Do you need credit repair?
Do you even know what is being reported on your credit report? Twenty-five percent of all credit reports contain errors serious enough to deny consumers access to credit, favorable loan rates, insurance, and in some cases a job. Many individuals are victims of identity theft, and don't even know it!
Get a copy of your credit report from each of the three major US credit reporting agencies--Equifax, Experian, and TransUnion. You are eligible to receive a free report from each of them once every 12 months. You can order your free report from all three agencies at http://www.annualcreditreport.com/. Once you have your report, check it carefully for clerical errors, negative items, and any indications of fraudulent activity. Look for personal information that is misspelled, outdated or that of a stranger, in addition to errors with credit accounts. Each credit bureau will detail on the report what you must do to dispute any item on your credit report. In some cases you must send your dispute letter with any supporting documentation several times before the matter will be fixed. Don't give up! If something is inaccurate, dispute it until it has been fixed. It can take time to correct credit report inaccuracies. Recently, it was reported that victims of identity theft spend 600 hours, on average, and more than two years to fix the mess caused by identity theives. If you don't have the time necessary to deal with these problems, contact a reputable credit repair agency. We recommend Lexington Law - Credit Report Repair, they offer legal credit repair and have 15 years experience helping consumers.
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