CreditRepair.YourCreditAttorney.com – Steps to take to improve your credit score after becoming a victim of identity theft or fraudulent activity
Posts Tagged ‘credit repair’
Improve Credit Score – After Identity Theft
Wednesday, June 23rd, 2010
Why Talk To Credit Reporting Agencies First
Monday, May 31st, 2010
Why you should dispute all errors in your credit report with CRAs (Credit Reporting Agencies) first before disputing it with your lender. For simple one-time late records in most cases you don’t have to do a dispute, because just one phone call to the original lender is usually enough to resolve the case. But for more complex situations it is recommended to start the dispute with the Credit Reporting Agencies (CRAs) first. Why? First because it maybe the only step that’s required. The agency will try to verify information with the lender and correct as needed. If the lender can not verify the record – the record will be removed – and you don’t have to do anything else. Second, if the record gets verified and stays – you now have the proof that erroneous informaion comes from the lender or collector – and you can request them to investigate and remove the error. By law (FCRA – Fair Credit Reporting Act – see www.101creditrepair.com ) they have to remove the error (or you can sue them). You can call the lender and ask what information they have on file to support the record. You may need to escalate to a manager or to their legal department. If they can’t present documentation to support their case – they must remove the record. It is usually a good idea to ask them to send messages to all Credit Reporting Agencies to remove the record – and also to give you a letter stating that this record was erroneous and should be removed. You may need this letter later if the record …
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Credit Report Repair
Saturday, May 29th, 2010
www.AttractiveCredit.com or call 800-605-9085 for FREE consultation. Please rate, subscribe and comment. Thanks! credit report repair, improve credit scores fast, Credit Restoration, Repair Credit Score, Rebuild Credit, credit repair, improve credit, improve credit score, increase credit…
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Credit Repair – How to increase your credit score with 3 simple tips
Wednesday, May 19th, 2010www.boiseidaho-realestate.com This is an informational video that gives you three simple tips that can help you improve your credit score immediately. The website to stop receiving junk mail is www.optoutprescreen.com. Your credit score results may vary depending on your specific situation and it can take up to a month for certain items to reflect in your credit score. These credit score improving tips can give different results for every person, hence improving from 5 to 50 points for opt-out prescreen. For more specific information, head to http and contact Chase Craig. Subscribe for future videos on similar topics. I will also have a follow up video on other more in depth ways that you can improve your credit score.
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How Resellers Improve Credit Scores For Mortgage Buyers
Monday, May 17th, 2010How Resellers Improve Credit Scores For Mortgage Buyers Big mortgage companies was pressing CRAs (Credit Reporting Agencies) to allow fast re-scoring for their clients to get them approved for mortgage. As a result now we have a 3rd party facilitators called “resellers”. Resellers help mortgage prospects to improve their credit score. They are paid by mortgage lenders. They are not allowed to advertise their services to general public. Resellers can achieve fast results because they receive “preferred” fast service from CRAs (they don’t have to wait 30 days), and because they concentrate on activity which provides fast results. You can achieve the same results (it will take just couple of weeks longer). Here are the main focus points: (1) Late payments – make “Good will” request to the lender (credit card company) to remove it. (2) Make a payment on an account – and get a signed letter. (3) Maxed out or high balance on revolving account (more than 30-35%) – pay, get a letter. (4) Account that has been paid in full, but shown as having a balance – request a letter from the creditor confirming that the account is paid in full. Be careful about old ‘charge-offs’: if they are old – better let them stay ‘as is’. For more details why look here: www.101creditrepair.com (5) Account which is not yours – dispute. (6) Records which are too old (for example, an account beyond 7 year limit) – ask to remove (7) Other accounts that should not be in report, for example a collection that …
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