When checking your credit report each year (you do that, right?) make sure to look for incorrect addresses, phone numbers, incorrectly spelled names, jobs, etc because all of this can affect how your credit is viewed. Most people don't know this information.
Also, if you're finding issues, don't make your complaint online - send it in via US Mail! The only way you have a way to keep your legal rights is to put it in writing.
Want to learn more about credit issues? Check out www.lcapublishing.com. They've got great info!
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