| We're not on this planet for very long, so | | | | and information to prove the inaccuracy. For |
| while we're here, we might as well enjoy it. | | | | example, if your credit report shows that you |
| So you should buy things. Sure, you're smart | | | | have been renting since you moved out of your |
| enough to not run out and buy whatever | | | | parents' house but you actually bought your |
| catches your eye, but you want to have nice | | | | own house a few years ago, you may want to |
| things. You deserve them.Want to own a car or | | | | provide them with some of your mortgage |
| a house? You'll need a loan, and to get a | | | | papers and particulars to prove what is |
| loan you have to get your credit checked. One | | | | accurate.Then write a polite letter of |
| thing that you will be surprised about is how | | | | explanation that clearly details the points |
| many credit reports out there have big | | | | you want to clarify and send it off to the |
| mistakes on them. Does yours?If you are not | | | | credit bureau. When they receive your |
| sure, you need to find out right away. You | | | | request, they need to investigate each claim |
| need to get a copy of your credit report | | | | before they fix it. This is because they get |
| every 12 months and check it thoroughly. Why? | | | | many people who file bogus claims of |
| Because mistakes can happen, and they do | | | | inaccuracy all the time.It can take a while |
| happen all the time.Why do mistakes happen | | | | to get everything squared away, but when you |
| all the time? The answer is actually fairly | | | | do it, you can enjoy the peace of mind that |
| simple. Often it's just a matter of human | | | | should you need a loan, you'll have an |
| error. Perhaps they accidentally mistyped a | | | | accurate credit report to work from and to |
| piece of information somewhere in your past | | | | back you up. And, with an accurate credit |
| or perhaps they mistyped someone else's | | | | report, you'll be able to quickly identify |
| information but accidentally put it on your | | | | any identity theft problems that may occur.So |
| file. It happens a lot.So what can you do | | | | don't lose sleep over your credit rating. |
| about it? Again, the answer is simple. You | | | | Instead, contact your credit bureau and get a |
| need to get a copy of your credit report and | | | | copy and check for inaccuracies.Mark Lambie |
| go over it with a fine toothed comb. Identify | | | | is the founder of Loan Source, a website for |
| the parts that are accurate and the parts | | | | UK residents seeking secured loans. Visit our |
| that are inaccurate.When you find inaccurate | | | | website today for a free Secured Loans quote |
| information you need to highlight it clearly. | | | | and find out how much we can save you. |
| Then you need to find supporting documents | | | | |