Fixing Your Credit Report

article directory
175766 *recent articles in 802 categories Last article added 11/23/08
 
Fixing Your Credit Report
 
Site Menu
 
Site Search


  		HOME » Finance & Investing » Personal Credit » Fixing Your Credit Report

Fixing Your Credit Report

Fixing your credit report and repairing your credit are two distinct processes and problems. Below are practical ways to fix your credit report if it’s wrong. Look through a magnifying glass 1. Check the identifying information. Sometimes they make a simple mistake (wrong name or social security number). 2. Review the credit accounts. The report might be for an account that is simply not yours. It may include delinquencies in old accounts that were closed. You should report the debt of your spouse before you’re married since it isn’t your responsibility and you don’t want it to affect your score. 3. Look through the list of inquiries. Any inquiries older than two years shouldn’t come up on a credit report. Also, inquiries you didn’t authorize, shouldn’t be factored into your credit. 4. Collections and public records. Look for judgments and bankruptcies older than seven years; neither should impact or be on your score. You can improve your credit score after filing for bankruptcy and qualify for a loan as long as you can prove you made payments on time consistently for the last two years. It’s easier to get your score restored when you can explain the circumstances that contributed to the bankruptcy. Proactive steps 1. Dispute the errors. Write a letter: include the account number, billing address and photocopied report with issues in dispute highlighted. Federal law requires a response within a set amount of time. 2. Pay current bills on time. 3. Don’t close your credit card or revolving account. 4. Apply for new credit sparingly.

Source: http://www.ArticlePros.com/author.php?Drew Miles
More on Finance & Investing and Personal Credit can be found below:

  • The Real World and Your Credit Score
  • Key Credit Repair Tips To Improve Your Credit Report Scores
  • Credit Report Repair – Know Who Reads Your Credit Reports
  • WHAT DOES YOUR CREDIT SCORE SAY ABOUT YOU ?
  • What Helps Can You Get From a Credit Counseling Service?
  • How To Fix Errors In Your Credit Report
  • Free eBook: Protect Yourself From Identity Theft
  • Free Instant Credit Report: Instant Way To Know Your Credit
  • Understanding Credit Scoring & Credit Repair
  • Debt Settlement Companies Restore Debt Relief through Negotiation and Debt Elimination
  • Credit Counseling should be a part of everyones financial plan:
  • Invoice Factoring Provides Much-Needed Cash Flow For Companies.
  • Improve Your Credit Score – 5 Myths Put To Rest
  • Loans For Unemployed People: Funds For The Tough Times
  • Credit Tips - It Never Too Late to Rebuild Good Credit


  • Free eBook: Protect Yourself From Identity Theft
  • Taking Steps To Repair Bad Credit
  • How To Get Rid Of Your Bad Credit In Two Months
  • Credit Counseling Scams
  • Save Time, Money, and Frustration and Get the right Credit Score
  • Improve Credit Score - 3 Tips For Raising A Low Credit Score
  • 5 Easy And Quick Ways To Improve Your Credit Score
  • So you Got Bad Credit, What's the Big Deal?
  • Bad Credit – Avoiding the Run-around
  • Repairing Your Credit
  • Credit Management
  • How To Get A Free Credit Report & What It Means To You
  • Compare Business Credit Cards And Save Money
  • Buying A Home After Foreclosure - Comparing Bad Credit Lenders
  • Your Credit Scores Again

    •  

    Get this article to go

    RSS | JScript | Email | HTML

     

    About the author

    During my years of law school, I completed an internship with a New York Supreme Court Justice and second legal internship with a law firm and also began investing in real estate. Immediately upon graduating law school and passing the bar exam, I opened my own law practice. From 1988 to 2001, I practiced with my partner under the name Miles and Gillard, where I concentrated in the area of real estate and business law.

    Drew Miles

    Find Out More:
    http://www.irabusinesssystem.com/

    http://www.irabusinesssystem.com
     
    Email options
       

    ** Check all that apply **
     

    This article has been accessed 3 times since 2006-03-23.
    		_________________