It’s one of the most important pieces of information you have, yet few think of it until they need it. Your credit report keeps information about credit limits, payment history, and even legal information for years. That information has the power to get you a new car, your first home or even a new job. Yet very few of us worry about the contents of our credit report until we need to.
What’s the biggest downfall to it all? We don’t have control over the items that get added and removed and when it occurs in our credit reports.
There’s a Chance Credit Report Errors Exist
It’s a nice sunny day everything is going fine, you’re driving to the golf course for a morning round of 18, everything is great. How ever, maybe everything isn’t great, it’s possible you have errors on your credit report that you don’t even know about. Errors that could cause you to be denied for a loan, credit card, or worse.
Do you stay on top of your credit report? When was the last time you requested a copy to review the items, and ensure everything was correct and up to date? If you’re feeling a little worried or wondering what is on your credit report right now, then I guess it’s been a while.
The sad part is most people discover what is on their credit report when it’s far to late for them to do anything about it. When their sitting in their bankers office, or trying to get approved for a new car.
So take a proactive approach and review your credit report regularly, and if issues arise consider using a professional to exercise your right and dispute errors and fix them before they cause problems.
A Credit Repair Specialist Can Help
I know you might be a little apprehensive of hiring a credit repair company to help you remove negative items from your credit report. Don’t worry, it’s a shared feeling by many until they see the positive effects a better credit rating can have on their lives.
Legal credit repair is all about correctly those items we’ve talked about so far, it’s not trying to scam the credit bureaus into thinking you’re someone different then your are, or requesting a new SSN in order to start a fresh credit rating. If you talk with anyone who is suggesting you do such a thing, you should report them and their activity.
Using a credit repair lawyer, or other professional, will exercise your rights in the Fair Credit Reporting Act to dispute errors on your credit report, and have them, removed in order to increase you credit score. The process is legal, and carried out by thousands every day.
How will a credit repair lawyer proceed?
If you don’t already have current copies of your credit report from all three credit bureaus this is the very first step. You can’t know what’s wrong or what to correct if you first don’t already know where you’re at.
Credit Repair Lawyers will request copies of your most recent credit files. From this they will review with you what items they think you should dispute and which items to leave alone.
The biggest benefit to hiring a credit repair professional like a lawyer is their experience. They have hundreds of clients cases to call on from experience to help you decide what items are best to dispute. They know which items have been difficult to remove in the past, and which ones made the most drastic changes in a clients credit score.
This is something you just can’t know on your own, without past history, or trial and error.
Keep in mind, anything that a credit repair lawyer does for you can be done on your own. You won’t have the mass amount of experience to draw on, but you can dispute your own items, send in your own letters and save the fees a lawyer might charge you.