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Equifax
All posts tagged Equifax
Is Your Credit File Accurate? by Credit Repair Mike in San Diego…..
Our credit restoration will assist you to easily identify and flag errors on your credit file! An accurate credit file is essential to both consumers and creditors. It is especially important when you’re getting ready to buy an expensive item such as a car or a new home. Why? Because, important decisions about your creditworthiness are based on the data in your credit report.
Don’t wait until the last minute to find out you have an error!
Get started on improving your credit score today. Call 619 743 8884 or visit www.RaiseMyCreditScore.org
Demonstrate responsible use of credit, develop a strong payment history, and avoid taking on more debt.
Remember:
As you go thru the credit restoration process you will receive updated credit reports from the credit bureaus. Forward them to FES so that we may update your file in preparation for your next set of dispute letters which will be automatically prepared and sent to you in 60 days. Remember, 80% of credit reports contain some type of error. Keep your credit reports as accurate as possible with FES Positive Credit Builder. |
United Credit Education Services by Credit Repair Mike San Diego CA.
Nearly 80% of credit reports contain inaccuracies or erroneous accounts. Your credit score is a major factor in any of your large financial investments: credit and loan approval, interest rates, the amount of down payment or mortgage type on your home, your premium on you auto and homeowners insurances, your ability to lease or purchase a vehicle and now it has even become a deciding factor in job qualification! There is no room for error, yet 8 out of 10 people are losing out on their hard earned money because of these mistakes!
Getting Started and Enroll Today for only $499:
- Once enrolled, you will receive a Welcome Email with your Username and Password, directing you to your online portal.
- To receive your first set of dispute letters, you must provide us with your Social Security & Address verification documents.
- You will receive your first set of dispute letters within 3-5 business days after those documents have been submitted.
Stay Involved:
- Review your dispute letters upon arrival. Any changes? Call our customer service department to speak with a live representative. They can answer any questions you may have and update your disputes to your request. Once changes are made, new disputes will be sent to you.
- If no changes are necessary or you’ve received your updated disputes, sign your letters and forward them to the addresses provided.
Receiving Results:
- Within 30 days you’ll receive a response from all three credit bureaus. If they do not respond, call our customer service department. Otherwise, forward that response back to us and we will update your file.
- Once your file as been updated, we will prepare and send you new dispute letters. Repeat the process above for five full dispute cycles.
We’re Here to Help:
- View your results online- 24/7
- Our live Customer Service Team is available to help with any questions you may have throughout the Credit Restoration process. Please do not hesitate to contact us.
Thanks For Reading
Mike Watson
619 743 8884
http://www.CreditRepairMike.com
How Does It Work? by Credit Repair Mike |
Affordable Credit Repair. FES Protection Plan is the leading company specializing in credit restoration. Our processing center utilizes the latest technology ensuring fast, accurate service for our customers. Our team of experienced professionals is highly knowledgeable and holds the Credit Reporting Agencies accountable to utilize the newest legislation regarding the Federal Trade Commission guidelines and the Fair Credit Reporting Act. Your dollar is more important to you than ever, and at FES Protection Plan, we are constantly looking for ways to maximize and improve the value of the services we provide. With this in mind, our credit restoration service provides the industry’s most comprehensive program to consumers who have been turned down for a mortgage, car loan, credit card or any type of credit due to credit problems. Our credit analysts will research out-dated, inaccurate and unverifiable entries on your credit reports that negatively affect your credit score, such as late payments, bankruptcies, judgments, collections, tax liens and much more. In addition to the credit restoration process, our extensive library of credit education and budgeting information will help you to maximize your credit score in three additional important ways – by showing you how to read and interpret your credit report, by showing you how your credit score is calculated, and by helping you understand and improve your personal finances. FES Protection Plan will enable you to:
It’s easy to Enroll Today! For only $499, you will be on your way to discovering what good credit can do for you and the money that you will SAVE with lower interest rates on credit cards and lower rates for insurance, auto loans and mortgage payments. Follow these simple steps to get the good credit you deserve: Thanks for reading |
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How Medical Bills Can Harm Your Credit
After you receive medical services, your physician or hospital will bill you for any portion that wasn’t covered by insurance. Just like any other bill, medical bills have a due date. If you don’t pay by the due date, your bill becomes past due. Hospitals will only send you so many past due notices before they give your account to a third-party debt collector to resume collection efforts. When the debt collector receives your medical bill, one of the first things it will do is report the account to one or all of the three major credit bureaus (Equifax, Experian, and TransUnion). The medical collection account is considered a serious delinquency and can remain on your credit report for up to seven years, the maximum amount of time permitted by law. Your credit score – the number creditors and lenders often use to approve your applications for new loans and credit – is based solely on information that’s in your credit report. Since having a collection account on your credit report indicates you have a seriously delinquency in your credit history, your credit score will drop when a new collection is added to your credit report. The more medical collections accounts you have, the lower your credit score will be. |
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Protect Your Credit from Medical Bills | |
One of the easiest ways to keep medical bills from impacting your credit score is to pay your bills when you receive them. If you can’t afford to make payment in full, contact the hospital’s billing department to make payment arrangements.
Even if you have health insurance, don’t assume that your insurance company will always handle bills in a timely manner. If you receive a bill that should have been covered by insurance, contact your insurance company to find out why the bill wasn’t paid. It could have been a simple oversight by hospital billing or the insurance claims department. Insurance companies often cover only a certain percentage of medical bills, so you might be responsible for some portion of medical debt after the insurance company has covered its part. To be safe, contact the hospital or physician’s billing department to check the status of your account, especially if you’ve received any medical services within the past year. Just because the medical bills aren’t on your credit report doesn’t mean they don’t exist. By contacting the medical provider, you’ll be absolutely sure you don’t have outstanding medical bills that could harm your credit. Thanks For Reading
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