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Many people in the UK, in fact as many as one in three UK taxpayers have paid too much tax! A new `No Win No Fee` tax refund service has just been launched by Greer & Taylor LLP on a dedicated new website The Taxation People which can be found at www.thetaxationpeople.com where you can find out all the infomation need before making the decision to apply for a tax refund. The Taxation People offer a cost effective `No Win No Fee` online service, with a simple and easy to follow process they will guide every step of the way as you apply for a the refund. I would urge you to check out www.thetaxationpeople.com, where you can enlist the help of the The Taxation People who will get you the Tax Refund you are entitled to. The Taxation People are a trading name of Greer & Taylor LLP a respected and trusted accountancy service provider who is moving to provide a number of online services. Initially they are only offering the Tax Refund service that can be found at www.thetaxationpeople.com, but Greer & Taylor LLP are about to lauch a cost effective Self Assesment Service, keep an eye on www.greer-taylor.com for more information.

Homeowner Loans
Another bill has just landed through the letterbox and your still haven`t paid the monthly direct debt to the utility firm. You`ll have to sort out funds for your credit cards next week and then there are the catalogue payments to make. It`s the same story each and every month where you struggle to keep on top of your regular payments. Having taken out dribs and drabs of loads over the last few years you now have to pay a number of companies back. What if you could amalgamate all of your loans into one fixed monthly payment? Suppose you could reduce the amount that you pay each month by spreading the payments over a longer period of time. Look into the various Homeowner Loansthat are available at the moment and you could end up paying less in repayments each and every month. Price comparison sites are the places to look if you want one of the Homeowner Loans. They`ll scour the marketplace searching for Homeowner Loansthat will suit your individual needs. Combine all of your debts into one slightly larger loan amount and you should have more money each month that can be put away for a rainy day.

Have you received your free annual credit report? If not, the first thing you want to do is get a copy of your credit report from each of the three major reporting agencies.

If your address and information can be verified against the report, you can do this on one site at AnnualCreditReport. If not, you may need to contact each agency. Go to Equifax, Experian.com, and www.transunion.com to find out how to order your free annual credit report.

Once you receive your reports, go over every item. Make notes about anything inaccurate or out of date. If there are addresses or information that does not belong to you, you must write to the reporting agency to have these removed from your records. Perhaps there is no record of a loan you paid off. You must inform the reporting agency of this information. They will verify it and add the paid loan to your report. These are important in obtaining future credit. If negative information is accurate, keep in mind that these entries may be reported for up to 7 years or for 10 years regarding bankruptcies.

Maybe there are unfavorable items on your reports that are inaccurate. If so, you must send the correct information and ask to have it corrected. Are there items on your report that were dismissed in bankruptcy or through a settlement? Again, it is your responsibility to be sure your report is correct. You may also help prevent identity theft by being sure that all the records listed are yours. If you do not contact the reporting agency, they are unlikely to notice and correct your records.

Your request must be made in writing. They cannot make changes in your credit report over the phone. When requesting corrections, you must provide copies of documents showing the correct information. Send your request with your documentation Certified Mail, Return Receipt Requested. Keep the receipt and wait for the signed card to be returned to you verifying they received your information. Most of the time, they are required to investigate within 30 days. If the investigation results in a change in your report, they will send you a new free report reflecting the changes.

Be a responsible consumer. Check your credit report every year to insure accurate records are available when you need them.

For more information about this article and/or the author visit http://www.annualcreditreport.com

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