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Do You Need Credit Card Processing Services?
Are your customers asking for credit card processing services?
If so, you may want to consider adding this service to your
company's Website in order to provide convenient payment methods
that will bring back repeat business. Many companies today...
Home Loans For People With Adverse Credit History
Whether you are planning to purchase a home for the first time or refinance an existing mortgage, plan on comparing lending companies before you accept a financing offer if you have adverse credit history. Sub prime lenders specialize in offering...
Repair Your Credit Like A Financial Expert
How many times have you been scammed by commercials and companies stating that bad credit, no credit, bankruptcy, or divorce is okay? The truth of the matter is that it's not okay. Having poor credit can devastate your life style. In today's...
Store cards, credit cards and loans - how to borrow money effectively.
You don't have to have the lifestyle demands of Paris Hilton to need extra money these days. According to Credit Action, the total UK personal debt was 1,122 billion, a growth of about 10.5% over the previous year and in the UK and each adult in the...
Visa Or Mastercard: Which Credit Card Should You Apply For?
Should you get Visa or MasterCard? Is one of them better than the other? Will one of them help your credit rating more than the other? Many people ask themselves these types of questions when they think about getting their first credit card or...
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How To Deal With Credit Denial
Understanding what's on your credit report is extremely important. Especially, if you have applied for credit and the creditor denied your application.
If you are denied credit, do not ignore this fact. Most individuals will move on to the next creditor, never questioning why they were denied or asking vital information.
If a creditor denies you credit, be prepared to ask several questions. You may feel uncomfortable or embarrassed at this point; however, this is your life and showing concern is showing responsibility.
* Question 1: Why was I denied credit? This question is the most imperative of any question you may ask. In some cases the creditor will not know why you were denied. Most frequently a creditor will respond with a quick answer, such as:
1. Not enough credit history; 2. Low credit score; 3. Several delinquent accounts and/or to much debt.
With this information you are able to determine if it is necessary for you to order your credit report. After being denied credit from a creditor, you are able to obtain a free copy of your credit report from the credit bureau within 60 days of your denial.
* Question 2: Which credit bureau do you use to supply customers credit reports? You will need to know the credit bureau who supplied your credit information to the creditor; in order, to request your free credit report.
* Question 3: May I please have the contact information for the credit bureau, along with a copy of the denial letter provided to you?
The creditor
should have no problem providing this information for you. You will need the contact information of the credit bureau in order to contact the bureau and request your free credit report. The contact information should include a toll free number and possibly a website address.
You may want to keep the denial letter for your records. The denial letter may include vital information and also, the date of your denial.
After collecting all of the necessary information, your next step is to contact the credit bureau and request your free credit report. You are able to review your credit report and argue any inaccuracies; however, this process may take several weeks.
So, credit denial doesn't have to mean you can't get the finance you need. Just follow the above steps and you'll soon be back on the road to good credit worthiness. =========================================================== Find out how to repair your credit. Discover why a good credit report is vital to your financial future, and how to make it the best Click http://www.credit-repair-101.com/
** Attn Ezine editors / Site Owners ** Feel free to reprint this article in its entirety in your ezine or on your site so long as you leave all links in place, do not modify the content and include my resource box as listed above.
About the Author
John Simpson works in software development. A few years ago, he got in trouble with credit card debts. Now he's written a series of articles explaining how he recovered, and repaired his credit.
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