Holiday's Lessons

This is a lesson not a solicitation!!

While this time of year may be slow for many businesses, it is actually a great time to take advantage of Credit Repair.

Since the 3 Credit Reporting Agencies, Experian, Equifax and Trans Union, have people just like you and me working for them, they too like to take advantage of the Holiday's and take some time off. There are parties to go to and gifts to exchange. The quality of the work is not always up to par. While we can get away with this in many businesses, the people at the CRA"s must still abide by the Laws of Credit Reporting. That said, this is a great time to do disputes. Like I said, the people working there are only human and do not always keep up. They are also busy with the Holiday's. As I said this is a lesson in timing not a solicitation. Each and every business has cycles. This is just one in my business that most people are not aware of. If you have any questions regarding Credit Repair, Credit Reports or any Credit related issue including Identity Theft, feel free to call or e-mail me. I enjoy the education part of my job very much. As a consumer you have a right to know and understand what is on your credit report. More and more in these times our credit is being pulled for things that years ago did not matter. Who would have thought employers would be pulling credit reports before hiring anyone. It is happening more and more. Remember you have rights as a Consumer. Learn them and make sure they are not being violated.

As the Holiday's approach, take some time to reflect on the year. What do you want to do different next year. Do you know what your credit report looks like. Don't be afraid to look at it. Learn the laws that pertain to you as a consumer. Don't let yourself be fooled into thinking everything is great on your reports. Everyone and I mean everyone should check their reports two times a year. It does not matter if you think you have the best or worst credit. Scores are not everything, what is reporting is important as well. 2 out of 3 reports I pull for our clients have another social security number reporting on their reports. Is there a different one on your.

To educate yourself more go to www,annualcreditreport.com and order your tri-bureau report. Check all 3 bureaus. Do not let a friend in the business pull it for you. That is a hard it. Do it yourself so it does not impact your score!! You can get this once a year from this site free. If you have pulled one this year there are a number of other sites to go to. On these other sites, you will have to order a monitoring service, which you can cancel after you get your reports.

I hope this has given you the consumer a better light on what you need to do to protect yourself. it is you responsibility to make sure nothing is being reported incorrectly. Ignorance is no excuse!! Be an educated Consumer and learn how to protect yourself.

I am really enjoying the opportunity to blog, educate and learn here. I am looking forward to developing more friendships and relationships in 2009.

Happy Holiday's to all of my Friends and Family on Active Rain.

Lori