Realtor Albert Hallivis Cell: Office:
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1 Realtor Albert Hallivis Cell: Office: Inside: Neighborhood Real Estate Report 7 Tips to Fix Mistakes in Your Credit Report Is your credit report telling lies about you? Credit report errors happen all the time, especially if you have a common name. Dispute them pronto, so you don t end up paying more than you should for your mortgage and home owners insurance, or have trouble getting credit. Just remember: Removing errors is a DIY project. So don t get baited by credit repair servicers ( Pay us before we do any work on your behalf; Don t contact the credit reporting companies directly ) these pitches are usually scams. Instead, try these seven tips for fixing credit report mistakes. 1. Do it now.as soon as you find out there s an error (check your credit report at least annually), take immediate action to repair the damage. The longer you put off reporting the error, the harder it ll be to find the evidence to prove you re right and they re wrong. Advertising $1495 Plus, you can lose consumer protections if you wait longer than a month to send a written dispute of certain mistakes, like when you get an incorrect debtcollection notice. 2. Don t assume the mistake you know about is the only mistake in your credit history.about 5% of U.S. consumers have a credit report error in one of their three major credit bureau reports, the Federal Trade Commission says. Find out what each of the three big bureaus is reporting about you by ordering a free credit report. 3. If your credit report error involves identity theft(you see credit card accounts you didn t open or loans you didn t take out), call each of the three credit reporting bureaus and ask them to put a fraud alert on your file. Then, fill out afederal Trade Commission identity theft reportand call the police to report the theft. The FTC and police reports help prove you had your identity stolen. 4. Complain to everyone who screwed up.write or file an online dispute with the credit reporting company and the business that made the mistake in the first place. If the mistake was made by: A finance company, like a credit card issuer or mortgage lender: Call and ask what their procedures are for correcting errors. Debt collection company: Follow the instructions on the collections notice to formally dispute the debt, which forces the debt collector to verify the debt. For credit bureaus, use these websites: Equifax. You ll need to your credit report number. Experianmakes you get a credit report identification number (it appears on your Experian credit report) before you want to file a credit report dispute online with them. TransUnion. 5. If all this complaining does nothing,and according to a60 Minutesinvestigation it s quite possible nothing is exactly what will happen, consider contacting your state attorney general s office to see if they can offer any guidance. Visit our sponsor at 6. Back up your story with proof.if you could get a late payment report removed by just calling and saying you paid on time, we d all do it. You ve got to prove your case by sending copies (never trust the credit bureau with the originals!) of the records that show you re right and the company that made the error is wrong. Of course it s harder to prove you didn t do something (like when you don t owe an unpaid $300 debt to a dentist in a state you ve never even been to) than to mail a bank statement showing the credit card company cashed the check they say they never got. Either way, set up a file folder where you keep: Copies of complaints Receipts of certified mail Screen prints from online filings Notes from phone calls A calendar reminding you when you re supposed to hear back from or respond to companies. 7. If at first you don t succeed, keep complaining until you do. If you don t get satisfaction after your DIY attempts to repair the error: Ask the credit reporting agency to put a short statement in your credit report saying you disagree with the report. File a complaintwith the Consumer Financial Protection Bureau. The bureau will look into your error and report back on what it finds. (This is a new service that started less than a year ago. Read about ithere. Complain to the Federal Trade Commission FTC-HELP ( ). Call or write to your state attorney general (that s who enforces your state credit reporting and debt collection laws). Original Article by Dona DeZube Houselogic.com
2 The right Realtor has Awesome in his name. Al Hallivis Cell: Re/Max All Pro Current Listings Sold Listings by City Montgomery County
3 Realtor Albert Hallivis Cell: Office: Recent Market Activity in Your Neighborhood Customized Data about Active and Sold Homes in Neighborhood
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7 The right Realtor has Awesome in his name. Al Hallivis Realtor Cell: Steps to help your RE/MAX Agent Sell your home faster and for top $$: Make the most of your first impression Invest a few hours for Future Dividends Check Faucets and Bulbs Think Safety Make Room for Space Orgazine your Closets Sparkly Bathrooms Create Dream Bedrooms Let the Sun In Brighten Your Home at Night Schedule Buyers Watch Pets and eliminate odors Relaxing Joyful M usic Minimze Conversation with Buyers Let Remax Agent handle all questions. Keep a low Profile. Defer to Remax Agent for Negotations Help your Agent. *Find details on Nobody sells more Real Estate than Re/Max. Visit My Website: Search for Homes Real Estate News Buying and Selling Advice Neighborhood News Free Home Valuation Mortgage Calculator and Much More...
8 Realtor Albert Hallivis Cell: Office: Choose an Awesome Realtor. Get Your House Sold!!!!! Free Market Analyis of your Home s Value Call for your listing appointment Get details about 100 Day Under Contract Guarantee Reach Internet Buyers on 30 key Real Estate Sites!!! Market to Investors and International Clients. Make Some NOISE!!! EYE-POPPING BROCHURES AND MARKETING MATERIALS. Experience the RE/MAX Difference. Just Listed and Just Sold Alerts from the MLS Buying a home? $500 Buyer Credit at Closing Awesome Buyer Help: Lender Referrals, Home Buying Handbook, Daily Property Updates. Visit your Dream Home. See what Just Listed in your neighborhood. Sign up for alerts at
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