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Free Credit History Sitemap - Phrases such as "non-paying," "charged off," or "default" are red flag signs that could be bringing down your credit score. Other negative notations include "past due," "unpaid," "delinquency," and "collections." All of these items indicate that you either haven’t been making payments on time, or you haven't been making payments at all. Words like "repossession," "bankruptcy," or "foreclosure" are even worse, because they tell the creditor that you've allowed your delinquency to go for so long that someone had to take action.

Protect personal information in your home. For example, tear or shred documents like charge receipts, copies of credit offers and applications, insurance forms, physician’s statements, discarded bank checks and statements, and expired credit cards before you throw them away. Be cautious about leaving personal information in plain view, especially if you have roommates, employ outside help or are having service work done.

Receiving payments from your tenants is one of the most important things affecting you as a landlord. As a landlord it is very important that you get hooked up with good tenants who are going to pay you on time.

Remember the old adage, you can't keep doing what you are doing now and expect different results? This applies to your financial habits as much as anything else. Your past financial habits have got you to where you are now and if you keep handling your money as you have been nothing will change. You must change your money habits, and this will hurt. You must be prepared to embrace the fact that now you will do things differently, and accept the painful consquences. The pain comes before the result.

Reveal as much about their credit as they could to the lender. No one wants to admit the blemishes they had on their credit report. However, the cost of not admitting these is too high. Many times the initial credit check done to give they a mortgage quote is not as thorough as a subsequent credit check.

Secured credit cards are offered by lenders who will give you a line of credit that either matches, or is slightly higher than, a cash deposit that you give them to hold. As your experience with the card grows, these lenders will often raise your limit without requiring you to increase your deposit. Eventually, you can use your experience with this lender to apply for cards that are not secured.

Should the unthinkable happen or they could confirm that someone else had access to their Social Security number or is creating havoc with their credit, they will get little or no satisfaction from the Social Security Administration. Although they may be willing to eventually caulicle their Social Security number or issue a new one (which, incidentally is no mean feat), they will offer no help in trying to repair their damaged credit rating. The onus is on they to try to repair any damage from Social Security identity fraud.

So as a consequence of their economics, the credit bureaus do not want to make it easy for you to repair your credit but even more than that, no one other than yourself wants you to remove errors from your credit report. You are not the primary client of the credit bureaus and until the credit bureaus began selling credit reports directly to consumers (a service that is only necessary because of credit report errors), the credit bureaus could not profit from you at all. It is the creditors that the credit bureaus traditionally profit from and these creditors also do not want you to repair your credit reports. And why is that? It’s because people with errors on their credit reports have lower credit scores; low credit scores that are not an accurate representation of who they are as a lender. This means that creditors can demand a higher interest rate and make more money from you even though you do not pose a credit risk equal to the risk that your bad credit score implies.

So you have filed for bankruptcy. What’s the next step? At first blush, you are full of ideas on how you are getting a fresh start. You have freed yourself from almost all of your debts and you are, for all intents and purposes (financially, at least), a new person. But note that by filing for bankrupcy, you had to pay a dear price. In exchange for a discharge of your debts and stopping your creditors from pursuing any collection actions against you, your credit rating took the brunt of the blow. Considering how your credit rating was probably not all that great to begin with, this recent hit is not going to be an easy one to recover from.

Some companies advertise that they have a credit report repair Software and also they will teach you credit repair secrets, for a fee of course. There is a lot of free information here, if you know where to look. Before you take a credit repair course or sign up for credit report repair, read the facts and the laws relating to credit repair. In this way you may avoid some disappointment and save some money.

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