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Increase Your Credit Score -FAST!

Uncover honest and straightforward processes you can use to improve and update your credit reports and qualify for the financing you need and deserve.

Discover how to use credit wisely and how to stop accidentally damaging your credit!
Techniques you can utilize immediately to begin increasing your credit scores.

Find out how to receive your credit reports free from each of the three bureaus. You may not need to pay for your report or sign up for a monitoring service to get your report for free.

Discover the dispute strategies that are guaranteed to make the credit bureaus take notice. You CAN get your credit report corrected, by yourself, quicker than you might think! Click here for more info

 

 

Credit Card Rates – Negotiating Rates with Your Credit Card Company

Ok, let’s face it, everybody hates high credit card rates, and they drain hard earned money out of your wallet. As a valued consumer, it is apparent that you learn how to negotiate to get the absolute best rate that you possibly can. The good news however is that it doesn’t have to be a difficult …


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 Free Credit Report : Link with us : Credit Score Home :: Your Credit History

Your Credit History – Remove A Negative Credit Record From Credit Report



The three major credit bureaus, Experian, Equifax and Trans Union are similar and feature a “Credit Score”, which is created from credit report data submitted to them about you.

But very often your credit report includes inaccurate, wrong or incomplete information (credit records).

In this situation you have to prepare and send letters to each of the credit bureaus. Also learn your credit rights by familiarizing yourself with the Fair Credit Reporting Act (FCRA)

The FCRA gives you the right to dispute inaccuracies or omissions, and it requires credit bureaus to investigate your complaint (generally within 30 days), send you a prompt response and correct any errors. The law also requires the source of inaccurate information (such as a bank) to correct the record at the credit bureaus to which it initially provided the erroneous information.

“Anything a credit repair company can do, you can do for yourself by using this e-book!”

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Consumers working on their credit reports say many times their letters are ignored by the credit bureaus. Consumer’s say even with proof a credit record is not theirs; its removal from their credit report can take three or four challenge letters, because the credit bureaus may have only verified it in their computers and not on the credit report.

Send your dispute letter by CERTIFIED RETURN RECEIPT MAIL. This should not be done with the first attempt.

Keep a record of when you sent the dispute letters and what date you should expect a response.

If you have received no answer to your dispute after 30 to 37 days, send a certified return receipt letter requesting an updated credit report demanding the disputed credit record be deleted.

If the bureaus do not reply within the 30 days, it must be that the information was either inaccurate, or it could not be verified. In either case, according to the Fair Credit Reporting Act, the credit record must be immediately deleted from credit report.

Some consumers have eliminated negative marks on credit reports simply by going through this process of disputing credit records several times. Since some creditors will not take the time to respond, you may be able to win by default.

 

Boost Your Credit Score

Boost your credit score by collecting all your bills and financial papers and giving them a spring cleaning, regardless of the time of year. Everyone wants a perfect credit score of 850 or to increase their credit rating to the best possible credit score. This is the main factor lending agencies …


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In addition, some consumers working on their credit report have seen another negative credit record or two disappeared. Usually some progress is made each time you challenge. Remember, the credit bureau would like you to quit bothering them because if you aren’t disputing the credit report, they can legally continue selling it as profitable information.

To obtain the excellent credit report service, correct your credit, get FREE online Credit Report, make your Credit Score higher or avoid becoming a Victim of Identity Theft visit Legal Helper website ( http://www.legalhelper.ws/credit-report.aspx ).

Your credit score is important for obtaining credit. Your credit score is important to know, whether you need a new credit card, an auto loan, or a mortgage. Lenders use your credit scores to decide whether you are a good credit risk. If you have a high credit score, you are more likely to obtain the best rates.

About The Author

Jeffrey Broobin is a free-lance writer on family and finance issues; his main goal is to help people during their complicated period of life.

Website: http://www.legalhelper.ws

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