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Credit Report - Instant credit scores are fast ratings usually obtained on the Internet that are based on a consumer's financial report with a major credit bureau. When looking for quick ratings, consumers need to be careful of the company that they work with. There are many advertisements out there offering an instant credit score when the customer signs up for monitoring service. This service will provide the rating but will charge the customer up to $49.95 for a month of monitoring. After getting the rating, consumers can cancel the service and not be charged, but they have a small window in which to do so. If consumers do not cancel within the specified amount of time, or forget to cancel it, the company will charge their charge card monthly.

Issuers must follow rules to promptly correcting billing errors. They’ll get a statement outlining these rules at that time they open an account or at least once a year. In fact, many issuers include a summary of these rights on their bills.

It is also wise to do a little research on the websites that purport to show you your credit score details online. Make sure of the website’s reputation. Can they really provide the information as they claim? You don’t want to sign up to get a credit report only to find out that the details are inaccurate.

It is up to they to know what is on their credit report or keep the data up to date. They might had paid their bills on time, but their credit report may show that their credit is less than perfect. They may had had a credit dispute with a merchant that was corrected, but not shown on their report. They may had a bankruptcy that was not properly recorded. They may also had experienced credit fraud.

It will look especially good to real estate lenders if they had received credit counseling, or the counseling will help they in several ways. A good credit counseling agency will help they create a budget or counsel they in how to use or stick to it. They offer counseling on using credit in their future, as well as how to re-establish their credit. They could help they move toward their goal of buying real estate. Once they had successfully completed credit counseling, ask them to something in writing to that effect. It could help at that time applying to their real estate loan

It's good to be aware of the section in your free credit reports that lists who has requested a copy of your report within the last year, or two years if it was an employer. So if having the names of some employers show up in your report would cause problems, be careful who you authorize to check your credit. Also it's not advisable to casually apply to too many companies, as employers and creditors will view this as sign you have difficulty in getting a job.

Just one note, don't try to dispute any of the positive information listed in your credit reports and it is a waste of time to attempt to dispute these records. Disputing positive information may actually harm your credit scores.

Knowing what is on your credit report is important and with the plethora of companies that offer instant online credit reports for free, getting a copy of yours is easier than ever. There are good reasons to take advantage free online credit reports, but with anything that contains your personal information, there are reasons to be cautious.

Lenders eventually began to standardize how they made credit decisions by using a point system that scored the different variables on a consumer's credit report. This point system helped to eliminate much of the bias that previously existed; however, it was still tied to intuitive measures of creditworthiness and was not based on actual consumer behavior.

Loan consolidation: They could consolidate several loans into one new loan, with a low interest rate or easy finance management opportunities.

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