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Know the Facts before making your journey into a better  future.
Obtaining a mortgage loan just one point less results in a savings of about $5000 on the average 15 year mortgage, and more on a 30 year.
Having high credit scores allows you to enjoy the lowest interest rate possible.
Although it is illegal for employers to discriminate against those who have filed bankruptcy, employers can and do discriminate against those who have bad credit ratings.
Since September 11th, more than 80% of employers are now thoroughly doing background checks on applications, including a credit check.
you can legally be denied employment based on what is in your credit file in certain situations.
Those with excellent credit ratings can get approved in about one minute online major credit card website for a card with an interest rate of about 9% and no annual fee. On the other hand those with bad credit do not get approved at all or will obtain a high interest rate of 19% or higher.
People are not aware that their credit reports are pulled when they apply to any type of insurance. If you have a bad credit rating you will be penalized and charged more.
Credit bureaus have no legal authority at all. They are simply private companies who are in the business of selling information.
Under the Fair Credit Reporting Act both the federal and various state laws require that items be removed if they are not 100% accurate or cannot be verified in a timely manner.
It is always good to know...

Anything that erodes your financial credibility is damaging to your good credit standing. In the case of inquiries, one or two is not too bad, but any more than that and they will begin to tell a story of their own: Any prospective credit grantor will look at your credit report and think that you are desperate for credit.

 

When a derogatory is removed with cause under the FCRA, it cannot legally be placed back on the credit report. The same law that required its removal prohibits it from being placed back on.

 

Anybody can run into hard times or an emergency situation now and then, that does not mean that you are a credit risk for 7 years. The truth is that no credit report can predict the future. Therefore the concept that once bad, always bad is totally false.

 

You absolutely can attempt to fix your credit yourself, but then again you can probably try to do your own tax return or your own root canal. When it comes to matters such as theses let the professionals do what they do best - fix credit!

         
             
 
     
 
     

Credit Repair in New Jersey

 
  Credit Repair in New Jersey  
Credit Repair in New Jersey