www.weforum.org 30.01.2010 US President and Nobel Peace Laureate Barack Obama awoke high expectations with his slogan "Yes, we can!" After one year of presidency, it can be seen where President Obama has introduced political innovation and where he has not. To what extent has the impact of the financial and economic crisis been curbed in the US? What are the relations between the US and the Arab countries? To what extent has the international political situation on climate changed due to the new position of the US? Does the Nobel Prize favour or harm Obama's Administration? This session is co-organized with the Federation of Swiss Protestant Churches (SEK-FEPS). Susan M. Collins, Senator from Maine (Republican), USA Riz Khan, Anchor, Al Jazeera, USA Ulrike Lunacek, Member of the European Parliament, Speaker of the European Green Party Kenneth Roth, Executive Director, Human Rights Watch, USA; Global Agenda Council on Human Rights & Protection Sir Martin Sorrell, Group Chief Executive, WPP, United Kingdom; Global Agenda Council on Marketing & Branding Moderated by Christine Maier, TV Host, Swiss Television SF, Switzerland
Your credit report holds importance when it comes to applying for loans. For getting a loan and prior to loan approval your credit worthiness is verified by your lender. So the credit report has a very crucial role to play in loan approval. Therefore the free annual credit report is offered so that both borrowers and lenders can get the desired credit information that too free of cost.
There are three agencies that provide credit report- Equifax, Transunion and Experian. To get free annual credit report you are not required to pay anything. These reports are made to you available totally free of cost. The credit report issued by the different bureaus is almost similar, but different bureaus use different parameters for evaluation. Different agencies have different viewpoints however; it would be beneficial for you to acquire all the three report.
Free annual credit report gives you an opportunity to maintain a good credit record. With the help of this report, you analyze your credit scores and things that require your attention so that you can improve your scores. With these report you can easily get to know your credit worthiness and can find whether you can qualify for regular loans or not. It is beneficial if you apply for such report prior to applying for any loan.
For lenders this free annual credit report acts as a basis for approving or rejecting your loan application. It provides them with detailed information about your previous credit records. It is a detailed account showing defaults, late payments, arrears, CCJs, IVA and bankruptcy. This credit report enables lenders to assess your credit worthiness and in case of denial he should present valid reason of application rejection.
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