Credit Repair Secrets * Free Credit Repair * Credit Report Score * Credit Dispute Letter

Consumers have the right to check into their credit reports at any time. The Fair Credit Reporting Act clearly states that errors and false charges can be disputed. The three credit report firms (Equifax, Experian, TransUnion) must respond to consumer disputes by conducting their own investigation on the matter.

If you have just been denied credit by a lender, you should immediately check your personal credit report to make sure that unauthorized charges are not the reason why your application did not get approved. Also, if you recently received a call from a lender or a credit card Issuer informing you about past due charges that you do not know about, there is a possibility that you have been a victim of Identity theft. What should you do?

When is it best to obtain a copy of your credit report? The best time is at least six months prior to submitting your credit application. Why so? Looking at your personal credit report ahead of time will give you the chance to take the necessary action, in case you may need improvement with your credit score or if there are errors in your report. Hence, you can avoid getting declined by a lender.

Under the Fair Credit Reporting Act, consumers have the right to negative records found in their credit reports. This can be done by sending a dispute letter to the credit bureau who issued the report. The Law requires credit reporting agencies to act upon consumer credit disputes by conducting an investigation on the issue. Here [...]

Consumers are advised to check their credit reports before submitting application to any lender. In this article, let’s discuss how you can check your credit report and what you can do about errors in your report. Checking Your Credit Score Since the Fair and Accurate Credit Transactions Act took effect, consumers are entitled to get [...]