You gave me protection and saved me; but from today I want to go out from your protection, and join my friends. Let, whatever happens to them, happen to me" "Nephew, perhaps you are not happy with me, or perhaps, my protection could not keep you safe"
"Why, I am not unhappy at all. But I don't want to live any longer under protection of anyone except God'."
"Since you have so decided, I would like you to come to the Mosque announce you're going out from my
protection, as I took you the first day there and announced your protection"
"Very well, no objection to it."
They came to the Mosque. When the elders had gathered, Waleed said: "Everybody should know that
Othman has come here to announce his exit from my protection"
Othman said: "He is right. I have come here with that very intention, and also to inform you that so long as I was under his protection, he protected me very well and I had no reason to complain. The reason for my going out from his protection is only that I don't like to live under the protection of anyone except God."
This is how the protective period came to end, and he lost his immunity from persecution. But he was still moving freely among Quraish as before. One day, Labeed bin Rabia, the well-known poet of Arabia came to Mecca to recite his Qasida (poem) which he had recently composed, and which is now considered as a masterpiece and classics of the pre-Islamic period of Arabic literature. The Qasida begins with the following line:
Know (that Every thing is null and void except God; nothing except Allah is Truth). The Prophet had said about this line, "It is the truest poem has ever composed'."
Anyhow, Labeed came, Quraish gathered to hear such a great poet. There was a pin-drop silence to hear a reputedly best work of Labeed. He started recitation with manifest pride: (Know that everything is null and void except God). Before he could recite the second line, Othman sitting in a corner said loudly: "Excellent, you have spoken the truth. It is the fact; everything except God is false."
Labeed recited the second line:(And, without doubt all riches come to an end). Othman cried, "But this is wrong. Not all riches are to come to an end. This is true only for the material riches of this world. The riches of the life hereafter are immortal and eternal:"
The people were surprised. Nobody had expected that a man who only a short while ago was under the protection of another person and who now had neither security of his life nor power of any wealth would dare criticize a poet of Labeed's stature in the gathering of chiefs and elders of the Quraish.
They requested Labeed to repeat the lines; the poet repeated the first line and again Othman said:
"True, correct'." But when Labeed repeated the second line, Othman again said: "Wrong. It is not true; the riches of that world are not perishable" This time Labeed himself felt most annoyed. He cried: "O people of Quraish! By God, your gatherings were not like this before. There were not such rude and discourteous persons among you. How is it that now among you I find such persons?"
A man from the audience with the intention of pacifying hire and making him to continue his recitation, said affably: "Please, don't be angry to the talk of this man. He is crazy. And he is not alone. There is a group of some more crazy persons in this city. And they have the same belief as this fool. They have gone out from our religion and have chosen a new religion of their own" Othman replied to that man forcefully. The man lost his temper; moved from his seat and slap- ped at the face of Othman, putting his full strength behind that slap. Othman got a black-eye.
Somebody said to Othman:
"Othman! you did not appreciate the value of the protection of Waleed. Had you still been under his protection, your eye would not have become black."
"The protection of God is safer and more dignified than the protection of any other person. So far as my eye is concerned, the other eye also longs to attain the same honor in the way of Allah:"
Waleed came forward and said:
"Othman, I am ready to take you again under my protection:"
"But I have decided not to accept anyone's protection except that of God."
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There are two major types of headset- older, threaded headsets that have a quill that drops into the stem of the fork creating an interference connection, and newer threadless headsets that the stem is bolted and clamped on to. Flat handle bars are preferred by off road cyclists who can ride in a more upright postion whilst still having the controls at their fingertips, whereas drop handlebars offer more cycling positions and are favoured by road cyclists who typically spend more time in the saddle. The controls attached to the different styles of bar are operated and maintained in different ways.


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