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How To Read A Credit Report – A Basic Guide

Kieran was looking to get a new car and stopped by a Honda dealer. She really wanted a particular Accord that they had. But was very upset when she learned they would not approve her for a loan. She was told it was due to a couple of things on her credit report showing unpaid and defaulted. Just recently, she happened to get a copy of her credit report for another matter; however she really didn’t understand it. But she knew those accounts were already paid. Later that day she called the credit bureaus and faxed in the receipts. However the Honda dealer said everyone has to wait 90 days to re-apply. The Accord she really wanted sold. This situation could have been completely avoided and Kieran would have gotten that Accord if she only understood what the credit report said. Then she would have known to get it corrected and update it, BEFORE she ever applied for that car loan.

And that is the reason for this article. You will be given a basic overview of consumer credit reports. This article will be an easy guide on learning how to read and understand a credit report.

There are only 3 major credit bureaus in America. Experian (use to be TRW), Equifax, and Trans Union. Any other bureau that may be in your local area is in some way affiliated with one of these three major bureaus. Any person, or company, that pulls your credit is getting it either directly or indirectly from one of these three bureaus. These 3 are the only credit bureaus that matter in the U.S.

So now the question… How do I read my credit report?

It is not surprising to hear that, Experian, Equifax, and Trans Union all do their reports differently. But overall it really doesn’t matter because all credit reports are basically divided into four sections: Your Identifying Information, Your Credit History, Your Public Records, and the Inquiries which have been done on you.

1) Identity Information: This Identity Information section tells anyone reading the credit report exactly who you are. Name, date of birth, and social security number. Names may be listed more than once to reflect each way it has been previously spelled. If you applied for credit before and someone misspelled your name on the inquiry, it will be on your credit report indefinitely. Then if you are a female you will see the maiden last name and the married last name, also if you were divorced then went back to the maiden last name, if you marred again after that, etc. There is a possibility that you will see a lot of variations of your name. The important thing is that you review it closely to look for anything you do not recognize.

Additional information in this section will be your current address, previous addresses with telephone numbers. Plus driver’s license number, the employer, all past employers, the spouse name, etc. Any info that helps to indentify you.

2) Credit History: This is also sometimes called the accounts list, or your trade lines. This section will list your current and active accounts as well as any credit you have had in the past that was reported to the credit bureau.

In general, this section is going to list everything in the past 7 years. Most agree that the credit bureaus computers automatically delete anything that has “the date of last activity” that exceeds 7 years. For example if you open a account at Sears in June 1995 and made payments every month, then got delinquent and made your last payment on March 2004. Then March 2004 is the “date of last activity” and when the 7 years will start counting down. Then, say you want to try and fix your credit and sent them a payment in Oct 2007. The 7 years will start all over again from Oct 2007.

Each account listed will include the name of the creditor and the account number. The Credit History section will also include:

* Date account was opened * If the account is in your name only or if there is a co-signer * Total amount of the loan, which is listed as the high credit limit, or highest amount on the credit card * Existing balance as of date of credit report * The fixed payments each month for loans, or the minimum due each month for credit cards * The status as of the date of the credit report (open, inactive, closed, paid, etc.) * How have the payments been made on the account

How well you paid on the accounts is one of the main things that everyone checking your credit is looking at. It is reflected in a two part code.

The first part of the code is a letter that will either be an R or a I. The I stands for installment or fixed loan, these are set loans with a set payment amount, like car loans, mortgages, student loans, etc. And R stands for revolving which are mainly credit cards, department store cards, or line of credit, etc.

The second part is a number from 1 to 9. The 1 indicates that there have been no delinquencies and the account is current and paid on time. The 9 indicates numerous delinquencies, missed payments, partial payments, etc. Obviously 1 is the best, then 9 is the worst, and then there’s all the stages in between. Bottom line, anything other than a 1 is not looked at too favorably.

The codes are not difficult to understand once they are explained. People want to see I1 and R1. However they frequently create questions. Experian has started to insert plain language description like… never pays late… typically 30 days late… defaulted… etc.

3) Public Records: You do not want to see anything in this section. Only negative stuff that are the resort of court actions are listed in this section. Judgments, wage garnishments, bankruptcies, tax liens, etc. Something listed in this section will bring down your credit faster that anything else.

4) Inquires: Just as the name says, this section contains a list of companies that have requested to pull your credit report.

There are two types of credit inquires. Soft inquires are from companies who want to send out promotional information to a group, or either your current creditors monitoring your account. Then there are Hard inquiries which are the ones that you made happen by applying for credit somewhere like a loan, car financing, credit card, etc.

Most people are overly concern about inquires having a negative impact on their credit. It is true but it usually takes an awful lot of inquires before it will affect you. There is a certain amount that is just expected and considered normal. And when you want to buy something like a car, or a home, it is expected that you will shop around, therefore two or more of these type inquires in a 14 day period counts as just one.

As stated earlier, there are many credit companies who all get information either directly, or indirectly, from one of the main 3 credit bureaus. Then they format their credit reports in many different ways, and list things in different order. However they all will contain these 4 basic sections.

It is extremely important to know how to read your credit report. And knowing exactly what is on it is very important.

Many in the credit industry estimate that as many as 80% of all credit reports contain some kind of misinformation, mistake, or have not been updated.

If you do see an error on your report. You then need to speak to each of the bureaus, Trans Union, Experian and Equifax. You can fax directly to them, if you have acceptable documentation like a receipt or invoice. If not the creditors will have to be contacted and will have 30 days to respond.

We hope that this has been a benefit to you. Our goal was to provide the basic information that will teach anyone how to read and interpret a credit report. This is the only way to determine if it is correct, or if you need to have it updated. When you are planning to finance a car, buy a home, or applying for any kind of credit, you need to know what is on your credit report before the people making the decisions see it. Remember that when you request your own credit report it is never counts as an inquiry.

For over 10 years Consumers Info USA has been connecting people with the online services they need to help them live better. Go Now for more information on how to check your credit report and a link to order your online credit report

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Fix My Credit – How To Erase Bad Credit Items On Your Credit Report

If you are wanting to fix your credit score then you need to follow two major steps. The first step is to remove negative listings on your credit report and the second step is to build positive reporting accounts on your report.

How To Erase Bad Credit Items

The Fair Credit Reporting Act is a piece of federal law that gives every citizen the right to dispute any item they feel is incorrect on their credit report. This law is what entitles you to potentially fix credit information and erase bad credit on your credit file.

In order to dispute an item on your credit report you first need to know what information is actually on their and damaging your credit rating. Additionally you need to know you can only file a dispute for items that are on a specific credit bureaus credit report. In other words you can only dispute items that are on your Equifax credit report with the Equifax credit bureau.

You can get a copy of your credit reports from all 3 major bureau, for free once a year. To use this visit annual credit report and you can request your reports there for free. Once you get your reports you need to review them in detail and you’ll probably be surprised at how different each credit report is.

The reason you’ll have different information on each one of your credit reports is because not all lenders or creditors will report to all 3 credit bureaus. A quick tip if you dispute an item that is not reported on that particular bureaus credit report they will blacklist you and ignore any future dispute attempts on your behalf.

For example if you dispute a collection item with Transunion but that collection item is not on your Transunion credit report, then from our understanding Transunion will ignore any disputes you make in the future for any item on your Transunion credit report. You can also hire a professional credit repair firm to perform the credit dispute process on your behalf but it is not required.

Once a credit bureau gets your dispute they are going to investigate the item by contacting the debt collector or lender and asking them to verify the account and the relevant information. If the item is not verified then according to the Fair Credit Reporting Act it must be removed from your credit report.

If you have an item that comes back from a bureau investigation and it is verified this doesn’t mean you have to just live with the bad credit. In fact many collection agencies will settle an account with you and in exchange for your settlement payment they will stop reporting your account information to the credit bureaus and this way you are still able to erase bad credit from your report.

You are going to experience some difficulty getting the credit bureaus to team your dispute valid and investigate it. This unfortunately is the way the credit bureaus operate and it is a result of profit motives. The credit bureaus are spending money when they investigate consumer disputes.

The only reason the credit bureaus do conduct investigations is to comply with the Fair Credit Reporting Act, and even that is debatable. The credit bureaus have been fined time and time again by the FTC for not complying with this law and investigating consumer disputes. If you experience any trouble we strongly encourage you to consider hiring a specialist because you don’t have to just live with a bad credit report.

Positive Reporting Accounts

You can build positive items on your credit report by paying your current monthly bills on time and you may benefit from opening a new credit line. A new credit line as a unsecured credit card, or installment loan with responsible use will help you build positive items on your credit.

For more about how to fix my credit and how you can erase bad credit items on your credit report call 1-800-298-4297 for a free credit report summary and analysis or visit us.

Important Changes To Credit Report Dispute Process – Credit Card Insider

These days’s question is: money had been recently achieved between credit scoring agencies and NY lawyer General’s workplace, bringing some important modifications to how conflicts and health choices are managed.
Ask united states your credit concerns inside opinions in order to find the next card at https://www.creditcardinsider.com/

The dispute quality process for credit file has been hard for sometime, with way too much power going to the financial institutions and collection agencies. New legislation changes that, giving credit reporting companies more capacity to make modifications. Health choices are going to be addressed in a different way and, coming with a grace period alongside advantages to the consumer.

Each week, John Ulzheimer responses COMPLETE credit concerns. Email united states, call us, or ask on live talk, and we may answr fully your concern on YouTube!

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Tips and Insights Regarding Credit Report Repair

After you have your individual credit report and completely understand it you might determine that there is a need to execute some credit report repair works. Credit report fix is oftentimes required; in only exactly the same way as other things usually requires fix after a particular period of use. There are two techniques to finish a credit report restoration. The first being free credit history restoration and 2nd becoming more pricey. According to the level of credit report restoration you’ll want to do, the actual quantity of time essential to repair it plus the details that it’ll require you could find that you don’t have any option about which credit file restoration approach to go after.

According to the Fair Credit Reporting Act, consumers can dispute blunders in their credit history free-of-charge. It may be some time consuming to pull your report, document the error, kind up a letter and deliver it in, a lot of people employ credit repair companies doing the bland benefit them. There isn’t any genuine explanation, aside from the problem of time, to put on cash for work that you could effortlessly do your self.

Credit report restoration organizations need an installment payment at the beginning and a monthly competitive charge after that. And in addition, Equifax, Experian and Trans Union don’t approve of credit report fix organizations. Performing on your part, the credit history fix service takes your credit report, and using the reasonable credit rating work and in the pipeline methods, dispute any unfavorable product in your credit report record which you have actually selected. Some organizations could even offer an upgraded service to continue keeping track of your reports for other negative damage to come. This option of credit file fix is far more high priced it is not as time intensive or nerve racking as filing and dealing with the disputes yourself.

Don’t fall for the adverts that claim an agency can erase bad credit from your own report. The only thing for legal reasons that may be altered on a credit report is inaccurate information. When you yourself have had a bankruptcy, the only thing that will lawfully take it off from your credit report is time. Credit restoration agencies fee anywhere from $ 400 to $ 2000 with regards to their services while the the reality is they are not doing whatever you can’t do for yourself. For $ 30 you can easily acquire a credit report that listings your history with three credit bureaus. Other financial investment in cleaning your credit file is in the worth of the time it requires.

The next thing towards credit restoration should report incorrect information towards the credit bureau. It is legal to attempt to fix your credit score on your own by having untrue, out-dated or incorrect information from your credit file. A legitimate credit restoration company with legal professionals whom specialize in credit issues can request that harming information be taken off your credit history.

Discover ways to properly fix your credit by obtaining a free content of the credit report from http://credit-free-report-online.info – a popular credit report web site that prrovides assistance with credit conflicts.

Dispute Credit Report Online and Correct Your Credit File

Did you know that you can now dispute your credit file by going online and checking out each credit agencies internet site? Why don’t we review how the dispute process works.

The initial thing you must do is get a duplicate of the credit history from each major credit bureau, you can get these 100% free at annual credit file. Nevertheless are just entitled to one credit file from each bureau yearly.

Once you have all three among these credit reports you need to review them and identify any things that you believe are wrong or dubious. Avoid being astonished when there is various home elevators each of your credit history, that is common. This is because because some lenders do not are accountable to all three credit bureaus.

This is quite crucial because if you file a dispute utilizing the incorrect credit bureau and also the item you are disputing is certainly not on your credit report with that bureau after that frequently your own future dispute attempts will automatically be considered frivolous and ignored. As an example if you dispute credit report to eliminate a charge off with Experian as well as your Experian credit file will not show a charge off then you will have a difficult time later on.

The next step is either going on the web or we encourage one to stick to the conventional US mail to file your credit dispute. To achieve this on the web you need to visit each bureau’s internet site and fill in the directions to file your dispute.

The explanation we declare that you utilize United States post is mainly because in this manner you could add any extra supporting research or documentation you will probably have. Additionally we are dubious associated with the credit reporting agencies and just how they could manage web conflicts.

We state this as the FTC has fine each one of the credit agencies again and again for maybe not examining consumer disputes. The greatest good by the FTC was about decade ago when all three credit reporting agencies had been necessary to establish an 800 quantity so customers could call-in and register a dispute by phone, though the credit agencies are not necessary to have staff members answer these phone calls.

There had been reports of individuals waiting up to 43 hours and much longer on hold. All three associated with credit bureaus were fined $ 1 million collectively, the largest fine to date. However critics were in uproar because from a company point of view the credit agencies saved millions of dollars by ignoring customer disputes and never spending man-hours and sources correcting information that they had collected in regards to you. In other words experts felt the fine was way too tiny.

Once you file your dispute the credit reporting agencies usually are likely to respond by asking you to learn more concerning the dispute. They don’t necessarily require the information as an alternative this can be a stall tactic the bureaus usage because they want you to give up on your own credit dispute. The bureaus have found it more inexpensive to try and disregard your dispute than to really explore and correct your credit file information. However if you stay persistent it is possible to fix bad credit.

It is a little-known undeniable fact that the credit bureaus only spend money once they investigate customer disputes and therefore are reluctant to get this done. People believe the credit reporting agencies tend to be a government entity that will be untrue. The credit bureaus tend to be huge for-profit companies that yearly generate huge amount of money of income. The will eventually research your dispute, but only because Federal Law calls for them to.

If you come across trouble or just simply need avoid the problems we might motivate you to definitely employ a credit restoration service to wash up credit directories for your needs. They truly are very reasonable at around $ 60 four weeks with usually $ 100 upfront fee. All you have to do is let them know exactly what things you like to dispute and wait for letters from the credit agencies.

For a totally free credit consultation call 1-800-230-1954 and for even more suggestions to dispute credit report online and obtain the bureaus to investiage and possibly remove bad credit check us out – this is very effective option to improve credit history.

How To Dispute Your Credit Report

How to dispute your credit report and the federal law that entitles you to challenge the accuracy of any information on your credit history. For more tips check out our article http://www.yourbadcreditcard.net/dispute-credit-report/

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Common Credit Myths at Experian.com
http://www.experian.com/credit-education/credit-myths.html
Checking a credit report will hurt your score. Education level can affect a person’scredit score. … Once a delinquent loan or credit card balance is paid off, the item is removed from a credit report.

5 Credit Card Myths Hurting Your Wallet and Credit Score
http://www.magnifymoney.com/…credit/5-credit-card-myths-hurting-your-wal…
Unfortunately, some of these credit card myths may be causing your wallet – and yourcredit score – more harm than good. … Don’t get a credit card, just use prepaid or debit cards. … Having a credit card in your wallet doesn’t just mysteriously incur debt, but it can magically …

Credit Myths – TransUnion
https://www.transunion.com/article/credit-score-myths TransUnion
Credit myths and credit misconceptions are plentiful. Don’t let incorrect information influence your credit behavior.

Top 5 Credit Myths – What’s My Score
https://www.whatsmyscore.org/facts/5myths.php
Checking your own credit report is counted only as a “soft inquiry” and doesn’t harm your credit at all. Only “hard inquiries”, the one’s made from a creditor or …

Credit Score Facts & Fallacies: The Truth Behind Common …
http://www.myfico.com/crediteducation/factsfallacies.aspx
Despite what you may have heard, a poor credit score may not haunt you forever. Find the facts on this and other common myths.

10 Common Credit Score Myths People Tell Me | Credit.com
http://blog.credit.com/2015/01/10-credit-score-myths-ive-been-told-105884/
Jan 13, 2015 – There’s a lot of hype surrounding credit scores, but don’t believe everything you hear. These are 10 credit score myths that you shouldn’t follow.

credit report myths
credit card myths
what affects your credit rating
what affects my credit score
debt myths
how long to repair credit

#creditscore #credithelp #creditmyths #creditrepair
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How to write effective credit report dispute letter

http://www.legacylegal.com/services-fast-track.asp?did=a100_b0_e08_d0-0-0-0023_

As a provider of affordable credit fix, we get asked lots of concerns with regards to composing credit history dispute letters, such as “How can I compose a dispute page?” or “how do you do so myself?”, and this movie will cover the items of a successful credit file dispute page, and just what it appears to be like so you can construct one of the own.
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A Consumer Credit Report

consumer credit
by Net Archive Publication Images The Non-mortgage consumer debt Act manages customer debt that has actually contributed much in acquiring The U.S.A.’s existing monetary standing. In the UNITED STATE, you could acquire anything you desire, offered you agree to pay off the financing amount with interest. Among the households that hold equilibriums on bank card, the ordinary quantity maintained is around 2,000 bucks. The quantity does not include the added financial concerns of mortgages, rental fees and auto loan. Economic experts discover that Americans owe around 2 trillion dollars in bank card as well as other debts.In the UK, charge card companies were bringing their defaulting clients to court for not

paying their debts. On exploring the legalities of the cases it was found that numerous card providers did not abide with the Non-mortgage consumer debt Act of 1974 (CCA). Because of this, the instances backfired on the card business whose non compliant financial obligation agreements were cancelled and also clients have had the ability to stroll away without paying a penny.New York customer credit rating therapy solutions is one of the most appealing, important and also short-term services to any individual who wants to safeguard

a debt cost-free future. These agencies also assist you consolidate your financial obligation, established up a repayment plan, as well as make arrangements to allow you maintain part of your income. The companies also “instruct”you to stay out of financial debt in future situations.Did you recognize that there are currently over 400 non-mortgage consumer debt counseling agencies operating in the US alone? If you conduct a search

on the net for non-mortgage consumer debt therapy solutions you will find a massive number of organisations advertising asserting to be able to conserve you huge amounts on your unprotected financial obligation and have you financial debt free within a period of time. The big concern is, are their services worth it to the typical consumer who is fighting with their debt?The government has actually infused billions of bucks into the financial system to obtain the economy reclaim its stability. This has helped a lot in this economic downturn duration specifically when the economic situation is moving to the depression. With this credit rating reforms, people standing on the brink of bankruptcy are once again qualified to get back to their typical life by using the benefits of the stimulation bill.Consumer credit history is really nothing new. It existed in a casual fashion in the earlier days, where your neighborhood grocer would provide you your needs and you compensated at a specific time. That was based upon his reaction of just what you were and just how you acted. This article has actually been composed by the writer, Tiens. Must you need anymore non-mortgage consumer debt act please visit his consumer debt card sources! More

Non-mortgage consumer debt Articles

Don’t Let Simple Mistakes Devastate Your Experian Credit Report

experian
by Net Archive Book Images Improving your credit scores account to

loan providers is an issue of handling your financial resources sensibly and also making certain there are no mistakes in your Experian credit scores record. While missed repayments on a funding will be noted in your record, you’ll want to make sure that any negative information discovered there is really your own. Despite the fact that these records are highly exact, blunders could occur and also having these mistakes got rid of swiftly takes a little time as well as attention on your part.Know What You Had to Deal with Repairing mistakes in your Experian credit report is an easy process as well as recognizing exactly what needs dealing with

is the initial step to better credit scores. Before you could really have an influence on these errors, you’ll should ask for a present copy of your report for testimonial. You are qualified to one cost-free duplicate every YEAR and also could make this demand online. You can likewise call their toll-free number or demand the record in creating. When you have the record, established apart some time for a comprehensive review of the outcomes. The data will be burst out right into areas

that provide details on all of your financings and funding together with the repayment background. Make sure to seek any kind of negative information provided in the record as this is where you’ll wish to concentrate your initiatives. When you have actually assessed the record, the repair procedure could start and also you’ll swiftly be on your way to a greater credit rating.The Process for Modifications Remedying any kind of errors you find in your Experian credit rating report is a simple process of filing a disagreement online. You submit the form with any kind of details you could supply about the thing concerned as well as send the demand to Experian for correction. You will certainly obtain an instance number as the last action in the conflict process that you could utilize to track the development of the case. As soon as this disagreement is submitted, Experian will speak to the lending institution to have actually the information confirmed as exact. If the lending institution can do this quickly, as well as is exact, the thing will stay on your record and you will be informed of the results. Given that the loan providers have an extremely short amount of time to provide this verification, the product will certainly be gotten rid of if they cannot validate it in time. This is why it is essential to test any kind of info you discover in your record that you believe might be inaccurate. Oftentimes the documents for older accounts are hard to retrieve and also the product could be gotten rid of just since a loan provider could not react rapidly sufficient to the dispute.Be Methodical While you can absolutely submit a collection of disputes at the exact same time to have any mistakes you discover remedied, it’s better to take them one at a time. By hanging around examining and also fixing each error individually you’ll lose much less time as well as take some of the complication from the procedure as well.
Maintaining great records can additionally aid streamline the procedure. You need to begin a declare every disagreement you send as there could be a great deal of backward and forward interactions had to solve the concern. By keeping good records you can lower the confusion and also get the mistakes fixed rapidly. Keep in mind that the much faster you get these errors taken care of, the faster your rating will enhance to eventually decrease your rate of interest rate.Make A Take care of Your Lenders If you have actually filed conflicts for all the adverse details discovered in your record yet still have a few things harming your credit report, talk with your loan providers to see if they could aid you remove this data. In instances where an account was shut, you might be able to have them change the wording to earn it clear that it was closed by the debtor. This mild adjustment in tone can have a big impact with various other lending institutions

assessing your report in the future. If the account is noted as if it was shut by the lender it looks even worse for you. Occasionally you may have actually shut the account in good faith as part of shrinking your outstanding credit report as well as it was mislabeled. Having a discussion with your lending institutions can help clear these kinds of issues quickly.Tell Your Side of the Story One last point you can do to enhance your Experian credit rating record is adding remarks to any outstanding unfavorable information in the record you can’t remove via a conflict. The firm permits you to add a general remark as part of the record to explain to future loan providers the situations for any misbehaviors provided. This can be a powerful method of obtaining your side of the tale informed and might help them choose in your support when taking into consideration a brand-new loan.

< a rel="nofollow"href =" https://plus.google.com/103098531867705934658?rel=author" > Sam Jones the author of this write-up advises to visitors trying to find info on their experian credit score report to go to the uSwitch internet site which supplies a riches of info as well as guidance.

3 Ways of Removing Collections From Credit Report – How To Remove Debt Collections

3 methods to get rid of collections from your credit report gov and scoreconsisting of an unclean little trick of the debt collection agency, as well as for even more tips.

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HOW TO GET A FREE CREDIT REPORT

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Latest Correct Credit Report Errors News

Image from page 37 of “Negro slavery in the northern colonies” (1902)
correct credit report errors
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Identifier: negroslaveryinno00bogg
Title: Negro slavery in the northern colonies
Year: 1902 (1900s)
Authors: Boggess, Arthur Clinton
Subjects: Slavery Theses
Publisher:
Contributing Library: University of Illinois Urbana-Champaign
Digitizing Sponsor: University of Illinois Urbana-Champaign

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Text Appearing Before Image:
slaves are set down to Massachusetts.This return, made: by the marshal!, of the district, may be consideredas the formal evidence of the abolition of slavery in Massachusetts,especially as no person as appeared to contest the legality of thereturns. M. H. S. Coll. I, IV, 199, 204. It is scarcely proba-ble that none of these negroes and raulattoes were held as slaves,although many had been manumitted, and traffic in slaves had beenforbidden in Massachusetts in 1788.^ Vermont is credited with 17 slaves. This was the result ofa clerical error, and was officially corrected in 1870.^ The census of 1790 gave the number of free blacks as 59527.These were about equally divided between free states and slave states.The colored element at this census constituted ifg larger proportionof the population than ever after, viz., 19.3 percent. 1. Hist, of Slavery in Mass., 247. 2. Ibid, 125. 3. Ibid, 226. 4. New Eng. Hist, and Geneal. Regiater XIIX, 248. || 5. Amer. Statistical Assn Pub., 1890-91, 93.

Text Appearing After Image:
For the sake of comparison a few statistics of the number ofslaves elsewhere than in the northern colonies are given. The Lordsof Trade in 1721 reported: in South Carolina, 9000 whites and 12000 blacks;in North Carolina, 1600 inhabitants of which about one third a. 3.were blacks; in Maryland, 34796 whites, 7935 negroes; in Pennsyl-vania, 60000 whites and 5000 blacks, although others are said to haveestimated not more than half this number. In 1764, Colonel Bradstreet wrote:lam assured by persons late-ly from Illinois, that exclusively of the French Garrisons there,the Inhabitants are 600 fighting Men, have one thousand Negroes well-accustomed to the use of small arms, averse to our taking possession sr. of the country. The number of negro slaves bartered for in one yeai? ( 1768) on the coast of Africa, from Cape Blanco to Rio Congo, by the different European nations, amounts as follows: Great Britain, 53,100; British Americans, 6,300; France, 23,520; Holland, 11,300; Portugal, 1,700;

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