If your credit isn't perfect, the best action you can take is to say, "I NEED HELP WITH MY CREDIT".  With less than perfect credit the financial impact is substantial.

The first think you need to do is find out exactly what is on your credit report.  By law you are entitled to a copy of your credit report from each of the credit bureaus every 12 months.


i need help with credit

I recommend you start with one of the three repositories, Equifax, Transunion, or Experian.  Go through line by line.  Make sure all of the trade lines (each credit account) belongs to you!  Many times there is mixed information with someone that has a similiar name.  

Once you have identifed the errors, you should contact the creditor and advise them of the error.

DO NOT DISPUTE EVERY NEGATIVE TRADELINE ON YOUR CREDIT REPORT!  This is not going to resolve the issue.

For more information, please give me a call.

 

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Kathleen Sheehan

Sr. Mortgage Consultant

NMLS #206275
Georgia Residential Mortgage Licensee #25839

600 Galleria Parkway

Suite 170

Atlanta, GA  30038

 

770.634.4021 cell

 


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The opinions and general information in this blog are soley those of Kathy Sheehan.  Specifics regarding an individual case should be discussed in detail with a loan professional.  For a confidential consultation, please feel free to contact me via phone or email.  All terms and conditions are subject to change.

 

 
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8 Comments on I Need Help With Credit - Part 2

MAY
24
2012
653,568 Points 9 Featured Posts Outside Blog Called Shot Master

Good tip.  Also just working on budgeting will help with your credit in the long run.
5:26am • #1
706,416 Points 56 Featured Posts Outside Blog Called Shot Master

Good Morning Kathy, very nice advice on credit. Working with a PROFESSIONAL like yourself is the best start a consumer can make.
7:43am • #2
698,000 Points 15 Featured Posts Outside Blog Called Shot Master

Kathy, I read a good suggestion from Jim Frimmer.  You get one free report a year from all three.  Order one from each one every four months...and you can check discrepancies three times a year. 
1:34pm • #3
413,197 Points 16 Featured Posts Outside Blog Called Shot Master

Chuck, that is a very good point!

Scott, thank you for the compliment.

Suzanne, you are so very smart!  That is usually the advice I give my clients.
6:07pm • #4
MAY
25
2012
523,384 Points 10 Featured Posts Outside Blog Called Shot Master

Very good advice, Kathy.  I think that people don't realize that if you are smart and work with someone, you can even purchase a home a year after a short sale.  I know two people who have already done that!
5:59am • #5
396,963 Points 17 Featured Posts Outside Blog Attended Rain Camp Called Shot Master

I like the clients that want you to tell them something that will fix it overnight. :-)  it takes some explaining, but eventually they understand that they didnt get into this mess overnight and it certainly will take longer than 'overnight' to fix it.
2:13pm • #6
MAY
26
776,316 Points 16 Featured Posts Outside Blog Attended Rain Camp Called Shot Master

Kathy, great advice...I don't think people realize how important it is to check their credit regularly
8:14pm • #7
MAY
27
413,197 Points 16 Featured Posts Outside Blog Called Shot Master

Ron, I recently spoke with an BK attorney that didn't know about 1 year into a Chapter 13 with trustee approval.

John, that always gets me too!

Nick, it is critical!
5:27pm • #8


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