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Your Credit Information And How It Decides Our Shopping Power
The bank world is foreign to many consumers outside of the industry. While many people labor over their Myspace and Facebook profiles and rewrite resumes to best reflect their employment profile, their financial profiles go neglected. Usually, they don't even think about what their financial situation looks like on paper, until they are denied a loan. You can obtain your credit information and free credit score report through www.AnnualCreditReport.com as part of the Fair Credit Reporting Act.
Once you have your credit information, you should focus on improving credit scores. Check out your free credit score reports from Equifax, TransUnion and Experian. Credit reporting is voluntary, so the files may all be slightly different. Once you have this credit info, examine your reports for errors. Roughly one-third of credit reports contain serious errors because the credit bureau doesn't verify the information your creditors send to them. Therefore, keeping clear credit is your responsibility. Some of the items may come off through a dispute, where you send a letter or a photocopy of your credit report with circles around the mistakes and supporting documents to validate your dispute. As for the legitimate blemishes, they'll be on your credit for up to seven years and will likely only be fixed through consistent on-time bill payment. You can phase out the use of unneeded credit card accounts but do not close them. Simply stop using them and pay then off. Lastly, a secured credit card can help you re-establish regular on-time payment history again.
To file a dispute about your credit information, you can write a dispute letter to each of the three major credit bureaus, which are Equifax, Experian and TransUnion. In your letter, include the date, your name, address, phone number and social security number. Just write "The following data is incorrect and should be updated," then list each inaccuracy, explaining why it's wrong and what it should be updated with. Attach a marked copy of your credit score report and include all previous communication, account records or statements that will help prove your version of the truth. By letter is the best way to dispute with Equifax and TransUnion, although Experian only allows online disputes. The credit bureaus then have 30 days to check and repair your credit information. Once it's finished, they will write you a letter infoming you what was or was not updated. If you're not happy with the contents of the letter, then you can try to resubmit with different documentation or get in touch with the creditor to try and fix at the source.
Often, having a look at your credit information is the best way of finding an identity theft if you are not using one of the identity theft products such as Life Lock who continually watch your credit information for you and look for any unusual activity. If you find something in your credit information that you have absolutely no explanation for, an unpaid loan, a new TV on credit etc. get in touch with the all 3 bureaus immediately and police for information on your next steps. Without any form of protection, monitoring your credit information is probably the only way to avoid identity theft running amok. It won't prevent it but at least it stops it getting worse.
There's no tool greater than credit information. If you've suffered poor credit scores in the past, then you can still rebound from a foreclosure or collection account by paying regular bills in full and on-time. The best way to stay ahead is to bring in more income, see where your spending problems lie and save sufficiently. "What works" in this department varies for each person. Some need to put the money out of sight, out of mind, while others can manage it in their checking account. Whether it was a one-time "oops" or a pattern of "I didn't know," seeking credit info is the first step toward financial recovery.
In Our Name: Official Trailer