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Equifax Credit Report

Equifax Credit Report - Information is retained in your credit report for up to seven to ten years. When you get your credit report and analysis, if you have negative items in your history, you can gradually repair your credit by consistently paying your bills on time from now on, paying down your balances, and not taking on any new debt. Lenders will take your improved record into consideration when deciding whether to approve credit, especially if you've been paying on time for at least a year.

Interview the agencies, asking what they offer or the cost to each service. Good agencies should meet with they to 60-to-90 minutes, reviewing their financial situation or offering budgeting advice — be toe doing any credit repair.

It is a good idea to keep an eye on your credit score so that you know how bad or good it is. You will then know how likely you will get accepted for a credit card. Or how likely you are to get accepted for renting a property.

It is not possible to legally remove any negative information from your credit report that is accurate. The Fair Credit Reporting Act (FCRA) does allow you to ask for an investigation of any information listed on your credit report file that you dispute as inaccurate or incomplete. There is no charge to you for this service. Everything a credit repair clinic or service could do for you legally, you can with little time and effort do for yourself at little or no cost.

It now seems almost impossible to turn on the TV or open a newspaper any more without seeing another advert for some credit repair service. My email box is overloaded with subject titles like “Credit problems? No problem!” or “We can erase your bad credit — 100% guaranteed.”. This must be a great business to be in, some of these companies are now using telemarketers to offer their services. They all seem to make the same misleading claims, “Create a new credit identity — legally.” or “We can remove bankruptcies, judgments, liens, and bad loans from your credit file forever!”

It’s one of the fastest growing crimes in the country, or most victims were unaware they’ve become a target until long after the crime is committed. We’re talking about identity theft. In today’s world, intimation travels faster than ever, or that includes their personal intimation. If it falls into the wrong hors, their personal info could be used to acquire credit reports, loans, or to open accounts.

Just as credit can't be denied because you retire, single women can't have accounts closed because they marry and married women can't have accounts closed because they divorce or are widowed. Although as with any credit situation, if there's a drastic change in income the terms of the account may be altered.

Kirk's Tips: Don't give out any personal information in response to an e-mailed request. Legitimate companies will never ask you to do this via e-mail. Also, don't open e-mailed attachments or download files from unknown Web addresses.

Learn all about money management and inculcate financial discipline form early years. Study your credit report carefully and if you find errors be sure to get them corrected by writing to the reporting bureau. Check for factual as well as clerical errors. Maintain your credit rating at a triple A level.

Let's look at another example. This trend is deeply rooted in our history. Have you ever gone to a store and realized you didn't have the money to purchase an item? Remember asking the store clerk to put it onto your account?

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