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Your Credit, Your Money, Your Life.


Report About Credit and How It Affects You!




Credit Report Information Details about your financial behavior and identification information are contained in your personal credit report.This consumer-friendly report is sometimes called a credit file/report or a credit bureau. A copy of your credit report makes it easy for you to understand the information a lender, employer or a landord would be seeing if they review your credit history. The typical consumer credit report includes four types of information. By law, a credit report cannot disclose certain medical information (relating to physical, mental, or behavioral health or condition).
Although they do not generally collect such information, it could appear in the name of a data furnisher (i.e., Cancer Center) that reports your payment history however. If so, those names display in your report, but in reports to others they display only as medical payment data. Consumer statements that contain medical information included on your report at your request are
disclosed to others. Public record information in some states may also include overdue child support. Bankruptcy information can remain on your credit report up to 10 years; unpaid tax liens can remain for up to 15 years; other public record information can remain up to seven years. Credit information includes specific account information, such as the date opened, credit limit or loan amount, balance and monthly payment and payment pattern. The report also states whether anyone besides you (a joint account holder or cosigner, for example) is responsible for paying the account. Active positive credit information may remain on your report indefinitely, while most negative information remains up to seven years. The most important factors to look for on your credit report are as follows:








Personal information is also contained in your report and can include your name, current and previous addresses, telephone number, reported variations of your Social Security number, date of birth and current and previous employers. Two main factors determine your overall credit strength and are considered by all lenders and creditors before approving you for a specific rate. The worse these two factors are, the worse rate you get, or the more often you will be turned down altogether for loans and credit lines. The two main factors are:




Credit Score (determined by both your positive and negative credit history) Debt to Income Ratio No one can improve your debt to income ratio, only you can.

It basically means how much money you make versus how much credit you already have extended. If you have a low credit score however, this will also be one of the biggest reasons why you will always pay more to get less. Or worse, why you will get denied for the loan or credit line you want. It is so important to your financial health to raise your credit score and improve your credit situation if you have poor or even just a few marks against you on your credit report. You will save more (tens of thousands over a period of years) and you will always be able to have more than someone with poor credit. It's just a simple truth. There are several ways you can raise your credit score and improve your credit. The most popular and by far the fastest is to use a trusted credit repair service. This is recommended to anyone who has bad credit, or even less than perfect credit. There are good services out there just be sure and do some research. If you are ambitious though improving your credit can be accomplished yourself. Following are some secrets that I learned from a trusted mortgage consultant who has worked in the industry for years.

Following are the steps to take to improve your credit right now.
1. Obtain your credit report from all three agencies




2. When you recieve it, verify that your personal information is correct. Often
times a wrong address or spelling of your name puts someone elses credit information on your report.


3. Verify that the accounts listed and balances are correct.




4. Next thing to do to clean up your credit is to
write back to the credit reporting agencies and dispute everything.



5. This is best accomplished around a holiday or the end of the fiscal year. Why this is important is that when you dispute an account the credit agency sends notice to the creditor to verify your account. they have 30 days to answer the credit reporting agency. When you dispute accounts around a holiday or the end of a physcal year, this shortens the time that they will have to respond because they are busy doing other things, this then give you a better chance that they will not respond to verify your account. what then happens is that your account does not get verified so the credit reporting agency MUST remove this from your account. My suggestion is to do this several times a year. This improves your credit score by removing negative information.



 


Credit Reporting Agencies
Credit Reporting Agencies collect information about you and your credit history from public records, your creditors and other reliable sources. These agencies make your credit history available to your current and prospective creditors and employers as allowed by law. Credit agencies do not grant or deny credit.

The credit reporting agencies are:

Equifax PO Box 105873 Atlanta, GA 30348 800-685-1111

Experian PO Box 2002 Allen, TX 75013 Consumer Credit Questions 888-EXPERIAN (888-397-3742)

TransUnion Post Office Box 2000 Chester, PA 19022 (800) 888-4213



 
FREE ATTORNEY ADVICE

Here is an attorney’s advice on money and credit and here it is for FREE!!!

Read this, print out a copy for yourself, copy and paste in an e-mail to all your friends in case you or they need to refer to it someday. The next time you order checks: Have only your initials instead of a first name) and a last name put on the top. If someone steals your checkbook they will not know if you sign your checks with just your initials or your first name but your bank will know. When you are writing checks to pay on your credit card accounts, DO NOT put the complete account number in the “FOR” or MEMO line, instead just put the last 4 numbers. The credit company knows the rest of the number and anyone who might be handling your check as it passes through all the check processing channels won’t have access to it. Put your work phone number on your checks instead of your home phone. If you have a PO Box use that instead of your home address. NEVER, NEVER have your Social Security number printed on your checks (duh), you can add it if necessary, but it you have it printed anyone can get it.

Place the contents of your walled on a photocopy machine, copy both sides of your license, all your credit cards and other cards. You will know what you had in your wallet and all of the account numbers and phone numbers to contact in case something happens. Keep these copies in a safe place, I also carry a copy of my passport when I travel, we have all heard horror stories about fraud that is committed on us in stealing a name, address Social Security number or credit cards. I the attorney have first hand knowledge because my wallet was stolen and within a week the thief or thieves and ordered an expensive cell phone package, applied for a Visa and had a credit line approved to buy a Gateway computer, and received a new PIN number from the DMV to change my driving record information online. Here is some critical information to limit the damage in case this happens to you or someone you know. We have been told we should cancel our credit cards immediately but the key to that is having the toll free numbers handy so you know whom to call. Keep those where you can find them easily. File a police report immediately in the jurisdiction where it was stolen. This proves to the credit providers you were diligent and is a first step toward an investigation. Call the Three National Credit reporting organizations immediately to place a fraud alert on your name and Social Security Number. I had never heard of doing that until the bank called to tell me that an application for credit was applied for over the internet in my name. This alert means that any company that checks your credit knows your information was stolen and they have to contact you by phone to authorize new credit. By the time I was advised to do this, almost two weeks after the theft, all the damage was done.

The three Numbers Are:
Equifax 1-800-525-6285

Experian 1-888-397-3742

Trans Union 1-800-680-7289

Social Security Administration 1-800-269-0271

 
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