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Credit Repair Basics: Questioning Your Credit Score

If you are currently involved in the process of repairing your credit, or if you plan to do credit repair in the near future, then you should start exerting vigilance over your personal credit score. What exactly is the importance of your credit score, you may be asking. To put it simply, when it comes to your credit and your financial existence, that score is everything. It is the basis for getting approval for loans and earning privileged access to lower interest rates. When a bank or a credit lender looks at you, they are generally not interested in what kind of person you are, they are only interested in your credit score.

Credit repair must involve finding out your credit score and trying to improve it if necessary. This is especially true in this day and age, when the problem of identity theft has become so prevalent, and you are in real danger of being a victim of credit fraud that will certainly have a negative impact on your credit score. Stop for a moment and consider this: Have you have paid for products and services on the Internet with a credit card, or have had a credit card that was lost or stolen? If so, then you should definitely your credit score at least once every year. However, that does not mean you should not verify your credit score if you have not done anything that may compromise your identity. The fact is, everybody should make it a rule to question his or her credit score on a regular basis, simply as a principle of good financial management.

Let us look at how you can go about questioning your credit score. First of all, you need to obtain a copy of your credit report. There are a number of ways that you can get it. For one, if you recently applied for credit and were turned down for any reason, then by law you should receive a letter explaining why you were denied credit along with instructions on how to obtain your credit report. If you get that denial letter, don?t throw it away! You can use the information on it to learn about your credit score. So always read the letter carefully and follow its instructions. This will help you to obtain your credit report, which contains a lot of information on you that has been provided by various creditors.

Another way to get your credit report is through one of the three major US credit reporting agencies: Experian, TransUnion, or Equifax. By law, you are eligible for a free report from each of these agencies once every 12 months.

On getting your credit report, you may find that it shows transactions that you are certain you never made. These anomalies can have a negative effect on your credit score. To correct such errors and wrongful billings, you have to send dispute letters to the credit reporting agencies. If you need to, you will have to get in touch with the creditor who reported the disputed billing and let them know that fraud is suspected.

If you need help with credit repair, check out How to Dispute Your Credit Report and other tips and articles at

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