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Valid Reasons Why You Should Understand and Read Your Credit Report

Prior to making a large purchase that will require financing it is smart to get a copy of your up-to-date credit report. A credit score and credit report can actually make or break your potential purchase and since the majority of credit reports do contain errors it is wise to become aware of any potentially erroneous credit before you end up with an unwelcome surprise. Credit bureaus handle a huge amount of information and it has been estimated that as many as 75% of all credit reports contain mistakes that can prevent a person from getting the ...
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You May Need To Repair Your Credit Eventually

Scenarios like this one play out in the United States everyday. You are ready to buy a car. You are planning to finance it so you allow the dealer to run your credit report. He comes back and tells you that he cannot give you the loan because your credit report states that you are deceased. People who are confident that they have good credit often scoff at the idea of credit repair. However, situations like that happen all of time. Errors on credit reports are extremely common and that is no surprise at all considering the massive amounts of information ...
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Mistakes That May Be On Your Credit Report

I check my credit report regularly, and I hope you do too. I haven’t found a mistake on my credit report in years, but when I first started checking it (back when I was just a teenager), I found a very significant mistake on my credit report that I knew needed to be fixed immediately. Below are different mistakes that may be on your credit report: 1. Errors. The most common mistake people usually find on their credit report is usually an easy error. This is usually just information that is reported to the credit bureaus incorrectly. This could ...
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Fundamental Recommendations For Credit Repair

A high credit score is crucial for your financial life. In order to get any type of credit you need to have a good credit score. A good credit score will affect the interest rate that you get as well as whether you can even get the credit at all. Credit repair may be challenging but it can be accomplished. Many people have overcome difficulties in the past and it is necessary for many to repair their credit. If you have inaccurate or erroneous credit on your report you can issue disputes to get it removed. You can do this yourself or you can get ...
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Myths And Truths About Credit Repair

In 1970 the Fair Credit Reporting Act or the FCRA was enacted. This law gives consumers the right to dispute any item showing on their credit report that may be inaccurate, incomplete, untimely, misleading, unverifiable, biased, ambiguous or unclear. This includes foreclosures, charge-offs and bankruptcies. The fact is that inaccurate credit such as false identities; inaccurate balances, untimely listing, overly ambiguous listings and more are very common on credit reports. It is estimated that as many as 75% of all credit reports contain mistakes. ...
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Should You Dispute Bad Credit?

As young adults, we are taught many things. But one lesson most of us are not taught is something that will ultimately affect our entire lives. Unless we learn the importance of earning and maintaining a good credit score, life can end up really hard. Not all bad credit marks are necessarily your fault though. There can often be errors in reporting leaving bad marks against your credit. It is essential to know what your credit report looks like before you apply for a credit card or any loans. If there is an error, you can dispute bad credit marks ...
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Avoiding Fraud In Credit Repair With Guidelines From The FTC

Many people have been struggling with bad credit lately. Therefore many more people are looking at credit repair solutions for their problems. As of late there have been many more credit repair organizations cropping up but not all of these are completely honest. Some of them are fraudulent and as a consumer you need to beware. What is the FTC doing? The FTC is in charge of handling consumer complaints and issues. Over the years the FTC has conducted some serious investigations into the credit repair industry. In February 2006, in an investigation ...
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Credit Repair Solutions That Can Help You

Many people have seen a decrease in their credit scores in the past few years due to the ailing economy. Credit is often necessary for major purchases so many of these people may be interested in credit repair and how it can help them. As a consumer you have the right to question and dispute negative credit information that is showing up on your credit report. Right now there many different credit repair solutions that are being advertised heavily on the Internet and other outlets. However, any bold promises such as restoration of your past perfect ...
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