When was the last time you checked your credit report? Last week? Last month? Last year? Never?
If your answer was not the last week or last month, why? With the FTC regulating free credit reports and Congress passing laws to assist you in keeping close tabs on your credit, why not? Your credit is like your financial social security number, it’s how credit worthy you are.
If you are very credit worthy or have good credit, then you should be watching your credit like a hawk. The FTC, BBB, and many credit issuers have started a crusade against fraud. Everywhere you look these days you see something about fraud. There are companies who guarantee you against fraud, there are cards that prevent you from being liable for fraud, and there are even courses out there about lowering your exposure to fraud. The easiest way of preventing credit fraud, is checking your credit report on a regular basis and using the laws that the law makers of this country have passed to protect yourself เครดิตฟรี กดรับเอง.
Make sure that you order and peruse your credit report for errors regularly and check it for items that you do not recognize. Dispute those items and force those creditors to validate the account to be sure they are yours. Be careful though, in this day and age debt buyers are popping up all over the place, buying debt for pennies on the dollar. So what used to be your credit card company for many years; could now actually be a company you have never heard of before.
If you find errors on your credit report, follow the instructions that were listed in your credit report on how to dispute those items and have them investigated. If you did not receive directions or a copy of the FCRA (Fair Credit Reporting Act) with your credit report, you can view your rights at the FTC website or simply do a Google search for FCRA. There is a lot of information out there to help the consumer protect themselves from fraud and credit errors.
If you find yourself in a position where you do not have the time, energy, or the fortitude to endure learning your rights and laws to protect yourself, there are companies out there who can help you. But buyer beware, there are double the bad credit repair companies for every good company. Make sure you do your research on these companies if you decide to go with them.
An often overlooked way of getting help with fixing your credit is talking to your friends and family. Credit in general is not something people discuss openly and freely. But if you start inquiring with your friends and family you may find someone who has been through the credit repair maze and done it themselves. You may even be able to tap into a goldmine of information and get personalized 1 on 1 help with fixing your credit report. As the old saying goes “…if you don’t ask, you will never know”. This saying is very true, and I cannot tell you the countless times my friends have made a mention about being in need of some help with credit repair and then having a passing comment turn into a full blown conversation.
Remember, once you learn the basics of credit repair, you will not have to relearn it over down the road. The laws and rules do change, but for the most part it will just be a refresher in the future.