credit report: 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 report: Charged off account with different statuses on different bureaus - 04/08/15 04:07 AM
Wednesday Q & A
This week ‪we‬ answer the question "Can a charged off account be marked as 'closed derogatory' on Transunion AND 'open' on Equifax?" See the answer here!   

credit report: 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 report: 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 report: 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 report: 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 report: What do I Monitor on My Credit Reports? - 03/21/14 03:46 AM
You may be aware that by law, you are entitled to a free credit report annually from each of the three major credit reporting agencies; however, you may not know what you should monitor on those reports. Do you find yourself opening up that report then saying, “Now what?” These are the things you should be watching for when you look at your credit report:
·         Is every item reported on the report yours? This includes personal information such as addresses or employers and credit accounts.
·         Are the debt amounts and history of payments accurate on each account?
·         Are … (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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