Get Your Free Credit Report

Many people are recognizing the importance of checking their own credit report to verify its accuracy and to make sure that they know where they stand in the credit world. Until they begin the process to obtain a copy of their credit report, some people do not realize that they actually have three credit reports instead of just one.

1. You want to protect yourself from identity theft
2. Information you provide us through customer service correspondence and general feedback
3. You’ve been a victim of identity theft
4. Your mail has been tampered with or stolen
5. Your credit card number has been stolen

Disputing a credit report, removing a judgment or generally repairing your credit does not have to be such a drag or a mission impossible. You can engage the services of professionals to take the burden off you while achieving results you may never be able to achieve on your own. Save yourself the heartache and disappointment of having you credit bureau dispute letter rejected or not processed by allowing professional handle it for you.

Judgements on Credit Reports .

I took out a loan about 10 to 11 years ago with the girl I was living with. I worked out. on boats for 30 to 45 days at a hitch. She was getting my payroll checks and cashing. I thought my bank note was being paid, but it wasn't. Judgements on Credit Reports . Judgments will remain on a credit report for the required 7 years regardless of the status. How do you remove a judgment from your credit report, nMost judgments are renewable and therefore can be reentered on a credit report and remain an idefinite period of time.

In some states, you will most likely not be dealing directly with the major credit bureaus. Instead, the agency has another company which handles consumer relations. For example, disputes to your Equifax report in Texas will not be handled directly with them. They will actually be handled through an agency called CSC Credit Services, adding another party to the mix and causing more delay. All of these frustrations are never fun to go through, and are a very good reason to get your credit report more than once a year. This way, you can catch errors quickly, and perhaps get them cleared up quickly. The older an error, the more time it will take to clear up.

Include copies of any documents you have to support your position, but do not include originals as you need these for your files. It is also a good idea to include a copy of your file from the bureau with the items you are challenging circled so that there are no questions. By law, they must investigate within 30 days.

You may be asking why you should get a copy of your credit bureau report from each of these agencies separately, and the answer is because they are all different. Some of your creditors report to only one of them, some report to two of them, and for your higher type of loans such as a mortgage, they report your credit history to all three of them.