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Credit Education
Getting Credit Education Having credit education is like knowing how to read. It will be necessary throughout your life. Once you learn it, you will know it forever. Once you establish good skills, they will help you to get ahead throughout...
Free Credit Reports - $80 Refunds Due To One Million People
If you were one of the more than one million people who paid for one of those free credit reports, then you are due a refund. Under an agreement with the FTC, consumerinfo.com will be contacting one million previous customers about a refund....
How to Shop for a Credit Card
With so many credit card offers available to nearly anyone who wants one, it can be difficult to find a reasonable offer that fits your personal needs. Here are some things to look for when shopping for cards: •Interest Rate: This is one of the...
Reducing Credit Card Debt
Great as credit cards can be, one of the easiest "things" that can happen in life is the building up of a large credit card debt. For whatever reason, making purchases with credit cards always seems much easier than spending cash to obtain a...
Repairing Credit Ratings to Build Credit
Is your goal to repair your credit rating? Then you might want
to consider many factors before getting started on building you
credit. Credit is good in many ways, and bad in some ways.
Credit puts stress on us simply because we have to maintain...
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Credit Repair Defaults
If you have defaults on your credit record, it is possible to
have some of them removed. Defaults are non-payments recorded on
your credit files. When a person is in default, they are
subjected to lawsuits, liens, judgments, and other complicated
situations. If you are a student struggling to pay student
loans, a renter struggling to meet monthly bills, or a homeowner
battling to stay out of debt you might want to know what is
available to you.
If you have a college loan, which means you have a loan from
the government you can ask for a default, which gives, you time
to repay the loan. Other types of defaults include insurance
policies, bills, car loans, personal loans, and other types of
credit lines. Sometimes we are subject to debts that may not be
ours.
There are thousands of collection agencies and credit reporting
services throughout the US. Sometimes there are errors sent to
the credit bureaus that put the default on your credit file.
Once the default goes on your credit file it remains there until
the bill is paid in full. Now, if you did not make the purchase
the first thing you want to do is file a dispute. The problem
however, defaults remain on your credit file for a period of
time before they are removed.
The upside is fighting for your rights and disputing the
allegations made against you are telling creditors that some
boo-booed. If either you have credit cards and purchased an item
or service on the card and the service or item was defeated, you
must first dispute the problem with the providers. After you
have disputed the issues with the providers, you will next
contact your credit card lender and inform them of the defaults
on your credit report. DO NOT pay on items or services that done
you wrong, since this means the creditors will view you in a
different light.
If you have, insurance policies are delinquent on your bills,
you might loose your coverage, however in some cases you might
be in more trouble than you realize. Read all terms & agreements
as well as any other fine prints before obligating your self to
a
contract. If there is a default against you on your policy
contact your provider immediately and try to work out a plan.
By making contact, you could save your insurance as well as
additional debts added to your accounts. Anyone that lends you a
line of creditor subjects you to defaults if you cannot make
payments. If you have defaults on your credit files make sure
that you work to pay the debts down to avoid complications.
Identity Theft
Now here comes the bad deal when it comes to dealing with
defaults on your credit file. If you are subjected to identity
theft, the ultimate resource is to continue fighting for your
rights. People are robbed, beaten, murdered, and violated and so
on every single day.
The difference between these situations and identity theft is
these people are survivors and identity theft victims are
victims for the remainder of their lives. I can say this with
confidence, since it has been seven long years since I was
robbed of my identity and today I am still fighting for my
rights. Today I cannot get an apartment in my name, nor can I
get credit.
The reason...My credit file has Freud Alert written all over it.
Once a Freud Alert is posted on your credit, file it leaves
creditors open as to who committed the crime. If I had known
about the FREEZE option when I sent letters notifying my
creditors that my identity was stolen, I would have had a much
better chance in life. Instead, no one told me. Now I am passing
the word on to others, since I never want anyone to suffer as I
have as a result of identity theft.
When your identity is stolen, defaults hit your credit files
continuously and remain there until the time allowed. If you are
a victim of identity theft, make sure that you ask the credit
bureaus to put a FREEZE on your accounts. This tells the
creditors that you are a victim.
About the author:
Tony Robinson is a business owner with vast experience in all
facets of Credit and Credit Repair - for further tips and
techniques visit http://www.officialdebtfree.com
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| An independent federal agency that supervises and insures 7152 federal credit unions and insures 4240 state-chartered credit unions. |
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| Credit - Wikipedia, the free encyclopedia |
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| CUNA: The Credit Union National Association |
| News and resource directory about credit unions. |
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| Credit/Debt Management - Tools and Advice for Managing Credit and Debt |
| Drowning in debt? Trying to improve your credit score? This is the place for you. Get real world information and tips, as well as the legal low down, ... |
| credit.about.com |
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