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All Is Fair In Love, War, And, Your Credit Report. At Least It Should Be. Under Standing The Fair Credit Reporting Act
Fact: Over 150 million Americans have credit report with the three major credit reporting agencies. Approximately 50 million of these credit reports contain errors, many of which are inaccurate. Do you know what’s on your credit report? If you’ve...
Credit Counseling – Get in Line Now to Avoid the Upcoming Rush
Credit counseling is a valuable service for consumers who have trouble managing their finances. A distinctly different service from debt consolidation, credit counseling assists consumers with problem debt by educating them about the basics of...
Credit Repair Resources
If you are having problems with credit you might want to surf the market for resources that can help you find a way out of debt. The many resources available do not include the many spammers that tell you in three minutes we can get you out of debt....
How to Improve Your Credit Rating Overnight.
Can You Improve Your Good Credit Overnight? Absolutely.
Perhaps you've been told that you were denied credit because of an "insufficient credit file" or "no credit file" and you have accounts with creditors that don't appear in your credit...
Stoozing Can Reduce Interest Paid On Credit Cards
Stoozing can reduce interest paid on credit cards. Many credit
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in an attempt to win customers. This is like a loss leader in a
shop - they tempt you to use their credit cards with a...
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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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| News and resource directory about credit unions. |
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