CREDIT RESTORATION TIPS!

About Checking Your Credit Report When you apply for a new credit card, loan or extension of credit, the potential lender will most likely check your credit report before making a decision. You should too. Check your credit report several weeks or even months prior to making a large credit purchase. View your credit accounts and total debt — both existing balances and available limits. Budget and plan for the future. Ensure the accuracy of the information reported about your credit. This is especially important when you’re getting ready to buy an expensive item such as a car or a new home. Correcting Errors on Your Credit Report Federal law allows consumers to challenge inaccuracies and correct their credit files, and Experian® encourages consumers to dispute any information they believe is incorrect. There is no fee. If you believe there is an error on your report, dispute it online for fast resolution. We will verify your dispute with the source of the data and receive a response within 30 days. Once we receive the response, Experian will send you the results of our investigation.