Repair Credit Score

Archive for October, 2009

Question: How to check our free Credit Score Report online?

is it possible? I want to know my current Credit Score? any sites that could give me my free Credit Score Report?

Answer: if you are looking for the free Credit Score and report usa national site, check out this site

http://free-credit-report-national.com/

Here you can check your 3-in-1 Report from all three credit reporting agencies and your Credit Score rating.

Does checking my own Credit Report lower my Credit Score?

When you suspect that your Credit Report contains incorrect information, you should write a letter disputing Credit Report to the credit bureaus. In this section of Repair Credit Score, we provide a free sample letter disputing Credit Report which you can send to the credit bureaus.

What should letter disputing Credit Report contain?

The sample letter disputing Credit Report contains:

• you name and address
• name and address of the credit reporting agency whom you are sending the letter disputing Credit Report
• date of your letter disputing Credit Report
• your file or Credit Report number
• list of errors on your Credit Report
• reasons why you think those items on your Credit Report are incorrect
• what the items on your credit report should be
• ask the credit bureau to correct the errors
• ask to hear from the credit bureau within 30 days

Our sample letter disputing credit report includes all the above vital information. Below is the sample letter disputing credit report.

________________________ (your name and address) ________________________ ________________________ ________________________ (name&address of credit bureau) ________________________ ________________________ __________ (date) Dear Sir or Madam: Recently I received my credit report from your agency. My credit file or credit report number is _____________. In reviewing my credit report, I noticed that following error(s). ________________________________________________ This item is incorrect because ______________________ and should instead indicate ________________________ ________________________________________________ This item is incorrect because ______________________ and should instead indicate ________________________ ________________________________________________ This item is incorrect because ______________________ and should instead indicate ________________________ I would appreciate it if these errors could be corrected. I look forward to hearing from you within thirty days. Sincerely, ____________(sign and print your name)

The above letter is a free sample letter disputing credit report. You can modify this free sample letter disputing credit report to suit your credit dispute purposes. There are also other free sample Credit Repair letters available on various sections of our Repair Credit Score website.

Question: I need help with credit. Jobs are now looking at credit scores.?

I have been looking at a couple of new jobs in my career field, but I have recently been denied a job due to my Credit Score. I have made mistakes in the past, a long time ago. I have slowly been paying on the debts, while trying to stay on my feet and above water. I was told sometime ago or I read it I do not remember which that you could possibly recieve a new S.S.N. if you could prove undue hardship. Is this true? If not what are some other options that are available. There is so much junk on the net that promises fixes, but I have found that most of those are scams. I am looking for an honest and legitimate answer that can help me repair the current situation that I am in. Any help that I recieve will be greatly appreciated.
Thank You,

Answer: If your problems are truly in your past and you have shown at least two years of credit rehabilitation then you should be up front with any prospective employers. If you sign a consent form so that they can pull your credit, go ahead and make them aware of what they will find and what you are doing to fix it. Most employers will look past a low score if you are really trying to turn over a new leaf. The very first thing you should do however is make sure that you know what they're seeing by going to www.annualcreditreport.com and getting a copy of your Credit Report from all three agencies. You cannot get a new social security number and there are no quick fixes. Honesty is always the best policy.

Credit Bureaus - What Word Would You Use?