So do you know your credit status?

Have you checked your credit report lately?

If not: its worthwhile GOING ONLINE NOW and getting a report: BUT remember BAD CREDIT/POOR CREDIT - No LENDERS

Make sure you get the really important information:

YOUR PAYMENT PROFILES

These will tell you exactly who you owe, what to, your monthly payments, balances and IF YOU PAY YOUR ACCOUNTS ON TIME.

One of the main reasons for being declined credit is because you pay your accounts late.  That even means when you pay on the last day of the month - so what do you need to do to make sure you do not get listed as a late payer.

1. If your due payment is the 1st of the month then you need to make sure that if you bank at a different bank than your creditors you need to allow at least 2 working days for the money to get through....critical
2. If you have a debit order set it 3 days earlier.
3. If you can make one double payment immediately, then you Will always be in advance in payment
4. If you cannot make a payment, make the arrangements in advance not after the fact

ADVERSE

This is when someone believes you owe them money and they are so sick of the phone calls and going nowhere that they decide to list you on the credit bureau as a late payer or bad debt written off etc.

regardless of what they say - YOU STILL OWE THEM THE MONEY

So what do you need to do:
1. Call the person as their phone numbers are on the bureau listing and so is the amount and the account number.
2. Get the persons name and number and email address and keep track of what goes on
3. Make an arrangement: Pay off, etc but whatever you do keep track and stick to your arrangements.
4. Get a letter that relates to the arrangement and send it to the credit bureau and PLEASE keep a copy for yourself.
5, When resolved ask the person/company for permission that they will remove your adverse listing from the bureau.
6. Get a letter from them, MAKE A COPY FOR YOURSELF, send the letter to the bureau and call the bureau and make sure that it gets removed.
7. DO IT ALL YOURSELF because other people do not really care about you.

JUDGEMENT

If you have a judgement, it means someone has approached the courts to have a legal ruling against you for money you owe them.

Go see a lawyer and get this sorted.  Otherwise it will hold you for years to come.

SO WHAT ELSE NAILS YOU:

Too many accounts
Trace Alert - someone is looking for you because you owe them money
Looking for credit - too many times

YOU WANT CREDIT? - WELL GET YOUR CREDIT STATUS TODAY!
and start today....

You have questions email me today: THE DEBT DOCTOR