Credit report and correction techniques

1. Credit Report And
Correction Techniques
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The three major credit bureaus, Experian,
Equifax and Trans Union are similar and feature
a "Credit Score", which is created from credit
report data submitted to them about you. Their
report includes where you live, your bill-paying
habits, and bankruptcy and arrest information.
The information compiled by them is used to
determine whether you would be a good
borrower. It may also be used by a business to
decide whether you would be a good employee.

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Credit report repair involves techniques
for removing negative credit records from
your credit report. These are the exact
same methods credit score repair clinics
and attorneys may charge up to $3,500 to
perform. It is also possible to outsmart
creditors who are damaging your credit
score.

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1. Many times the creditor does not re-
verify in time or the credit bureau is busy
and does not handle your dispute
properly. This credit record must then be
deleted from your credit report.

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2. Every negative credit record on your
credit report can be negated by you at any
time. The credit bureau must reinvestigate
and if that item cannot be verified within a
reasonable amount of time, that credit
record must be removed from the credit
file (credit report).

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3. Challenged credit record when
challenged can be erased by mistake.

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4. The credit bureau must prove each
credit record on your credit report. If this is
not possible, it must be stricken from the
credit report. So, if the credit bureau
cannot verify the credit record when
investigated, it must be removed from your
credit file (credit report) even if it is true.

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5. It is possible that a very old credit
records cannot be verified because
records may no longer exist after 1 or 2
years on credit report.

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To obtain the excellent credit report
service, correct your credit, get FREE
online Credit Report, make your Credit
Score higher or avoid becoming a Victim
of Identity Theft visit Legalhelper.ws
By: Virginia Broobin

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