How You Can Be the Detective
of Your Financial Future
Have you ever heard the phrase “What you don't know can hurt you?” Well, when it comes to credit reporting mistakes, what you don't know becomes downright expensive. Credit reporting mistakes can contribute to low credit scores and subsequent denial of credit for mortgages, auto loans, or credit cards. They are also a major headache and could cost you more than just money. This book provides step by step instructions on how to review and dispute errors found within your credit report.
I have used the instructions in the eBook and was pleasantly surprised at the results that I got. The letter template was easy to use and I was able to dispute inaccurate items in my report. Thank you for this awesome guide.
Michael J.
Musician
The information in the book was very helpful. I had no idea I had so many mistakes on my credit report. I would encourage everyone to go through this exercise because it is in your best interest to know if the information is correct.
Dennise C.
Travel Agent
What’s your credit costing you?
With a low score, you could be spending thousands of dollars more on interest over the lifetime of your loan.
BENEFITS OF HIGHER SCORES
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Generally, loan applicants with good credit qualify for larger loan amounts with lower interest rates.
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If you decide to rent, landlords will use your credit score in deciding whether to rent to you.
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Having a high score can help you qualify for lower insurance premiums on car insurance.
FREQUENTLY ASKED QUESTIONS
Do you ever feel overwhelmed? Like there’s not enough time and energy to achieve your goals? That feeling of being stuck is one we have all experienced. However, while it can be difficult, the truth is that knowledge is an incredibly powerful tool that can be used in our favor - unlocking the potential to do remarkable things. When applied correctly and with effort, knowledge provides us with a path forward - towards greater success. In this book, I will share how harnessing the power of credit reporting knowledge can help you unlock your potential and reach new heights!
What is credit restoration?
Credit repair is the act of restoring or correcting poor credit profiles. It involves communicating with the credit bureaus and creditors to reinvistage trade lines that are reporting inaccurately or that may not meet the required reporting standards.
What is a credit report and what information does it contain?
Your credit report is a digital or paper document that shows a detailed breakdown of your credit activity. On your credit report, you can see your history of paying bills, current loans, lines of credit, and other financial information. Your credit report will also show negative marks such as missed payments or bankruptcy filings. Your creditors report your information to the three major credit bureaus—Equifax, Experian, and TransUnion—which use this data to create and maintain your credit report.
Why checking your own credit is smart?
While a credit check when you apply for credit can cause your score to dip, checking your own credit has no or very little effect on your score. It’s perfectly safe, and it's a great way to know ahead of time what a lender will see and whether you are likely to qualify.
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