| Have you ever been denied a credit card
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| | nationwide consumer reporting companies,
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| or home loan, and you simply just didnt
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| | are required to provide you with a free
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| know why? The credit provider or lender
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| | copy of your credit report every 12
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| told you that your credit history just
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| | months.
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| wasnt up to par in order to qualify for
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| | Now there is no excuse for you not to
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| the line of credit or loan.
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| | keep on top of your very important credit
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| Well sure you made a few mistakes in the
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| | report. All you have to do is go to and
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| past, perhaps a few late payments, and of
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| | request your free report! Or, you can
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| course there is some debt that you are
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| | call 1-877-322-8228. Always check your
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| aware of. But then again, doesnt
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| | credit report before you apply for any
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| everyone? You certainly didnt believe
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| | mortgage loan or line of credit.
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| that your credit report history was bad
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| | So you have your credit report, what
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| enough to not qualify for a credit card
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| | next? Evaluate each item as accurate or
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| or loan, even at a higher interest rate.
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| | inaccurate. Which items can you clear
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| Let me tell you a secret, many people
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| | quickly by simply closing a card or
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| have absolutely no idea what is on their
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| | calling a creditor and paying off an old
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| credit report! Your credit report has, in
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| | debt? If there are inaccurate items, you
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| the past, been something not readily
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| | must make a dispute in writing with
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| available to you, or an expensive item to
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| | supporting information. This means copies
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| attain. Many people are just not aware
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| | of any documents that support your claim.
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| that your credit history can determine
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| | You must send this information to both
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| your financial activities for your entire
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| | the credit consumer company as well as
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| life. This is becoming more prevalent as
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| | the credit provider.
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| credit awareness and education is deemed
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| | If your dispute is accepted and changes
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| necessary. So it is important to always
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| | are made, the company must send you the
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| be apprised as to what is really on your
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| | changes in writing as well as send you a
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| credit report!
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| | new credit report with the inaccurate
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| There can be either two items on your
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| | information removed. The credit provider
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| credit report: accurate or inaccurate.
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| | may not make the same claim against you
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| Credit providers may have reported
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| | again. If you find inaccurate information
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| inaccurate information on your report!
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| | and get it fixed, then your credit report
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| Mistakes happen that you may not even be
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| | will be better, and another step towards
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| aware of. A move, changed phone number,
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| | getting that lower mortgage rate has been
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| lost mail, open credit cards from 15
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| | made!
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| years ago that you simply didnt know
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| | If there are negative items that are
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| existed, and other easily overlooked or
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| | accurate on your report, then you must
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| forgotten items do happen, more than one
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| | take action towards fixing them! If you
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| might think. Hey, who has time to keep
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| | are not sure what to do, consult a
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| track of every single financial item when
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| | financial advisor at your bank who can
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| life, as we know it (busy, fast paced) is
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| | help you set up a repayment plan,
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| hardly ever forgiving?
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| | consolidate debt if need be, or even
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| Many people get down on themselves for
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| | investigate debt forgiveness.
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| having a bad credit score. But this is
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| | Negative items will stay on the credit
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| not necessary! It is not a reflection of
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| | report up to seven years, but if you make
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| who you are. Really. You may have never
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| | an effort to begin paying back debts, and
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| been educated on how to handle your
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| | show you are serious about qualifying for
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| finances or extenuating circumstances may
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| | a mortgage loan, then you are yet closer
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| have greatly effected your credit. So in
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| | to proving to a mortgage lender that you
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| order to stay on top of your credit
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| | are both willing and able to pay back a
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| history, and not be blind sided by an
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| | loan. And these two things: willingness
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| embarrassing, unexpected rejection, check
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| | and ability are exactly what a lender
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| your credit report!
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| | evaluates when considering a person for a
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| Credit reports are no longer some far off
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| | loan.
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| document that is hard to get a hold of.
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| | Fixing your credit of accurate negative
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| After all, it is YOUR credit report,
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| | items takes personal effort and time.
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| right? Shouldnt you have easy access to
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| | However, fixing inaccurate information
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| it? Well somebody else thought you should
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| | that can greatly increase your credit
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| too, and the Fair Credit Report Act
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| | score, can be done fairly quickly. If you
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| (FCRA) was enacted just for this reason.
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| | are serious about getting a mortgage
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| Here are the terms:
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| | loan, or even a better mortgage loan to
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| Every person is entitled to a free credit
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| | save you money, consult your credit
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| report if a credit company takes an
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| | report before you take any steps at all!
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| adverse action against you, or if your
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| | By understanding where you stand, you can
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| application for credit or insurance is
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| | either choose to go forward and find a
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| denied.
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| | mortgage loan that is within your limits,
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| You are entitled to a free credit report
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| | or repair your credit before making a
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| if you are unemployed and plan to get a
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| | move. Even if you are not considering a
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| job in 60 days, are on welfare, or if
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| | loan or line of credit, always stay on
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| your report is inaccurate because of
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| | top of your credit history because you
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| fraud including identity theft.
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| | never know when a better score can save
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| Equifax, Experian and Transunion, all
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| | you time, money, and huge headaches!
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