Bad credit loans are not only a hurdle in acquiring further assets in life but risk garnishing your wages as well. If you have decided to buy a home or an auto or approach the bank for education loan, denial would be last thing you would think of. A high interest rate on the loan would still discourage and the reason behind all these adversities is a bad credit score. With a low score there is a possibility of loan plea, either getting rejected or getting approved at high interest rate. We don't want either of them, so it is necessary to keep the credit score clean and repair it if it is tarnished.
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It would be interesting to know, while some of the negative items are due to your own mistakes, there are some which you even fail to recognize. Yes, it is very much possible, the credit card companies or other sources where you pay using credit card have misinterpreted some information and sent the wrong data to the collection department or credit bureau. There have been instances where people have questioned their internet provider for example, who failed to provide an explanation or evidence, instead intimated the collection agency about delayed payment. Now, this is something you would never think of, but a notice to collection certainly depresses your credit score. While you failed to keep a track of something so serious and applied for a home loan, only when the banks offered you loan with a high interest rate, did you discover about the inaccurate items in the credit report. Do not be disheartened if the creditors have questioned your credit report.
It is never too late, so raise a dispute on any questionable or unverifiable item in your report. Refer the website annualcreditreport.com and get a copy of the report from either one or all of the national credit bureau - Experian, Equifax and TransUnion. Read your report carefully and identify the items that affect the score. Gather as much facts and figures together with evidences to support your dispute and send a mail to the credit bureau by postal mail. Highlight the items you expect to be corrected or deleted along with the supporting documents. The credit bureau takes a maximum of 30 days to get back to you with an answer. However if you are really running short of time and want your case to be strong and fool proof it is advisable to refer a credit repair professional.
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