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You Can Clean Up Credit Report It's worth it to clean up credit report and increase your credit scores. Higher credit scores mean you get to keep more money each month. Instead of paying higher interest rates for your purchases, why not raise your credit score? You can do this easily without too much of an expense. If you are using clean credit software, you can view your credit reports online and figure out just what is needed to begin on the road to higher credit scores. The way to raise credit scores is to get copies of your credit report & scores. The Fair Credit Reporting Act allows consumers the opportunity to receive a copy of their report once every twelve months. If you have used this opportunity up, but asking for a free report in less time than twelve months, you will have to pay for your credit reports. The only other opportunity to get a free credit report is to have been denied credit. If this is the case, contact the credit reporting bureau and request a free copy. You must state that you have been denied credit, a fact that may end up in your credit report. No matter how you get your credit reports, you will have to pay for the credit scores. Unless you are using an online credit repair software, like AVAIL, you will be required to fork over money to get the precious number. You need this number because it is the benchmark of your credit standing. Keep in mind that credit is dynamic and not static. This means that your credit score will change as your activity allows. If you pay late your scores will go down. If you remove negative marks in your file, your score will increase. As creditors report your activity, the software used by each bureau recalculates the number to best reflect your risk as a borrower. Many people feel that a credit score is reflective of who they are. This is causing a lot of depression around the nation as people succomb to the events of the economy and feel as though they will never dig themselves out of the economic pit that has been created. You should know that a credit score is just a prediction of what you will do in the future. The number has absolutely no bearing on your age, your race, gender or even where you live. The software calculating your score also doesn't care how much money you have in the bank or under your pillow. You may in fact have plenty of savings. Perhaps you have enough to purchase an automobile outright, but you may not be able to qualify for a car loan with a decent interest rate. This means you are a poor credit risk and this fact has nothing to do with the amount of money you have in the bank-or under the mattress for that matter. The way to clean up your credit report is to first get current copies of your credit report. Remember that credit is changing everyday. Today's FICO score will not be the same as it was last month because your financial activity has changed. You also need copies of your scores. If you have to pay extra for this information, do so because you need this starting point. After gathering this information, study it carefully. There are a lot of codes and abbreviations used make sense only to lenders and to people in the financial field. Although credit reporting bureau's have come a long ways in terms of making reports easier to understand, you should also know thatcredit reports were not created for consumers. It has only been in recent years that consumers have demanded a more responsible response from the bureaus. Experian, in my opinion, has made the futhest strides, but Equifax and Transunion are still creating reports that are difficult to understand. Reporting errors should be disputed by means of a dispute letter. This credit dispute is simple to create and many consumers think there is some magic form, when there really is not. State the information as factually as you can. Do not write a novel. Simply state the information is incorrect and you wish for the account to be ciorrected or deleted, depending on the account in question. The AVAIL online expert credit software will do many of these duties for you. The secure software is accessed online and many credit reporting errors are uncovered for you. If you wish to write a dispute letter, there is no need to look for an address or even wonder what to say in the letter. the dispute letter is written for you from the click of the mouse. All you have to do is sign and mail.
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