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Illinois Credit Rating Takes Another Hit After Pension Non-Action

SPRINGFIELD, Ill. — A major credit rating agency has soured on the economic forecast for Illinois after another failed attempt this week to rectify the $96 billion pension system deficit.

Fitch Ratings announced Friday that it has relabeled Illinois' financial outlook to "negative" from "stable."

The outlook does not affect Fitch's opinion of the state's credit worthiness, still listed as "A." That's two steps below the grade for the best-quality borrowers – sound, but reflective of a climate where state finances are vulnerable to economic changes.

The announcement serves as an advance warning to Illinois that a downgrade could be on the horizon unless it resolves the gaping difference between its pension system's assets and what it will eventually owe state employee retirees.

"It's important that our bond-rating agencies give us as much time as possible in order to stabilize the pension system," Gov. Pat Quinn told reporters Friday at a stop Friday in Bedford Park, about 14 miles southwest of Chicago.

Now, the Democrat and former high school distance runner compares the pension quest to a marathon.

Quinn had declared a pension-reform deadline of Jan. 9, the end of the last legislative term, anticipating negative responses from credit agencies. He said that deadline was set because Fitch and other agencies were "poised to take a look at us and we want to tell our legislators this is not a time to run in place. This is time to get the job done for the people back home."

A downgrade from "A" could mean a higher interest rate to borrow money. The state typically borrows money for big items such as construction projects by selling bonds backed by promised future tax revenue. But decades of underfunding the pension system means that to catch up, Illinois must put up nearly one-third of its general revenue annually, putting a squeeze on money for services such as education and health care.

"Failure to enact pension reforms will eventually bring Illinois to its financial breaking point, and it will be worse than any fiscal calamity we have seen thus far in this state," Republican Treasurer Dan Rutherford said in a statement.

The latest attempt at pension repair fizzled in the final hours of the legislative session on Tuesday. The plan would have required larger contributions from state employees and reduced eventual retirement benefits, but top House lawmakers had agreed to temporarily set aside the Republican-opposed idea of shifting the employers' portion of contributions for teachers to local school districts.

Fitch noted that the negative outlook could "be resolved after an assessment of the extent to which the state takes action within the next six months that limits the impact of pension payments on the budget."

Fitch is one of three agencies that monitor state finances and grades ability to repay debt, and its change in outlook matches the "negative" labels the other two – Moody's Investors Service and Standard & Poor's – laid on the state last year.

___

Contact John O'Connor at https://www.twitter.com/apoconnor

___

Online

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How to Get Your Credit Report for Free

35 authors | 89 revisions | Last updated: December 17, 2012

Josh Hannah, Tom Viren, Imperatrix, Jack Herrick, Manuel_Montenegro_THANKS!, Dave Crosby, Flickety, Sondra C, Mallamace, Travis Derouin, KeyMedia, KnowItSome, J3d1mast3r, Ian Taylor, Elizabeth Greene, Martyn P, Bob Gilbert, Biffster, Dvortygirl, Chris Hadley, Idealseo, Glutted, Linus, Lucky7, Rootbrian, Krystle, Eric, JulietCH, Wdt3223, BR, Kanhu, Creditfast10, Savannah, K53_PDX, ZareenPin ItArticle EditDiscuss

Your credit score is critical in today's world. It may be used by employers, landlords, insurance agents, and banks to evaluate your applications for credit, housing, insurance, or employment. You should therefore be sure that the information contained in your credit report is accurate and up-to-date. You can do this by monitoring your credit. The United States Federal Trade Commission (FTC) recommends that you check your credit report at least once a year, and has enacted several laws to ensure that you can get your credit report for free on a periodic basis. Here you'll learn just how to do that.

Edit Steps

In The U.S.A.1Request your report. The Fair Credit Reporting Act (FCRA) requires each of the nationwide consumer reporting companies to provide you with a free copy of your credit report, should you request one, once every 12 months. You may request your free copy in one of three ways:Online. To request your report online, and view it instantly, visit the website that the three credit reporting agencies—Equifax, TransUnion, and Experian—co-sponsor: AnnualCreditReport.com at https://www.annualcreditreport.com. In order to verify your identity, you will be asked five basic questions about your finances and previous addresses before you will have access to your report.By phone. To request that your report be mailed to you by phone, call 1-877-322-8228 and ask for a copy of your report from each of the three reporting agencies. You will go through a simple verification process over the phone, and should receive a copy of your report within 2 to 3 weeks of your request.By mail. To request your report by mail, you will need to complete the Annual Credit Report Request Form available at https://www.annualcreditreport.com/cra/requestformfinal.pdf. Then mail it to: Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281. You can expect to receive a copy of your report in approximately two to three weeks from the date your request is received by AnnualCreditReport.com.2Re-order a credit report. If you have already obtained your free report under the FCRA’s 2003 amendment, determine if you're entitled to another free credit report. The FCRA also provides for certain situations in which consumers are entitled to a free credit report, regardless of when they obtained their last free report. Some situations that may entitle you to a free report include:You had a credit, insurance, or employment application denied because of information on your credit report. The employer, insurer, or bank will send you a notice that includes the contact information for the reporting agency that provided the report used. You have 60 days from the date you learn of the denial to contact the agency and ask for a copy of your credit report.You are unemployed and plan to begin looking for a job within the next 60 days.You receive government welfare assistance.You are a victim of fraud of identity theft and believe is has result in inaccurate information being placed on your credit report.Your state laws may also give you the right to obtain an additional free credit report every 12 months. A listing of states with laws entitling residents to an extra free report can be found on the reporting agencies centralized website at https://www.annualcreditreport.com/cra/helpfaq#statelaw.3If you are entitled to another free credit report for any reason, you must request it from each of the three reporting agencies. Each agency has a different procedure for requesting and obtaining your report.Equifax (https://aa.econsumer.equifax.com/aad/landing.ehtml). Request your report by calling: 800-685-1111 or writing to Equifax Disclosure Department, P.O. Box 740241, Atlanta, GA 30374. When writing, be sure to include your name, social security number, current and previous addresses, date of birth, and telephone number. For your protection, you will also need to verify your identity by providing copies of certain documents. For a list of acceptable documents, see Equifax’s Acceptable Forms of Identification page at https://help.equifax.com/app/answers/detail/a_id/18.You may also request your report online by visiting the Equifax website.Experian at https://www.experian.com/consumer/cac/InvalidateSession.do?code=CDIDEC. Request your report by calling 866-200-6020 or visiting them online at https://www.experian.com/consumer/cac/InvalidateSession.do?code=CDIDECTransUnion at https://disclosure.transunion.com/dc/disclosure/disclosure.jsp. Request your report by calling 800-888-4213, writing to TransUnion LLC, 2 Baldwin Place, P.O. Box 1000, Chester, PA 19022, or visiting them online at https://disclosure.transunion.com/dc/disclosure/disclosure.jsp. When writing, be sure to include your name, social security number, current and previous addresses, date of birth, and telephone number.

International1Get informed. If you're in need of international credit services, Equifax[1] offers business-class credit reporting. If you're based in the U.S., it's best to go with a reputable U.S. organization like Equifax.2Research the options. There are a number of international credit reporting agencies, as a quick search on Google will attest.3Visit Graydon (http://www.graydon.co.uk/) in the U.K. While they're a paid service, they offer a free credit check as part of their "get to know us" offerings. They also offer international credit reports and other credit-based financial services.

Edit TipsMonitoring your credit is also one of the best ways to protect yourself from identity theft, as it allows for early detection of unauthorized activity.Your credit score is not part of the free annual credit report you are entitled to under the FCRA, and must be purchased separately from the credit-reporting agency.Read your report thoroughly for errors. If you suspect some unauthorized activity may be taking place in your financial accounts you should place a fraud alert.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 consumer 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.If you are under 13 years of age or you are requesting a credit report for your child under 13 years of age because you suspect that the minor's information has been used fraudulently, contact the credit reporting agencies directly and report the illegal use of your child's information to law enforcement.When using http://www.annualcreditreport.com, you may want to use a browser without any extensions or add-ons as it may interfere with your request. You typically only have one chance to submit the information correctly or you will be informed to make your request by mail.

Edit WarningsThere are many companies offering consumers free credit reports and then billing for services that the consumer has to then cancel. Be aware of such scams, and remember that AnnualCreditReport.com is the only authorized source for the free annual credit report to which federal law entitles you.According to the FTC, Annualcreditreport.com and the three consumer-reporting agencies, Equifax, Experian, and TransUnion, 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 reporting agencies, you should not reply or click on any link in the message. Such emails should be forwarded to the FTC at spam@uce.gov.

Edit Things You'll NeedSocial Security numberSocial Insurance number (for Canadians)Current addressDate of birthInformation on current loans and credit cards for verification purposes

Edit Related wikiHowsHow to Contact Credit Reporting AgenciesHow to Determine How Often Can One File for Chapter 13 BankruptcyHow to Put a Fraud Alert on Your Credit ReportHow to Avoid Unauthorized Requests on Your Credit ReportHow to Understand Your FICO Credit ScoreHow to Build Credit Without Credit Cards

Edit Sources and Citationshttp://www.ftc.gov/bcp/edu/pubs/consumer/credit/cre34.shtm – research sourcehttp://money.msn.com/credit-rating/get-extra-credit-reports-for-free.aspx – research sourcehttp://www.ftc.gov/bcp/edu/microsites/freereports/index.shtml – research sourcehttp://www.transunion.com/personal-credit/credit-disputes/credit-reports-disclosures.page – research sourceArticle Info Featured Article

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