Wisconsin Title Closing and Credit Services
COVID 19 Action Plan
– April 2021 –
Anyone coming in to our offices will be required to wear a mask or face covering upon entering.
Americans can now enjoy free weekly credit reports through April 20, 2022, as the big three credit bureaus have extended a program intended to help people manage their finances during the pandemic.
Normally, people are only entitled to one free credit report per year, available at AnnualCreditReport.com. But on April 20, 2020, the three major credit bureaus—Equifax, TransUnion, and Experian—increased the frequency to once per week, in a program that was set to expire after one year. The latest extension adds another year to the program.2
“Access to financial information and records on a more frequent basis helps people plan for their future while also taking care of the present during these challenging times,” CEOs of the three credit bureaus said in a joint statement Tuesday. “We strive to make credit more accessible and available to people every day and we hope continuing to make free credit reports available each week is helpful to consumers.”
Taking advantage of those free credit checkups frequently might not be such a bad idea, experts say. Consumers have inundated the Consumer Financial Protection Bureau (CFPB) with grievances about credit reporting during the pandemic, complaining of errors on their credit reports, including identity theft.
Fixing those types of errors or mistakes on your credit report could have a positive impact on your credit score. In October, the average credit score actually increased to a record high of 711 (a score that would generally be considered “good” by creditors) despite the pandemic’s ongoing economic hardships.3
As Wisconsin starts relaxing its Safer At Home policies and businesses are reopening, Wisconsin Title, Closing and Credit is still committed to bringing our clients and customers the safest meeting experience as we have done throughout the pandemic crisis.
Here are some of the precautions we are continuing to take as our Settlement Agents attend closings, as well as general office protocol:
- Masks are required to be worn when attending a closing or meeting face to face in an enclosed area.
- Conference rooms and Closing rooms are sanitized after each appointment, and the number of people in a room is limited to the signing parties only.
- Plexiglas stands are present in all rooms to further separate direct face to face contact between our agent and customer.
- We offer curbside closings so the customer will not need to leave their car; our closing agent will walk them through their documents while standing a safe distance away.
- We are prepared to do eClosings and eNotarizing, and are in the process of obtaining RON certification for our closing agents, which should be complete within the next few weeks.
- Key employees have been set up with work from home systems in the event that our office would need to close due to unforeseen circumstances in order to continue to assist our customers with no lapse in service.
Wisconsin Title, Closing and Credit Services takes the health and well-being of our customers and our employees very seriously, and will continue to follow these practices as long as necessary until everyone feels safe.