Amazines Free Article Archive
www.amazines.com - Friday, December 14, 2018
Read about the most recent changes and happenings at Amazines.com
Log into your account or register as a new author. Start submitting your articles right now!
Search our database for articles.
Subscribe to receive articles emailed straight to your email account. You may choose multiple categories.
View our newest articles submitted by our authors.
View our most top rated articles rated by our visitors.
* Please note that this is NOT the ARTICLE manager
Add a new EZINE, or manage your EZINE submission.
Add fresh, free web content to your site such as newest articles, web tools, and quotes with a single piece of code!
Home What's New? Submit/Manage Articles Latest Posts Top Rated Article Search
Google
Subscriptions Manage Ezines
CATEGORIES
 Article Archive
 Advertising (133272)
 Advice (160773)
 Affiliate Programs (34733)
 Art and Culture (73641)
 Automotive (145550)
 Blogs (75006)
 Boating (9841)
 Books (17129)
 Buddhism (4122)
 Business (1328035)
 Business News (426289)
 Business Opportunities (366242)
 Camping (10949)
 Career (72751)
 Christianity (15837)
 Collecting (11636)
 Communication (115049)
 Computers (241940)
 Construction (38970)
 Consumer (49645)
 Cooking (17058)
 Copywriting (6567)
 Crafts (18210)
 Cuisine (7535)
 Current Affairs (20373)
 Dating (45769)
 EBooks (19684)
 E-Commerce (48190)
 Education (185126)
 Electronics (83431)
 Email (6389)
 Entertainment (159786)
 Environment (28928)
 Ezine (3038)
 Ezine Publishing (5443)
 Ezine Sites (1552)
 Family & Parenting (110881)
 Fashion & Cosmetics (196378)
 Female Entrepreneurs (11840)
 Feng Shui (130)
 Finance & Investment (310216)
 Fitness (105822)
 Food & Beverages (62819)
 Free Web Resources (7936)
 Gambling (30211)
 Gardening (25064)
 Government (10517)
 Health (629046)
 Hinduism (2160)
 Hobbies (44026)
 Home Business (91542)
 Home Improvement (251226)
 Home Repair (46099)
 Humor (4805)
 Import - Export (5444)
 Insurance (45093)
 Interior Design (29541)
 International Property (3485)
 Internet (190953)
 Internet Marketing (146282)
 Investment (22822)
 Islam (1168)
 Judaism (1357)
 Law (80450)
 Link Popularity (4592)
 Manufacturing (20809)
 Marketing (98728)
 MLM (14136)
 Motivation (18211)
 Music (26997)
 New to the Internet (9475)
 Non-Profit Organizations (4048)
 Online Shopping (129604)
 Organizing (7797)
 Party Ideas (11854)
 Pets (38083)
 Poetry (2234)
 Press Release (12667)
 Public Speaking (5620)
 Publishing (7522)
 Quotes (2407)
 Real Estate (126602)
 Recreation & Leisure (95239)
 Relationships (87432)
 Research (16153)
 Sales (80293)
 Science & Technology (110125)
 Search Engines (23445)
 Self Improvement (153070)
 Seniors (6221)
 Sexuality (35935)
 Small Business (49277)
 Software (82919)
 Spiritual (23460)
 Sports (116459)
 Tax (7658)
 Telecommuting (34074)
 Travel & Tourism (306921)
 UK Property Investment (3117)
 Video Games (13420)
 Web Traffic (11723)
 Website Design (56784)
 Website Promotion (36556)
 World News (1000+)
 Writing (35758)
Author Spotlight
MOBILE STYLES

Mobile Styles, the leading on-demand Beauty & Health app in the U.S. delivers talented professionals...more
INNES DONALDSON

Offering freelance SEO and content writing services plus much more to businesses across the UK and i...more
INNES DONALDSON

Fresco Creative offer freelance SEO and Online Marketing solutions to businesses large and small acr...more
ROBERT HOWARD

The Word of God is as, “Sweet as Honey”. God has Taken Me Through a Whole Lot of Things...more
ADRIAN JOELE

I have been involved in nutrition and weight management for over 12 years and I like to share my kn...more


Seeking Credit Information - The First Step Towards Financial Recovery by Mike Selvon






Article Author Biography
Seeking Credit Information - The First Step Towards Financial Recovery by
Article Posted: 09/25/2008
Article Views: 220
Articles Written: 2559
Word Count: 608
Article Votes: 0
AddThis Social Bookmark Button

Seeking Credit Information - The First Step Towards Financial Recovery


 
Finance & Investment
You can repair your credit information if you have the know-how and the tenacity. Often, it involves calling your lenders, creditors and collection agencies to barter and negotiate with them. You may have to send them a letter or hassle them every single month until an item is removed, but you can often get lesser items off your report.

Things like charge-offs, collections accounts, settlements and late payments can all be negotiated. Sometimes, people hire a credit counselor or debt relief company to manage these negotiations for them. If you have a bankruptcy, foreclosure, lien or judgment against you, then this negative credit information will be on your account for 7-10 years without much you can do. But for the rest, you may want to micromanage a little to see what you can get.

Sometimes, you may look at your free credit scores and credit information only to find it rife with errors. First, get your free credit scores online from Equifax, Experian and TransUnion at "Annual Credit Report", then print them out and highlight any negative information. Circle disputed records.

Check the expiration dates of the records. Bankruptcy filing records should have expired 10 years after the first filing date, charge-offs should be gone within 7 years, collection records should expire within 7 years and 180 days after the last late payment, closed accounts should be removed in 7 years, foreclosure records last for 7 years, inquiries will remain on your credit report for 1-2 years but will not hurt your overall score, judgments/court decisions will remain for 7 years after the filing date, late payments of more than 30 days remain for 7 years, repossession records persist for 7 years and tax liens can remain indefinitely, if unpaid, or else 7 years from the paid date.

To file a dispute about your credit information, you can write a dispute letter to each of the three major credit bureaus, which are Equifax, Experian and TransUnion. On the letter, include the date, your name, address, phone number and social security number. Just write "The following data is incorrect and should be updated," then list each inaccuracy, explaining why it's wrong and what it should be updated with.

Attach a marked copy of your credit score report and include any communication, account records or statements that can help verify your version of the truth. Mail is the best way to dispute with Equifax and TransUnion, while Experian only allows online disputes. The credit bureaus then have 30 days to investigate and repair your credit info.

Once it's finished, they will send you a letter including what was or was not updated. If you're not satisfied with the results, then you can try to resubmit with different documentation or go directly to the creditor to resolve.

There's no tool greater than credit information. If you've suffered poor credit scores in the past, then you can still rebound from a foreclosure or collection account by paying regular bills in full and on-time. The best way to stay ahead is to bring in more income, see where your spending problems lie and save sufficiently.

"What works" in this department varies for each person. Some need to put the money out of sight, out of mind, while others can manage it in their checking account. Whether it was a one-time "oops" or a pattern of "I didn't know," seeking credit info is the first step toward financial recovery.

Mike Selvon's portal will expand your knowledge on the credit information and borrowing power. Visit us and leave a comment at our credit score factors blog where a free gift awaits you.

Related Articles - credit information, free credit scores, free credit scores online, your credit score, poor credit scores,







Email this Article to a Friend!

Receive Articles like this one direct to your email box!
Subscribe for free today!

 Rate This Article  
Completely useless, should be removed from directory.
Minimal useful information.
Decent and informative.
Great article, very informative and helpful.
A 'Must Read'.

 

Do you Agree or Disagree? Have a Comment? POST IT!

 Reader Opinions 
Submit your comments and they will be posted here.
Make this comment or to the Author only:
Name:
Email:
*Your email will NOT be posted. This is for administrative purposes only.
Comments: *Your Comments WILL be posted to the AUTHOR ONLY if you select PRIVATE and to this PUBLIC PAGE if you select PUBLIC, so write accordingly.
 
Please enter the code in the image:



 Author Login 
LOGIN
Register for Author Account

 

Advertiser Login

 

ADVERTISE HERE NOW!
   Limited Time $60 Offer!
   90  Days-1.5 Million Views  

 

Great Paranormal Romance

World News


LAURA JEEVES

At LeadGenerators, we specialise in content-led Online Marketing Strategies for our clients in the t...more
STEPHEN BYE

Steve Bye is currently a fiction writer, who published his first novel, ‘Looking Forward Through The...more
GENE MYERS

Author of four books and two screenplays; frequent magazine contributor. I have four other books "in...more
SUSAN FRIESEN

Susan Friesen, founder of the award-winning web development and digital marketing firm eVision Media...more
NANETTE VICTORIA

Nanette Victoria Spiritual Coach and Intuitive Guide (over 27 years experience) Spiritual Ministe...more
MICHAEL BRESCIANI

Rev Bresciani is the author of two Christian books. One book is an important and concisely written b...more
JAVIER VBOIX

For the time being just a newbie in the Insurance Industry but a quick learner, soon-to-be expert Ja...more
SANDY FISCHEL

Sandy Fischel is the marketing director at And Above All YOGA, a wholly owned division of The Fische...more
CHRISTOPHER EVANS

Christopher is based in the U.K. and is the author and founder of Critical Eye. ...more
STEVERT MCKENZIE

Stevert Mckenzie, Travel Enthusiast. ...more

HomeLinksAbout UsContact UsTerms of UsePrivacy PolicyFAQResources
Copyright © 2018, All rights reserved.
Some pages may contain portions of text relating to certain topics obtained from wikipedia.org under the GNU FDL license