Credit Report & Repair Services

Credit report errors abound. Half of all credit report mistakes and errors are enough to depress one’s credit score. There is an excellent chance that your credit report has at least one or more errors on it. We recommend that you check your credit report at least once a year. You can get your credit report for free at www.annualcreditreport.com. Its important to actually examine each of the following sections of your credit report:

• Identifying information such as your name, address and place of employment.
• Collection items
• Public records such as foreclosures, judgments and bankruptcies. Make sure that if they belong to you, that all information related to such items are correct, especially the dates.
• Trade lines – are current accounts that you have with your creditors. If anyone is reporting you as late, be sure that its accurate. Sometimes, creditors report consumers as late when they are not late with their payments.
• Footprint of whose pulled your credit report. The bottom section of your credit report shows who has pulled your credit report in the past 2 years. Make sure that each pull was authorized by you because it can potentially bring your credit score down. If it was not authorized by you, then you should consider having us sue them to remove the foot print.

It has been the fastest growing crime in America and remains so today. Chances are not “if” you will be a victim of identity theft, but “when.” Go to our identity theft repair page to learn ways to protect yourself from ID theft. While there are no guarantees that you will always be safe from this crime, you sure as heck don’t have to make it easy for a bad guy to steal your identity. Some easy ways to protect yourself from identity theft include:

• Don’t throw your credit card statements or other personal documents in the trash. Shred them and throw the shreds out.
• Do not give your credit card or bank account information to anyone you don’t know.
• If you get a phone call from your “bank” asking you for any personal information, simply ask them for a telephone number to call them back. If they hang up, you will know it’s a scam. Still, even if they give you a phone number, just hang up because banks and other lenders will never ask you for information that they already have in their system.
• If you get an email from your bank or a lender that does not specifically identify you by your name, don’t respond. When they send out notifications to their customers, they always use your name.
• Don’t read your credit card information over a cell phone and especially in a public place.
• Pull your credit report at least twice a year and make sure everything on it is accurate.