Individual Credit Reports


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Your credit score is like a school report card. It can be biased, it can be wrong, it can be good, and it can be bad. However, contrary to the "permanent record" theory that teachers tend to threaten students with, your credit report only lasts about 10 years. So, a mistake on your credit report will only cost you money for about 10 years. If you want to fix errors now and save yourself thousands of dollars in interest payments on future loans, a credit repair company might be a good option. Or, if you want to prevent damage to your credit report because of bills you are unable to pay, you may want to talk to a consumer credit counselor. There are many options on the Web today for individual credit reports, and you owe it to yourself to do further research.

Debt consolidation is a process in which a company "buys" all the debt you have from your various creditors and then you pay the firm back. Often credit card companies "sell" the debt to the consolidator for pennies on the dollar. This is how they are able to offer you such low interest rates. Credit card companies are happier to receive 40% of the money than risk seeing nothing if you declare bankruptcy. Everybody is happy. The credit card company gets paid, the consolidation company (often nonprofit) makes money on the loan they give you, and you are happy because you can save thousands of dollars.

Jobs, loans, and even background checks for common services we take for granted today, all involve checking on your credit. Debt consolidation companies and credit repair companies have their place in helping consumers today. And individual credit reports does not matter much if you do not do your research. Get involved in your financial future and employ experts to help.

The government has set up many resources for consumers in debt. Check out Home Equity Credit Lines for a way to borrow against the value of your home to pay off your debts.

You may also want to learn more about credit reports and scores if you feel it might help you.







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