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I constantly tell clients if they are going to apply for a loan, lease or credit card to first make sure they have pulled their most recent credit report. Well I ignored my own advice to my own detriment.

I got turned down this morning for a card based on the fact that I’m carrying too much revolving debt, in spite of having scores well in the mid 700’s! A good score doesn’t go as far as it used to!

If I had had FreeCreditReport.com from Experian
I would have checked to see if my recent payments had posted & my credit report now reflected my new low revolving balance status before applying. I had given my payment nearly a month to post so I thought it was ok to apply. I was wrong. They only send in their tapes for updating once a month and I had applied about a week too soon. As I spoke with the woman at AMEX I was surprised again to learn that she felt I should actually wait 2 or 3 months before applying again because I had been carrying a few large balances for the last 4 months.

Lesson Learned!

In today’s credit crisis having good scores is only 1 piece of the credit approval process. They are actively looking at HOW MUCH of your credit is revolving. If I had taken the time to sign up and do a quick check before applying I could have avoided the inquiry on my credit and subsequent turn down.

FreeCreditReport.com from Experian

boast a quick and easy sign up and in less than 5 mins I could see all 3 scores.

Examining your credit report early has another advantage. It puts you in a much better position to negotiate with a potential creditor and request for lower rates. Needless to say, if you are aware of your credit standing, you can be more confident in negotiating with a lender.

But what happens if you found out that you have poor credit? Ordering a copy of your report at least six months before sending in your application gives you more time to work for the improvement of your current score. Within six months, you can take positive action to raise your credit score. For instance, you can pay off your past due bills and be more consistent with your upcoming payments. Doing so will surely improve your credit standing.

After six months, order a new copy of your credit report to check your progress. Bear in mind that even the slightest improvement can make the difference in getting a lower rate or a higher loan amount from a creditor.

Should you order your credit report only if you want to apply for a loan or a credit card? It is recommended to check your personal credit report at least twice a year. Reviewing your report is your best protection against identity theft and fraud.

All consumers are entitled to get one a credit report each year. Visit to get your credit report. If your requesting your second copy or additional copies, the fee cost ranges from $9-$15, depending on the credit reporting agency. Remember that the three major credit bureaus- Experian, Equifax and Trans Union- each have their separate reports so it’s best that you get copy of your credit report from each of these bureaus.

In addition, if you have been a victim of fraud or ID theft, or if you are unemployed, you can request for a free copy of your report.

Should you find errors in your report, exercise your right to dispute inaccurate reporting. Send a letter of dispute to the credit bureau that issued your report so that an investigation can be started immediately. Upon receiving your dispute letter, the credit bureau has 30 days to respond to your complaint.

Your Credit Report

Your personal credit report is divided in four sections – personal identity, credit history, public records (if any), and credit inquiries made by lenders, insurers, and other sources where you may have submitted a credit application.

The first section contains personal details such as your full name, past and previous residences, employment history, Social Security Number, Driver’s License Number, etc.

The second section is credit history. Here, all your transactions with creditors are recorded such as the type of account you have, the amount of debt you have, your payments, balances, etc.

The third part is the public records section. This is where you can find legal remarks or court judgments such as tax liens, bankruptcy, foreclosures, etc. Ideally, this part of your report should be blank or free from any derogatory remark.

The last section is where you can check all inquiries made by potential creditors, insurers, employers and other companies to whom you may have submitted an application. You may also find other inquiries from companies who are interested in offering you credit even if you did not submit an application. These inquiries are called “soft” inquiries and will not damage your credit score.

Your Credit Report Score

The FICO system is used to calculate credit history. It ranges from a low score of 300 to a high of 850. Lending companies have varying qualifications when it comes to approving credit ratings. Generally, a score of 700-750 is considered as good while a score of 750-800, excellent.

Of course, if you have a higher credit score, you are more likely to get the quickest approval. Furthermore, an impressive rating gives you the power to make demands such as a lower interest rate, a higher credit limit, and more flexible terms.

A score of 650-700 is regarded as fair which means your application may or may not get approved, depending on the lender’s credit standards. A score that falls below 650 or 600 is obviously a bad score. If you have poor credit rating, your only chance of getting approved is to apply with a subprime lender.

Improving Your Credit Report Score

If you’re planning to apply for a credit card or a loan, order a copy of your credit report before submitting application. What can you do if you have bad credit?

You can improve your credit rating by paying off past due charges in your accounts. If it’s not possible for you to pay all your debts at once, call up your creditor and negotiate for an easier repayment term.

If you are struggling with debt, you can also get a free credit repair guide from a trusted non-profit credit counseling agency nearest to you.

Protect Yourself from ID Theft

One way to make sure that no one is opening new accounts under your name or using your account for unauthorized transactions is to check your credit report at least twice a year.

Under The Fair Credit Report Act , all consumers are entitled to one credit report for free each year. To claim your credit report score, visit www.annualcreditreport.com- a website supported by three major credit bureaus – Equifax, Experian, Trans Union.

Your credit report contains all information about your accounts – be it a credit card account, personal loan, car loan, mortgage, etc. It shows the type of credit you have, the amount of debt you owe, the payment you’ve made, etc.

Aside from your payment history, your report also contains basic information about you such as your full name, residence, employment history, Social Security Number, etc. Another section will reveal all the companies that inquired your report. The last part of your report should empty unless you have a record of bankruptcy, alimony, tax liens, etc.

Your Free Credit Repair Guide

Your credit report contains all information about your accounts – be it a credit card account, personal loan, car loan, mortgage, etc. It shows the type of credit you have, the amount of debt you owe, the payment you’ve made, etc.

Aside from your payment history, your report also contains basic information about you such as your full name, residence, employment history, Social Security Number, etc. Another section will reveal all the companies that inquired your report. The last part of your report should empty unless you have a record of bankruptcy, alimony, tax liens, etc.

Check every detail in your credit report. If you find unauthorized charges, call the creditor involved to dispute the charges. The next step is to send a dispute letter to the bureau that issued your report. Point out the charges in question and enclose copies of documents that support your claim. Send your letter via registered mail to ensure that it will not be lost along the way.

Upon receiving your dispute letter, the credit bureau must immediately begin an investigation regarding your complaint. You may need to wait up to 30 days before the matter can be corrected. Once your dispute has been proven, the bureau will send you an updated copy of your report for free. On the other hand, if you do not receive any response from the bureau within 15 days after submitting your dispute letter, you must send a follow-up letter, reminding them of their duty to respond to a customer dispute.

There are other agencies that provide credit reporting but there are only three major credit bureaus in the United States. These are Equifax, Experian and Trans Union. These companies are the leading credit reporting bureaus that you can order your credit report from. Some individuals have the idea that all three agencies are the same. In fact, each agency is a separate firm that does its own credit reporting.

When you order a copy of your report from Equifax, it may not be identical to the report released by Experian or Trans Union. Once you apply for a loan or a credit card, a potential creditor may inquire your credit history from any one these three agencies. Keeping this in mind, it is suggested to obtain a copy of your personal credit report from each of the three credit bureaus. By doing this, you’ll be able to examine the accuracy of your report and make sure that all faults will be corrected. Hence, when a potential lender asks for for your credit report, you can be confident that they will be getting precise information about your credit.

The Fair Credit Reporting Act entitles all consumers one credit report from each of the three credit bureaus each year. You can get your own copy by visiting www.annualfreecreditreport.com. Those who believe to have been victimized by fraud or identity theft ; those who have been denied credit; and people who are out of work and are preparing to look for a job within the next 60 days can ask for a copy of their credit report free. On the other hand, you can purchase a copy of your report at any time at $9.00 from each bureau.

Glitches, errors and discrepancies are typical concerns in credit file. The federal law mandates the three major credit bureausto conduct an investigation and take immediate action if an individual disputes the information in his/her credit report. Upon receiving the dispute letter, the credit bureau must get in touch with the lender involved immediately and explain the problem. The investigation must only take a maximum of 30 days and the consumer must be sent an answer within this time period.

If your dispute turns out to be valid, the credit bureau that performed the investigation will inform other bureaus for them to update their own reports accordingly. The bureau must also send the complainant an updated copy of the credit report free of charge. Nonetheless, if the issue has not been solved, the credit agency must still notify the complainant regarding the result of the investigation.

Credit reporting is a serious responsibility and if a bureau fails to carry out its duty, remember that you have the right to file a complaint against that agency through the Federal Trade Commission.

Upfront payment. A genuine credit repair or credit counselling agency must never demand for upfront payment before providing service as it is a direct violation of the laws stipulated in the Credit Repair Organizations Act.

Advises you to lie or use false information. If your credit counsellor encourages you to violate the law, then obviously you are dealing with the wrong agency. For instance, you may be told to declare a different Social Security Number or use your EIN (Employer Identification Number) to change your credit identity.
Lying or using false information to get away from your obligations will not resolve the problem. It will only put you in far worse situation. In the end, you will find yourself in an even bigger dilemma than you are in right now. In fact, you will be charged and prosecuted for the crime of fraud.

Promises to instantly fix your credit history. If the charges in your credit report are accurate, there is no way you or any of the three credit report agencies can erase those charges. The only way you can regain good credit standing is by paying your creditors.

You are not told about your rights. A real credit counsellor must first and foremost explain to you your consumer rights based on the Fair Credit Reporting Act (FCRA). Before signing up with the credit repair service, you should be handed a copy of the Consumer Credit File Rights Under State and Federal Law. See to it that your contract clearly stipulates the exact credit repair service you will be provided, the estimated length of time before you can see result, and all the fees that you are expected to submit.

You are not given practical advice. The truth is, there are a lot of steps that you can do to help yourself without spending a penny. For instance, you are entitled to receive a copy of your credit report for free if you suspect to be a victim of fraud or ID theft; if you have been denied credit or employment; or if you are unemployed and plan to find a job within 60 days.

Did you know that you can get a copy of your credit report on your own simply by visiting www.annualcreditreport.com/? The website is supported by the three credit report agencies— Equifax, Experian, and TransUnion. You may also call 1-877-322-8228 or fill out the Annual Credit Report Request Form and send it to:
Annual Credit Report Request Service
P.O. Box 105281
Atlanta, GA 30348-5281

In addition, you have the right to dispute unauthorized charges or errors in your report. You can do this on your own by sending a dispute letter to the bureau that issued your report. Upon receiving your complaint, the bureau shall have 30 days to complete an investigation regarding your issue. If your dispute is found valid, you will also be sent an updated copy of your credit report for free.

It is not uncommon for credit agencies to make with their reporting. Sometimes the creditors who report your payment activities could be the ones at fault. However, there are cases when false information implies that the owner of the credit report has been a victim of identity theft or fraud. In any of these situations, you have the right to dispute.

Listed below are the correct steps when disputing errors in your credit report.

Compose a dispute letter. There are sample dispute letters online that you can use as a guide to creating your own. However, make sure that you are making a valid complaint. DO not include a very long explanation as to why you think the charges in your report are not valid. Make your letter precise, clear and straight to the point.

Observe professionalism. Don’t forget to follow the steps on writing a business letter. Make sure that your full name, complete address, phone number are provided. Observe proper salutation and formatting.

Send via registered post mail. Send your dispute letter through a registered post mail to make sure that you can be notified when your letter reaches the credit reporting agency.

Keep all documents for your reference. Keep all forms of your correspondence with your creditors or the credit bureau in a safe place. Compile these documents in a folder as these will be valuable references for you.

Wait for up to 30 days. Upon receiving your dispute letter, the credit agency must start an investigation that can take up to 30 days. If the dispute is found to be valid, the incorrect details must be removed from your credit report. The credit reporting agency will send you the result of the investigation along with an updated copy of your credit report.

Good luck in improving your credit!

If you have any questions, please feel free to use the form below. Please note that we do not provide one on one credit repair consultations. Please consult one of the legal law firms we provide on this site.

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