Saturday, February 18, 2012

FIXING YOUR CREDIT

The secret creditors don't want you to know about how to fix your credit.

Your is credit is one of the most important things you have these days, because you need for whatever your are doing now days.

Here are some steps you can use to start fixing your credit and get your loan approved.

. you need to contact all the credit bureau, transunion, experian equifax.

- Go through the report line by line and item by item. Highlight anything that you do not recognize or know has been paid.

- The report from the credit agency will have that agencies contact information at the bottom.

Anything you don't know anything about you need to call the credit bureau or write them and dispute it.

It must be written. Do not bother to call and dispute. The bureau will insist on this is written proof for the consumer, the bureau and the company that reported it.

Identity theft grows more each year. If this is suspected then a report can be filed with the local police department. The creditor must be notified as well.

The credit reporting agency may take up to 30 days to send a return letter of their findings. Of course there will be items that are legitimate, address these directly. Call the company ask to make a new arrangement.

Most creditors will be willing to work out a new arrangement but some may be resistant. A suggestion that you may be filing for bankruptcy may help. The company will typically want to get some money back as opposed to nothing. Know the terms that you are able to keep without defaulting and work from there. Credit is often part of those big life choices, like buying a home or starting a new business, repairing it a necessity


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