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Your credit report is full of personal information about you, which is why it is vital that you fix your credit report and keep it in good shape. Its impact on your life is immense. All sorts of little details like where you live, where you work, whether you pay your bills or not are recorded there. People also record whether you’ve been subject to trial, if you’ve been arrested and even whether you’ve filed for bankruptcy (at any time in the past 10 years!).
The list just goes on and on. Have you provided credit information as part of a job application? Do you have any criminal convictions? What about an unpaid judgment against you?
To top it off, not only are your creditors providing this information to the credit bureaus, but your life insurance company is getting in on the act as well. And if you applied for life insurance worth more than $150,000 there is no deadline to remove that information from your records!
Now that you know who is loading information about you onto your credit report, guess who will be reading that information — and deciding what your options are? Almost all the same people. Businesses use this information to measure you each day. Whenever you apply for credit, employment, insurance or any other purpose permitted under the Fair Credit Reporting Act (FCRA), your credit report is what they will be looking at to decide whether you can get it. can / can do. Isn’t it such a great feeling?
I hope the importance of why you should fix your credit report and keep it clean is becoming clear? With all of the different parties that send information to the credit bureaus, do you think there’s a chance someone may have mistakenly loaded an error or two in front of your name?
What if you are being punished for something you didn’t do – and you don’t even know about it? Have you thought about identity theft, all those unpaid bills, fraud and other wrongdoings that are being filed against you?
Your credit record is an important part of who you are and needs to be checked and maintained regularly. To protect yourself, you don’t need a one-time free report, you need comprehensive weapons that can check and fix your credit report over and over again. Your credit should be checked, reviewed and repaired at least annually.
While eBooks on credit repair can tell you what to do today, as laws and regulations change over time, they become more and more out of date (if they aren’t already). Credit repair is a specialized field and you need to make sure that your source of information is constantly being updated. That’s where credit repair software can help. Find a package that is reputable and regularly updated and you are away – harness the power of the internet! If you do some research you can even find one for under $100 that will handle the whole administration side for you (a real plus).
Don’t let your credit record limit your life unnecessarily, fix your credit report before it “fixes” you.
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