credit history: Whose Credit Cards are on my Credit Report?! - 04/29/15 06:32 AM
Wednesday Q & A
This week on Wednesday Q&A Joe assists a 23 year old who discovers something quite frightening on her credit report! Kellllyannn21 says that she is very upset becuase she doesn't know how the cards were taken out in her name or what to do to resolve the issue. Joe explains that she is most likely a victim of identity theft! He also touches on what she can do to help improve her situation. The best thing to do is reach out to a credit expert and go from there.    

credit history: That's My Name, But Not My Social Security Number?! - 04/23/15 01:26 AM
Wednesday Q & A
This week's Wednesday Q&A explains why someone's Credit Report might show inaccurate information such as someone else's social secuity number! It can be shocking to see the wrong name or social security number when looking at your credit report. Joe explains how mistakes like this are made and what you can do about it! The answer is surprisingly simple, and concerning!   

credit history: Dealing with a mixed credit profile - 03/24/15 08:06 AM
Wednesday Q & A
This week on Wednesday Q&A we address what is known as a "Mixed Credit Profile" or what happens when your credit profile contains the information of someone else!   

credit history: Dealing with Multiple Inquiries - 03/23/15 03:19 AM
Wednesday Q & A
This week on Wednesday Q&A we discuss the impact of multiple inquiries!   

credit history: Rage Against the Machine - Credit reporting nightmare - 03/23/15 03:10 AM
Who would have imagined that damaged credit could start with something as simple as returning an item to the store?  When Nicole Berstecher returned a non-compatible speaker to a national electronics store, it was promised that the credit would be returned to her store rewards card.   Instead, a year later, she received a collection notice for nonpayment of the high-end stereo. 
Although there are measures in place to ensure consumers are alerted to claims, and laws have been passed to ensure reasonable investigation by the Credit Reporting Agency (CRP), many of these cases slip through the cracks.  By the time … (0 comments)

credit history: What Information Is Included in My Credit Report? - 04/17/14 03:15 AM
If you pull your credit report, you will see that there is much more information there than many realize. It is important for you to know what information is included in your credit report so that you may properly handle that information. These are the sections of your report:
Personal Identifying Information – This information can include things like your name, address, date of birth, employment information, and social security number. Your credit score will remain unaffected by this information, but it is still a good idea to check it for accuracy.
·         Credit Accounts – This is the main … (2 comments)

credit history: BIG Mistakes and Their Impact - 01/08/14 05:44 AM
As much as we would like to deny it, we all make mistakes! Some big, some small but mistakes are inevitable! Mistakes like forgetting to take the trash out will pass quickly, spilling red wine on the rug will fade in time, but misplacing a bill or avoiding collection calls can stick with you for years!

How long negative information will impact your credit rating depends on the information reported. Generically speaking and unless disputed, most negative reports will last 7 years. This type of information includes; late payments, Chapter 13 bankruptcy, foreclosures, collections and public records. Chapter 7, the … (0 comments)

Joe Orsak, Joe Orsak (Improve My Credit USA)

Joe Orsak

Joe Orsak

Humble, TX

More about me…

Improve My Credit USA

Address: 19635 HWY 59N, Humble, Tx, 77338

Office: (281) 914-4116

Fax: (281) 973-7273

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