Articles About Getting Clean Credit

Be A Credit Detective

When Marisa Gal?n checked her credit report, she noticed accounts that were not hers, but thought nothing of it. What she didn't know, however, was that these accounts were culprits that were negatively affecting her credit-and her ability to get a loan at her local bank.

Your credit score is a reflection of every piece of information on your credit report-whether it's yours or not! Be sure to review your reports from all three credit bureaus (Experian, Equifax, and Trans Union) for accuracy once a year and several months before applying for a loan. Over 70% of individuals are victims of at least one credit error often because a report is incomplete, contains information about someone else, or is out-of date. For example, if someone else has the same name as you do, their credit information may mistakenly be included on your credit report. Don't be a victim! If you notice an error on your credit report, you have the right to have it investigated and corrected.

Credit experts at ACCION suggest that you send the credit agency a dispute letter to initiate an investigation (visit http://yourmoney.accion.org to download a sample dispute letter). Include copies (not originals) of documents that support your position and prove your identity. Send your dispute letter and all relevant documentation via certified mail. Don't remain silent: clearly identify each item in your report that you dispute, state the facts, and explain why you dispute the information, and request deletion or correction.

Credit reporting agencies must investigate the claim within 30 days, and if the information proves to be inaccurate, all three credit reporting agencies must correct the information. If an error isn't found immediately, don't give up hope- you may also contact the creditor directly to resolve the problem. As a last resort, you have the right to tell your side of the story in a 100 word explanation attached to your credit report.

So go ahead and start investigating-it's your credit, after all!

Your Money & You Staff have written a series of tax related articles. For additional information on related topics, visit http://yourmoney.accion.org

Other Article Sites

findabook.com  moneycd.info  a-mortgage.info   about-lemon-laws.info  aboutstudentloans.info
all-about-publishing.info  auctions-articles.info  bestcollege-university.com  bestispconnection.com
biblefolder.com  blogger-website.com  books-used.info  brokers-guide.info  buywindows.info  cable-dsl.info
career-miner.com  carpel-tunnel.info  cashinaflash.info  cashloanreviews.info  casinobell.com  chat-house.info
clearmycredit.info  collegeloantips.info  crones.info  depression-articles.info   dirnic.net  dishguides.info
divers-below.com  expodog.info   financewizz.com  fire-insurance.info  getgood.info  handleit.net   it-idea.info
health-supplies.info  hosting-right.com  insidealert.com  insurance-facts.info  jobs-employment.info
justgood.info  lookgold.net   lowcost-travel.info  money-source.info  myhostzone.info  numisblog.com
peoplesearchfinder.info  pr-articles.info  realeas.com   refinancing-guides.info  spyware-remove.info
telelot.info  the-law.info   toppaid.info  travel-deals.info  travelcorrect.com  wedding-guide-site.com
your-blog.info  your-credit.info

MORE ARTICLES:

Things to Know About a Student Credit Card
Financial needs of college students are unique Credit card companies have taken a notice of this and come up with student credit cards

How To Make Money Online Without A Website or List
Making money with Internet marketing is not easy.It's been said that 5% or less of net marketers make enough money to buy a decent dinner or a pizza. But those 'want-a-be net gurus' are spending the dinner money, the food money and in some sad cases going into big debt trying to find the holy grail to 6 figure incomes.

Maryland Law Firm Announces Formation of 1000 Hours Project to Assist with Nation's Foreclosure Crisis
The suburban law firm of Joseph, Greenwald & Laake, PA has created the 1000 Hours Project, designed to assist local homeowners adversely affected by the expanding foreclosure crisis. JGL, which just celebrated its 40th year in business, will donate 1000 hours of Pro Bono legal services to help local homeowners. The project is led by JGL shareholder, Barbara Jorgenson.

Review Of The Adsense Code: What Google Never Told You About Making Money With AdSense
Author: Joel Comm Morgan James Publishing, LLC 1225 Franklin Avenue, Suite 325, Garden City, NY 11530, 800-485-4943 ISBN 1-933596-70-8 $24.95, 2006, 228 pages

Articles and How To Make Money With Banner Advertisements.
It is important to effectively promote your website so that you will attract customers and they can see just what a good, quality website you have when you are trying to make money off of the articles on your website. There are several ways so market and promote your website, one of them being though banner advertisements.

How To Pick The Best Airline Credit Cards
So you want to take advantage of air miles to travel, and you are looking for the best airline credit card? Well several aspects of the card will be important to you, as they would with any card. Attributes such as APR, billing cycle, credit limit, and versatility of use. There are however three things to look for in an airline credit card that you may not have thought of:

Save Money by Grouping all Your Electrical Repair Jobs Together
Many people are greatly concerned regarding the total cost they will need to spend to have their electrical projects completed. One great way homeowners and business owners can save money on electrical repair jobs is to group the projects together and have the electrician perform all of the work at one time. The best way to ensure that you have all of your electrical needs repaired at once is to make a thorough investigation of your electrical problems and have them fixed immediately.

Refinancing Mortgage Loan - Get The Lowest Interest Rate You Can When Refinancing
Refinancing can be a very simple process. You fill out a few applications, take the best offer and you're done.

Common Factor Between Mesothelioma And Money
Apart from the common ?m?, is there anything else in common between Mesothelioma and money? This is no kidding. Mesothelioma is as valid as a legal issue as it is one of the biggest medical concerns since the last century.

Is There Money To Be Made Working At Home Online
Surveys, eBay, internet marketing, affiliates, telecommuting, service and product websites; are all unique opportunities for you to make money online. If you ask the question: Is there money to be made working at home online, the answer is an unqualified yes.

FHA Home Mortgage Purchase or Refinance Loan - Why You Might Consider Getting an FHA Loan
Most borrowers have heard of FHA home loans. They are very common.

How Writing and Submitting Articles is The Best Way to Promote Your Business and Earn Money?
If you want to earn money online, your online business needs traffic. Among all the various ways of advertising a website, article writing and submitting remains the most effective and affordable way to promote your online business.

The High Cost Of Bad Credit And What You Can Do About It
Have you being turned down for credit cards, loans or mortgages? Do you want to improve your credit rating?

Learning About Cash Back Credit Cards
Having a credit card that offers cash back or certain advantage always sounds like a good idea. What could be better than getting cash back on all the purchases that you make with your credit card? It sounds too good to be true, doesn?t it?

YNF Easy Automatic Money Machine System
After months and months of research, there is one company that stands out as the #1 Home Based Business on the Internet. The Top Rated Internet Company for Making Money is Your New Fortune. YNF Easy Automatic Money Machine gets a Gold Star for several reasons.