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| Diff Summary | |||||
|---|---|---|---|---|---|
| Title | I like to party, not | There are a few diff | |||
| Date | 2014-02-19 02:15:22 | 2014-02-19 06:36:43 | |||
| Editor | Anonymous | Anonymous | |||
| Edit | Edit this version | Edit this version | |||
| Tags | |||||
| 2014-02-19 02:15:22 by Anonymous / Edit this version | 2014-02-19 06:36:43 by Anonymous / Edit this version | ||||
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| t | 1 | I like to party, not look arieclts up online. You | t | 1 | There are a few different ways to <a href="http:// |
| > | made it happen. | > | kxoseb.com">atactk</a> this problem. First, evalua | ||
| > | te your current credit and financial situation. I | ||||
| > | don't want to tell you to go get new credit cards | ||||
| > | if you cannot afford the ones you have hence the 4 | ||||
| > | 00 score. it is only digging a deeper hole for phy | ||||
| > | sically. That said lets work on cleaning up the sc | ||||
| > | ore you have so when you are more stable and ready | ||||
| > | to re-set up your credit it will be simpler and l | ||||
| > | ess expensive. Start by requesting a copy of your | ||||
| > | credit from each of the 3 reporting agencies. if y | ||||
| > | ou have been turned down for credit int he last 30 | ||||
| > | days this is free, just send them a copy of the d | ||||
| > | enial letter you received and question for your fr | ||||
| > | ee copy. Next review each report to see if the in | ||||
| > | formation is both accurate and consistent. Believe | ||||
| > | it or not, they probably will not match each othe | ||||
| > | r 100%. If you find errors then take the steps to | ||||
| > | right them, call or write to the companies and que | ||||
| > | stion them to be corrected. if you get no response | ||||
| > | then wrote to each credit reporting agency (the p | ||||
| > | lace you received the reports from) and file a dis | ||||
| > | pute and state the reason why you are disputing as | ||||
| > | well as the account information. BE SURE THESE AR | ||||
| > | E VALID DISPUTES!!! Please do not make claims that | ||||
| > | a touch is an error just to try and have it remov | ||||
| > | ed. It will more than likely be place back on late | ||||
| > | r if you do get it off at all. Watch your inquirie | ||||
| > | s as they are a huge hit to your score. They will | ||||
| > | generally stay on for about 6 months. If you see i | ||||
| > | nquiries from companies that you never requested c | ||||
| > | redit from, contact the credit agencies and questi | ||||
| > | on them to be removed, since they are in error. Ag | ||||
| > | ain, only for those that are in error. You will be | ||||
| > | surprised how much of a difference this will make | ||||
| > | . Next you must probably evaluate your finances. D | ||||
| > | o you need new credit, or can you try and clear up | ||||
| > | some of the ancient debts first. Doing so will al | ||||
| > | so raise your score and make it simpler and cheape | ||||
| > | r to get credit down the road. Your credit is one | ||||
| > | of the most vital and valuable assets you have so | ||||
| > | protect it. | ||||
