Friday, November 17, 2017
 

Fix Your Credit Report Errors for Free!! Client Robert Casey Testimonial

Credit report errors? Client Robert Casey describes how Attorney Gary Nitzkin fixed his credit reports and got him monetary damages, all for free!

Credit Reporting Agencies such as Trans Union, Experian and Equifax frequently make mistakes on consumers’ credit reports. About 70% of consumer credit reports contain some mistake. Chances are excellent that your credit report contains an error. Approximately 20% of these mistakes result in the denial of credit or a higher rate of interest. Some of the more common mistakes made by the credit reporting agencies include:

•Identity theft. This type of error is growing exponentially and may be the number one cause for credit reporting mistakes today.

•Mismerged information. This kind of error occurs between different people with the same name. For example, John A. Doe who lives in Montana may have his credit information placed on John A. Doe who lives in Florida. This is a very common mistake.

•Discrepancies amongst credit reporting agencies for the same debt. One credit reporting agency may report a debt as current while another might report it as delinquent.

•Delinquencies that are reported longer than 7 years. Derogatory credit information has to be removed from your credit report after seven years from the first delinquency. Sometimes a debt buyer or a collection agency “re-date” a date of last delinquency so that a derogatory stays on your credit report longer than seven years. In 2004, the Federal Trade Commission hit NCO Financial Systems with a .5 million fine for doing this very thing. A delinquent debt may not be reported longer than 7 years on your credit report. Yet, in order to force you to pay the debt at some point, some collection agencies “re-date” the beginning date of the debt so that it stays on your credit report longer.

We can get errors removed from your credit report for free.

Using the Fair Credit Reporting Act (“FCRA”), our credit repair lawyers can fix your credit for free. We will write the appropriate letter to the credit reporting agencies to get the item removed for you. If we are successful after writing a letter, you owe us nothing. If we have to sue the credit reporting agencies to get the offending trade line removed for you, you will still owe us nothing. The FCRA requires the defendants to pay your fees and costs and we look to them to do so. Of course, you can write a dispute letter to the credit reporting agencies yourself, but why would you want to when we will do it for free?

We can also get money from the credit reporting agencies for you.

Under the Fair Credit Reporting Act and the Fair and Accurate Credit Transactions Act (“FACTA”), we can get money damages for you if we have to sue the credit reporting agency to get your credit report cleaned up. You may be entitled to actual damages including emotional distress, embarrassment and humiliation. Call us for a free case evaluation.

Put our 20 years of experience to work for you.

We have filed numerous lawsuits under the Fair Credit Reporting Act. We have been highly successful for our clients and have collected large amounts of money for them. We know the law and more importantly, we know how our opponents think and evaluate cases. Put our experience to work for you and let us get your credit report cleaned up and get you paid.

If you think your rights have been violated, call Attorney Gary Nitzkin, toll free at (888) 293-2882. The call is free and the advice is free. You can also email him at gary@micreditlawyer.com. Visit our site for more information: http://www.micreditlawyer.com.

 

Car loan? Here’s what your dealer isn’t telling you

Everything you see is not always you obtain as vehicle dealers can be deceptive in disclosing the full terms of a car loan.

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By Law, Every Individual in America is Entitled to a Free Credit Report

According to the Fair Credit Reporting Act (FCRA), every individual in America is entitled to a free credit report from each of the three nationwide consumer reporting companies- Equifax, Experian, and TransUnion. In other words, you can get 3 free credit reports a year; one from Equifax, one from Experian, and one from TransUnion. You may order these reports all at the same time or you can spread it out over a period of time, like getting one every four months. If you have problematic credit and are working to re-establish a good credit rating, you might want to order your credit reports space out over a few months to see how your credit is improving. Any report that you order after the initial free reports within a 12-month period may cost you up to around $ 11.00.

There is only one website that is authorized to fill your order for the free annual credit report you are entitled to- annualcreditreport.com. All other websites that offer “free credit reports,” or “free credit scores” are not part of the free annual credit report program and usually offer these “free” reports in exchange for a service, like credit monitoring, that you have to pay for. Or sometimes they will offer a free service that will convert to one you have to pay for after a trial period, and if you don’t cancel the service within that trial period you may be subject to charges and fees.

Unlike your credit reports, there is no free way to get your credit score. You can order your credit score from any of the three major credit reporting agencies when you order your free credit report, however, they will charge you a fee for it. There is still some confusion on how much these credit scores actually cost to order, but most agree they are in the range of $ 8 – $ 16. You can also get your credit score by purchasing it directly from FICO, the Fair Isaac Corporation- this is the company that basically invented the standard format for determining the credit ratings used today. Your credit score is a number between 300 and 850 that, in essence, represents your creditworthiness. A credit score is based primarily on information from your credit report and will usually differ between each of the three credit reporting agencies.

It is noteworthy to mention that the FCRA specifies that others can access your credit report. Creditors, insurers, and other businesses that use the information in your report to evaluate your applications for credit, insurance, or renting a home, all have legal rights to access your credit report. Your employer can get a copy of your credit report as well, but only if you agree. A consumer reporting company may not provide information about you to your employer, or to a prospective employer, without your written consent.

If you still have questions about your credit report or credit score, there are countless sites on the internet that you can find using Google, or any other search engine, that can help to answer your questions. One notable site which offers facts to consumers is the Federal Trade Commission website at ftc.gov.

Dee Jurgens is the head copywriter for CyberLead, inc http://cyberleadinc.com specializing in auto sales leads http://www.carcredit.com delivering quality car loans for ten years http://myfreecreditscorenow.net Providing free credit scores for you and yours free credit score
 

How to buy your first home

Simple tips to purchase your very first residence

Subscribe to http://www.100percentfinanced.com/ and visit our web site to find out more. Purchasing your very first residence may be a daunting experience–not understanding how to qualify for home financing, where you might get the down-payment, or having an agent find you property in your price point. Watch movie for many things you want to start thinking about. Head to http://www.100percentfinanced.com/ to learn more about financing tools, credit restoration, plus!
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Consumer Credit Repair Guidelines For 2012

Come 2012, lots of people will nonetheless need to fix their particular personal credit as well as dig themselves out of debt. If you’re in the same situation, do not feel disheartened. You make an effort to repair bad credit and most of the methods that can be done aren’t complicated at all. Consider these pointers:

1. Check your report. The first step would be to check your personal credit report. Order copies of your annual credit report from the three key credit reporting agencies so that you can evaluate the status of the accounts. All people are eligible to obtain one free report every year from www.annualcreditreport.com.

Are all the charges in your credit report correct? If you will find errors or even wrong charges, you should send out a credit dispute letter towards the bureau that released your report. Cleaning up errors from your credit report will take up to 30 days since the bureau will perform its own investigation. If the dispute is valid, the actual errors will probably be corrected and also the agency will be sending an updated copy of your report for free. This step alone can easily boost your present lower credit score by a number of points.

2. Pay your creditors on time. Start the entire year right by paying all your monthly fees on time. If you seriously want to improve bad credit, you cannot afford to skip a single due date. What if you’re confronted with an exceptionally large amount of financial debt?

When paying off your entire bad debts at the same time isn’t possible, you need to prioritize your debts while focusing on paying off balances on a single account at a time. Which of your accounts has the highest interest rate? By paying off this particular account first, it is possible to prevent your debts from rapidly accumulating.

3. Negotiate your debts. You must also make an effort to work out or perhaps speak with each of your creditors. Explain to a lender your present financial situation. Some people may feel embarrassed to confess that they’re experiencing financial crisis.

Nonetheless, if lenders can see that you will are willing to the stand by your own obligations regardless of the circumstances, they will be most likely to show consideration. Many creditors have made modifications to their terms and conditions to assist the borrower get out of debt.

4. Create a suitable repayment plan. It’s crucial that you use a payment strategy that is suitable to your situation. Sum up your complete debts as well as examine it along with your month to month income. On 2012, your primary task is debt payment which means you have to work out a budget that will help you achieve that goal easier.

In case you are stuck in bad debt, the specific situation may possibly demand that you simply make key changes together with your spending habits as well as life-style, therefore prepare yourself. Keep in your mind that despite the hardships that you could come across, you’ll be able to enjoy a stress-free life once you free yourself from bad debt.

5. Seek professional counseling. It will also help if you’re able to get assistance from the experts. You should check out the particular NFCC (National Foundation for Credit Counseling) and the US Department of Justice’s (http://www.justice.gov/ust/eo/bapcpa/ccde/cc_approved.htm) website to get a set of authorized credit counseling agencies and non-profit credit counseling organizations in your area.

Suzy Vanstrusen is a credit analyst and a writer of the website http://www.ezcreditrepairsolutions.com and has been providing consumers with tips and tricks in credit repair . Check the site to help you out with your bad credit loans .
 
 
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