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Alternatives to Credit Cards
Are you one of those people who only ever got a credit card for
the convenience of being able to pay without cash, or because
you weren't aware of any other easy way to borrow money?
Millions of us are, thanks to the unavoidable advertising of...
Choose the Right Credit Card
If you do, you could earn great rewards, save money or even earn
money. Some people think every credit card is the same plus or
minus a couple tenths of an interest point. I use to. This
couldn't be more wrong.
Do you do a lot of...
Credit Cards: Top 7 Mistakes That Card Holders Make
You need to manage your credit cards wisely. Otherwise, you may end up in financial trouble. Unfortunately, there are many who don't realise that they may be making huge mistakes with the use of their credit cards. Here are top 7 credit card...
Getting the Loan You Need with Adverse Credit
For those individuals who have had credit problems in the past,
getting a loan for something that they need can seem like a
nearly impossible dream. After all, what lender is going to give
money to someone that's had problems repaying loans or...
The Downward Spiral of Credit
How do you avoid getting further and further into debt? Credit cards can suck you in without you really realizing it - everyone needs one, and they are great in emergencies. But often people gradually let themselves get into more and more debt,...
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Fixing A Credit Report - Quickly
Fixing a credit report starts with seeing what's on it. You may get access for free online. Try a search for "free credit report." Alternately, when you are denied credit based on a report issued by a local credit reporting agency, you can request a free credit report from that agency within 30 days.
A quick look and you'll have an idea why you were denied credit. Now how do you fix what you see? What if you find incorrect information on the report? What if you want to change information that is accurate, but unfair?
First, if there is anything you want to dispute in the report, you can write a letter to the agency. Tell them exactly what is incorrect, and they must investigate. Send copies of any documentation, such as canceled checks, and send it all by certified mail.
The agency must contact the source of the disputed information. If they recieve no confirmation within 14 days, they must delete the item from their files, and send you an updated report. You can demand that they send the corrected report to all creditors that recieved your credit report in the previous six months. This last part won't be done automatically, so be sure to demand
it.
Honestly, if the item is under $500, or is more than a year old, usually creditors don't bother to respond. This means fixing a credit report is possible even if it isn't incorrect. Also, if you don't succeed on your first attempt, you have the right to dispute the item again after 30 days.
Put Explanations On Your Credit Report
When an item can't be removed, you have the right to add a 100-word explanation permanently to your credit report. All who recieve the report will see your explanation. For example, if you had a valid argument with your doctor over a charge, you can explain the details.
Fixing a credit report may take a long time if it is based on a history of late payments and loan defaults. But even in this case, you can correct little errors, and explain anything that isn't fair. This will make it look a little better while you start paying bills on time and doing the other things necessary.
About the Author
Steve Gillman has been studying every aspect of money for thirty years. You can find more interesting and useful information on his website; http://www.EverythingAboutMoney.info
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Credit Reports - Credit Cards - Car Loans - Home Loans - Credit.com |
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AnnualCreditReport |
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Springboard - Non-Profit Consumer Credit Management |
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Credit referencing and consumer targeting for the USA and other countries. |
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National Credit Union Administration - Home Page |
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Credit - Wikipedia, the free encyclopedia |
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en.wikipedia.org |
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Credit (finance) - Wikipedia, the free encyclopedia |
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en.wikipedia.org |
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The National Foundation for Credit Counseling |
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FreeCreditReport.com | Free Credit Report and Credit Score Online ... |
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Ford Credit - Auto financing for Ford, Lincoln and Mercury cars ... |
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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 |
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credit.about.com |
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