Why the Biggest "Myths" About Bo Togel Depo Pulsa May Actually Be Right

Posted by Atchley on June 19th, 2021

You can pay a credit repair company to fix your credit, but if you're willing to invest your time instead of your cash then you can do it yourself without having to pay a professional. The only questions you need to know before you get started are how much your time is worth to you, and how comfortable you are with initiating and managing multiple credit profile related contacts via phone and email. You will also need to be comfortable with reading and writing quasi-legal documents. You can find example correspondence online which can help you with this.

Step 1: Obtain Your Credit Reports

Your credit score is based on a combination of factors and information which is reported about you by 3rd parties to the 3 major credit reporting agencies. The major agencies we are concerned with are Experian, Equifax and TransUnion. These three companies are the ones who are responsible for publishing information about you onto your credit report, however they are not the ones responsible for generating the information. A creditor, a collection agency or another company (known as data furnishers) will tell Experian, Equifax and TransUnion what to publish about you, and then the credit bureaus will publish it. They do not perform a thorough investigation into the legitimacy of the information when they initially report it. Only when it is discovered and disputed by you will it be investigated, at which point it may have been damaging your credit for months or years. It is also very common for information to be different on each of your three credit reports, which is like playing Russian roulette every time your credit is pulled if you don't fix all three at the same time. The reason is because you never know which report your potential landlord, employer or loan provider is going to pull. Let me give you an example:

You have never checked your credit reports or felt the need to do so, however 2 years ago a credit card account was fraudulently opened in your name, maxed out and never paid on. You have never heard anything about it. The credit card company which was defrauded only reports payment information to Equifax and TransUnion, not to Experian. You have previously been approved for a car loan from your bank about 9 months ago, so you assume your score is good, however you are turned down in the final stages of your employment application and receive a form in the mail stating that a consumer report was used in the negative determination of your employment application. That means that even though your bank pulled your Experian information to verify your credit worthiness for your car loan, your potential employer used Equifax or Transunion and assumed the fraudulent negative credit card entry was valid.

Situations similar to the above are very common, and whether you are turned down for a loan, a credit card application, a job or an apartment it is a huge disruption to your plans and can be a major stress inducing event. Go and check your credit reports right now and then once a month from here on out in order to nip this potential problem in the bud.

The first step to take is to simply obtain a credit report from each of the agencies above. Legally you are allowed to do this for free once per year and also every time you are denied credit or suffer another qualifying negative event based on the results of a consumer report. To get your free reports go to annualcreditreport.com and follow the instructions to obtain your report. This is the official government website for obtaining your free credit reports, and it does not require a credit card or any kind of subscription or trial. Some people are not able to receive their reports from annualcreditreport.com due to problems verifying their identity or other reasons. If you are unable to obtain your reports from annualcreditreport.com, you can either search online for credit report providers or you can contact the credit bureaus directly yourself. Typically you can find providers online which will charge you for your first month of access to your credit reports and to a credit monitoring service, with cost rising to about per month thereafter. Remember, it's free for you if you can get your reports from annualcreditreport.com, so that is definitely your first choice. If you can't get them there try a paid provider or contact the bureaus directly either online or by mail and persuade them to provide you with a copy of your report. I always send mail certified, signature required, with a tracking number - and I highly advise you do the same. Keeping a detailed record of all of your communications with each entity you will be contacting is of the utmost importance to your success. The dates of your mailings and of the correspondence you receive as a result are extremely important. Below are the web addresses for the credit bureaus - search their site or search online for instructions for requesting access to your credit report if you are unable to do so through annualcreditreport.com.

So, just to be clear:

annualcreditreport.com - official site for obtaining your credit reports - go here first

Experian.com - Equifax.com - TransUnion.com; contact directly if needed

OK, I've received my credit reports in the mail or I've accessed them online - now what?

Step 2: Reviewing Your Credit Reports for Accuracy

Once you receive your reports you will need to review them for accuracy. Check each one carefully. There are several sections you will need to review and each one contains important information about you which will be checked by employers, landlords, utility companies, your cell phone provider and of course, potential creditors and others. Credit reports from the three agencies each look slightly different, but are generally composed of sections similar to these:

Personal Profile: This section contains your personal information, such as your legal name, your current and previous addresses, your employment history and your birth date.

Credit Summary: A snapshot of your credit, including how many accounts have been opened in your name and their total balance. Reported delinquencies will be listed here as well.

Public Records: The odds are that you likely don't have any public records listed on your report, but they are very common. Mistakes in this area of your report are also fairly common and need to be disputed immediately. This type of information includes bankruptcy, tax lien, court records, judgements and child support.

Credit Inquiries: Any company you have given permission to review Bo Togel Depo Pulsa your credit file (called a hard inquiry) will be listed here for two years. More than 3 inquiries listed in this section can lower your credit score. If you see companies listed in this section that you have not authorized to pull your credit, then they need to be removed. If you personally check your own credit (such as through a paid provider or credit monitoring service like referenced above) your credit score will not be affected. This type of inquiry is known a soft inquiry. Typical listings in this section include lenders, and potential or former employers and landlords.

Account History: This is the specific account information for all accounts opened in your name which are reported to a credit reporting agency. This information can be positive or negative, and collectively has the biggest impact on your credit rating. A large amount of inaccurate information can be found on some people's credit reports in this section. Positive information reported about you will remain on your report indefinitely, while negative information will remain for 7 - 10 years from the date that the account was closed, or the date you last made a payment on or acknowledged the alleged debt.

The contact information for all the companies who are listing information about you will also be found in this section. These addresses are where you will be sending your dispute letters if you choose to mail them versus filing online (recommended).

The above sections will comprise the majority of your credit reports. As stated before, go through them very carefully. Pay special attention to the alleged amounts that you owe, the payment dates and the names of the companies which are reporting the negative information. Take note of whether or not it is the original creditor or a debt collector as this will have an effect on the wording of the letters you will be sending out, and look at the account creation dates. In short, go through and verify that every single datapoint which is being reported about you on that credit report is accurate. Make notations of what you believe to be incorrect, reconcile this information with your records and if it is not exactly the same, then it may be being reported incorrectly and having a negative effect on your credit profile.