Deleting Unauthorized Credit Mistakes - Tips and Techniques
- Date: 2008-10-17 - Word Count: 372
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Where there is a will there is a way and there are tricks for everything we do in life. Need is the mother of all inventions. Credit repair is not an exception either. Let us discuss few tips and tricks which can help you in your efforts of repairing or improving your credit ratings.
The first trick applies when you own a credit card and you have huge balances due on it. Consider seriously to pay them more and more you can. This will surely increase your credit scores. Always remember the higher the balance outstanding, the lower the credit score.
Ok let's think if you are in a situation where you do not have any good credit on your belt at all. Then in this case it becomes necessary, and is best for you to take help from family or some friend and tell him to allow you in his/her account as an "unauthorized user" and thus, their good account show up your credit report with one of the three main bureaus.
People who have collection accounts on their reports, the best way for them to have them deleted is to challenge them with a challenge letter to the credit bureaus because if and when the account would not be verified with the creditor, by law it will be deleted from your credit report.
By law, the collection accounts which are older than seven years should also be deleted from the credit report. This is clearly mentioned in the laws of credit reporting.
You may use your right to know by asking your original creditor in written, he is bound to verify you once you put the request in written. This method of deleting unauthorized credit mistakes is also less known and must be followed if and when you find yourself in a situation when even after a lot of effort, you are not succeeding in deleting items from your credit report, while you deal directly with the credit bureaus.
Find out how to get your Free Credit Report and learn how to raise your credit score 107 points in 39 days and get approved for that car, home or credit card loan you need, click here to get started today.
The first trick applies when you own a credit card and you have huge balances due on it. Consider seriously to pay them more and more you can. This will surely increase your credit scores. Always remember the higher the balance outstanding, the lower the credit score.
Ok let's think if you are in a situation where you do not have any good credit on your belt at all. Then in this case it becomes necessary, and is best for you to take help from family or some friend and tell him to allow you in his/her account as an "unauthorized user" and thus, their good account show up your credit report with one of the three main bureaus.
People who have collection accounts on their reports, the best way for them to have them deleted is to challenge them with a challenge letter to the credit bureaus because if and when the account would not be verified with the creditor, by law it will be deleted from your credit report.
By law, the collection accounts which are older than seven years should also be deleted from the credit report. This is clearly mentioned in the laws of credit reporting.
You may use your right to know by asking your original creditor in written, he is bound to verify you once you put the request in written. This method of deleting unauthorized credit mistakes is also less known and must be followed if and when you find yourself in a situation when even after a lot of effort, you are not succeeding in deleting items from your credit report, while you deal directly with the credit bureaus.
Find out how to get your Free Credit Report and learn how to raise your credit score 107 points in 39 days and get approved for that car, home or credit card loan you need, click here to get started today.
Related Tags: credit report, bad credit repair, repair credit, good credit, late payments, lower interest rates, legalities, bankruptcies, charge offs, bad credit repair tips, deleting unauthorized credit mistakes
Find out how to get your Free Credit Report and learn how to raise your credit score 107 points in 39 days and get approved for that car, home or credit card loan you need, click here to get started today.
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