Check Your Credit Yearly

For those that don't know, I worked at a collection agency for over 8 years. I worked in the legal department and learned quite a few things while I was there. I learned many of the laws that go with collections as well as how to fix credit.

One of the most important thing I learned is to always check your credit report for errors. I would suggest pulling your credit report at least 1 to 2 times a year. Some people don't ever pull theirs and will never know if they have something on their report that should not be there. Credit repair can be easy for those of you that have stuff on your report that can be deleted.

A negative rating can only stay on your credit report for 7 years. You will need to pull your credit report to make sure that your creditors are not reporting old stuff that is past the statue of limitations. You cannot imagine how many times people will have stuff on there that is older than 7 years and the creditor did not remote it. Finding these old things and filing a dispute will help repair credit reports. You can file a dispute online with the credit bureau. They then will contact the creditor and the creditor has 30 days to respond to the dispute. They can either remove it or explain why it should still be there. If they don't respond, it automatically gets disputed.

Hope that helps some of you!

Stefani