Straight Talk About Why You Must Look At Your Credit Report Today
Straight Talk About Why You Must Look At Your Credit Report Today
I understand why you may not want to look at your credit report.
From representing hundreds of consumers related to their credit reports, there are two primary reasons people do not think they need to look at their credit reports:
- “My credit report is horrible and I don’t need to see it” or
- “My credit report is great — I’m never late — so there is nothing to look at”
Both of these reasons are wrong and can get you in trouble.
Let’s talk about these.
“My credit report is horrible and I don’t need to see it”
It may be. Or it may not be. You really don’t know until you look at it.
“But what if it is bad?”
OK so it is bad.
Let’s start fixing it.
To fix it, we have to know what the problem is, right?
So pull your credit reports, set up a time to meet with us, and let’s go over your reports.
Do you have debt collectors on there?
Send our simple dispute letter that is very powerful (see “Further Resources” below).
Do you have false information?
We’ll help you dispute the false information and either it will get fixed or we’ll sue whoever is breaking the law to “encourage” them to fix it and pay you money damages.
“But what about negative information that is accurate?”
Well, we need to look to see how best to handle this. Can you settle the debt and get it off of your credit report?
Is the negative information about to fall off anyway?
We can also see if it looks like you are about to be sued.
Better to know you are about to be sued than to be surprised by it.
By the way, sometimes folks think their credit reports are terrible and when they pull them, they are scared to look at them.
Then when they look at them, the reports aren’t so bad. You never know until you pull them….
“My credit report is great — I’m never late — so there is nothing to look at”
Is it? Or is it different than you think?
Let’s think about this for a moment.
If your report should be great — since you are never late — then either it shows this or it doesn’t.
If your report looks great, then wonderful.
You have confirmation of what you believed.
But what if it should be great — but it has all sorts of negative information on there?
We look to see if this negative information is true or false.
If true, then it will be shocking to you but you need to know that your credit report is not good.
Like we talked about above, you can look at your options to improve your reports.
But what if the negative information is false?
Then we help you fix it or we sue the companies that refuse to fix the false information on your reports.
Bottom line — pull your credit reports today….
Whether you think your reports are good . . . or bad . . . pull your credit reports to see what is actually on the reports.
If the information is true and accurate, then we can talk about what to do.
But if the information is false, then we can help you to fix it.
We can only help you if you live in Alabama.
The quickest way to reach us is to call us at 1-
205-879-2447.
Or you can fill out our contact form and we’ll get right back with you.
Further resources for you
- FAQ On Credit Reports And The Fair Credit Reporting Act (FCRA)
- You Have A Legal Right To Have Accurate Credit Reports
- 60 Minute Report on Credit Reporting Issues
- Why You Should Look at Your Credit Reports Once A Year
- How Do I Pull My Credit Reports For Free?
- Form And Substance Of Dispute Letter For Credit Report Errors
- Do I Have To Dispute With The Credit Reporting Agencies Before Suing Them?