Ryan asked:


If you are about to dispute credit report errors, here are some tips to get the results you want quickly.

1. Review your credit report periodically and be prepared to dispute credit report errors. It is common for information on your credit report to be inaccurate, and it can affect your ability to get a loan and the amount you have to pay to borrow money.

2. Only order your credit report form the official Annual Credit Report site. Any other website that offers a “free annual credit report” only does so when purchasing one of their products or signing up for a free trial that will automatically bill you after 30 days. The Annual Credit Report site is completely free and allows instant access to your current credit report.

3. After reviewing your credit report contact the credit reporting agency, in writing, about the information you believe to be inaccurate. Send a copy of your credit report to support your claim, and keep copies of all documentation for yourself.

4. Send your letter via certified mail so you have proof that the information was sent and a record of when the reporting agency received it. By law they have 30 days to review your claim and get back to you with a final determination.

5. If your claim is accepted, the information on your credit report will be removed and your credit score should improve. Upon request, the credit reporting agency must send a notice of the corrections to anyone that received your report within the last 6 months.

6. Keep an eye on your credit report going forward. Just because you dispute credit report errors and win, that does not prevent the creditor or lender to put the negative information right back on your file. If this occurs, you will have to start the process all over again.

Charle Lawrence asked:


A credit report is an invaluable tool to keep in touch with your finances and credit state. It has become all the more simplified with the advanced technology of the digital age. You can have access to your credit record, right at your place with just click of a mouse. It makes you aware of your financial standing and saves you from falling prey to identity theft. It is also crucial to keep a check on your credit history for any inaccuracies on the part of your creditors that could reduce your chances of finding a credit card, home loan, auto loan or anything else at decent rates. Therefore, online instant credit report helps you to save ample money, as well as guard your credit rating from being ruined by identity thieves. Here is all you need to know about online instant credit report and how you can have access to one in a short span of time.A number of credit report providers charge some fee for a credit report. Subsequent to which you have to wait for at least seven to ten business days for your credit report. Why to spend money, when you can have it free? Yes, it is true you can find your credit report without paying anything through online mode. The credit agency gathers plenty of financial data of millions of individuals, which comprises employment history, handling of debt and even arrest records (in certain cases). Nowadays, you can easily get a free credit report, without any bureaucratic hurdles or any unreasonable charges. Make it a point to thoroughly review the information and find out any fraudulent activity. Some of the things that you can check are all the listed addresses must belong to you, mentioned information should be accurate and some other individual having same name or a family member is not associated with your credit history. Keeping all these things in mind will help you to find online instant credit report and you will be able to manage your finances effectively than ever before.

Athena asked:


I have only owned old cars that were passed on to me by my father. I have never actually went to a dealership and bought a car before. I feel trapped! The car I have now is falling apart! My parents and friends eathier have no credit or bad credit, but mostly just bad credit. So there is no way I can get a co-signer! I called a credit union today and they also said they couldn’t help me. So I am confused. My father has purchased all of his cars through a credit union… Can someone please help me?!
& yes, Kia rejected me also!