OnlineCreditProfessor.com-Credit Repair Agencies Can Help Improve Your Credit Score - Identity Theft Prevention

OnlineCreditProfessor.com
Credit Repair Agencies Can Help Improve Your Credit Score - Identity Theft Prevention
Excellent advice for determining if you need to use a credit repair agency to fix your credit.
This entry was posted on 2/12/2007 8:55 AM and is filed under Credit Repair,Credit Report,Bad Credit,Credit,Credit Score,Identity Theft.
Credit Repair Agencies Can Help Improve Your Credit Score - Identity Theft Prevention
"There are so many negative consequences to having bad credit. With bad credit you will have difficulty receiving credit, pay higher interest rates, and have difficulty getting employment or an apartment. In addition, bad credit can make it more difficult to obtain insurance, and with bad credit you will usually pay higher premiums.
There are several options avaiable for fixing your credit report ; however, we recommend that you speak to some experts before you decide on which course of action to take. Some of the better credit repair agencies are law firms who specialize in credit and credit repair.
New laws allow you to obtain at least one copy of your credit report from the three credit reporting agencies once per year for free. Start there first. The three credit bureaus are Equifax, Experian and Transunion. Get copies of your credit reports from each agency, and go over them with a fine-toothed comp for mistakes.
Make a list of any mistakes you find and send that list to credit bureaus. You are also looking for any fraud related activities. You'll find the instructions for doing this listed on each credit report. If there are any negatives items listed on the report whether you are liable or not, dispute them as well. If the creditor does not respond within 30 days, these negatives listings can be removed.
There are credit repair companies that will do this for you. Some credit repair services offer “No Risk” money back guarantees if negatives are not removed. You may only have to pay if negative items are removed.
There are also services available to monitor your credit and your identity. They notify you when any changes occur in your credit record and provide you free credit reports. In addition, services to protect your identity can prevent identity theft , the fastest growing crime in the US.
It is well worth your time to investigate and guard your credit. This could save you a lot of headaches in the future. "
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Tags: bad credit report repair, identity theft prevention, improve credit score