Recently, I was doing a refinance for a realtor who didn't have a clue what their score was. I found this hard to believe coming from a well respected agent in our industry. Especially since ther eis so much idenitity theft going on. I personally had 4 utlility accounts opened in my name in California. I have never been to California!!! I t took an act of God to get it off. I was treated like a criminal to prove they were not mine.
We all need to check our scores at least once a year and read thru the report. I offer this to my clients for free each year and I review the reports with them. There have been very few reports that were 100% accurate as to all accounts being the clients. Also, not only should we , as professionals, be checking our, but our clients. Realtor agents, this is a great way to stay in touch with your clients after a closing, 6 months down the road, to make sure their old house shows paid off and their new mortgage in reporting. Build that relationship.
There are several reputable credit repair sources I have been using and highly recommend. If you would like to know them, please contact me. Did not think it was appropriate to list them here. Many clients need credit repair and they can actually remove delinquent account, judgements, etc. Gives the client the second chance they deserve.