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It is time to start thinking about your financial future for the upcoming year. Maybe you have bad credit and want to start rebuilding your credit history? Need to fix inaccuracies in your credit report? Is someone using your good credit? Maintaining, or beginning to establish good credit is critical for your financial future. Lenders or creditors have different specifications of what is acceptable credit. It is important to know what the different types of credit report problems are, and for how long the negative information may influence your ability to establish new credit. Examine your credit report so you know what it says about you and your credit worthiness. Make sure that the information contained in your credit report is your information and that it is up to date and accurate. Then, if it is what you expect make sure it stays that way by monitoring your credit file 365 days of the year. Don't let your bad credit, or someone else using your good credit, become a financial nightmare.
What exactly is bad credit???
Although lenders and creditors have their own set of criteria that they use to judge whether or not they feel that an individual is credit worthy, it is important that you know what the different types of bad credit are. When you are applying for new credit or for a loan, your potential creditor will most likely request a copy of your credit report. Knowing what some of the problems that are often seen in credit reports will give you some insight as to why your potential creditor may reject you request for new or additional credit. Some of the most common problems seen by creditors are: missing a credit card payment and/or making late payments, accounts submitted to collection, defaulting on a previous loan, a judgment filed against you, filing for bankruptcy, or not paying your taxes. Credit decisions should never be made hastily. It is important to remember that bad credit may not only affect you currently, but most likely you can be suffering the consequences long term. The law allows bad credit to remain on your credit report for a period up to seven to ten years. Most credit consultants advise that if you feel that your credit report is incorrect you should contact the company who is claiming that you owe them money directly. However, if your credit report is accurate and you have been late in making your payments the best way to prove to a creditor or lender that your late payments are a thing of the past, is to make full and precise payments for a period of at least six months to a year.
A great way to stay on top of your credit is to periodically check your credit report for accuracy and completeness. Don't let bad or inaccurate credit sneak up on you. The best way to maintain your good credit is to be aware of what your credit report says about you.
Check this Out!!!
Can I really correct inaccuracies in my credit report?
If you believe that there is inaccurate
information in your credit report, it is advisable to get a copy of your
credit report from all three of the credit bureaus, to determine whether
or not the erroneous information is being reported by all three of the
credit bureaus. After receiving your credit report, highlight any "suspicious"
information contained in your credit report. If you ordered your report
directly from the credit bureaus, it would then be necessary to submit
any inaccuracies separately, in writing. One advantage of ordering a credit
report from www.Ecreditreport.com is the dispute form, that comes free
of charge, to assist you in clearing up any discrepancies that appear
in your report. If you would still like to contact the credit bureaus
directly, the phone numbers and addresses for Trans Union, Equifax, and
Experian are also provided in your credit report. You may also wish to
contact your credit grantors and request that they investigate the information.
If it is determined that the credit grantors are responsible for the error,
request that they send all major credit reporting bureaus a written notice
of the correction. If your credit card grantor is unwilling to make the
corrections to the credit bureaus, you can submit a written statement
explaining the facts from your point-of-view and ask that this be posted
in your credit file. Then don't forget to examine your credit report periodically
to verify that your credit history is accurate.
Don't Forget: There's no magic to
repairing your credit, but with hard work and discipline it can be rebuilt.
If the information in your credit report is valid, it cannot be removed,
even if the information is unsatisfactory.
Site Savvy
A free-to-consumers and businesses web site focusing on various aspects
of credit, such as credit cards, debt management, credit repair, bankruptcy,
credit reports and bureaus, loans (personal and business), and much more.
The site includes links to many additional resources such as books on
various credit subjects and providers of credit and loan services.
Your Credit Consultant!
Q: I've heard that with
crimes like identity theft on a steady rise, it is now more important
than ever to have a card protection service. Is this true?
A:
Yes, it is true that the recent rise in identity theft has made card protection
services and an absolute need. Card registration services have been around
for over thirty years, offering a convenient service that can be worth
its weight in gold when you need the service. One phone call allows you
to report fraudulent charges made on an account or card, request notifications
alert your card issuers of a lost or missing card, or change of address
on a card or account. One card registration service that makes this managing
your cards especially effortless is CardPal. CardPal's unique online card
registration service offers a secure environment for managing your cards.
Users of CardPal enter and manage their own personal and card information
via www.cardpal.com. No middle man. No phone calls. You enter the information,
and you initiate the service, all from your own computer. CardPal puts
you securely in charge!
Credit Clue!
Although in most instances, The Truth in Lending Act limits your liability
for unauthorized credit card charges to $50.00, the same is not necessarily
true for ATM cards. With an ATM card the amount you may be liable for
depends on how quickly you report the loss. The guidelines are as follows:
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Reporting your ATM
card lost or stolen within two business days limits your liability
to $50.00. Reporting your ATM card lost or stolen after the two business days but within sixty days after the unauthorized charge you may be liable for up to $500.00 Reporting your ATM card lost or stolen after the sixty days may leave you liable for the total amount of money withdrawn from you account. |
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The best way to protect yourself from liability
is to act fast and in writing. By sending a letter certified you have
proof of when the financial institution was notified.
