Credit Debt | Credit Score | Credit Report - AFS CREDIT Repair

1. The Importance of Resolving Credit Mistakes and Issues? Your credit history can determine if you can get a loan, and even where you live or work. Credit scores are built from your credit history and can determine how much you pay to borrow money for a car or house. Yet, many people don't know where to start when it comes to building, improving, or protecting their credit history. Three common credit problems are: • Lack of Enough Credit History Many people may not know that having no credit history, or a limited credit history, can create issues similar to having negative information in your credit history. If you don't currently have a credit history, you're not alone. One in ten adults experience "credit invisibility," meaning they do not have any credit history with one of the three nationwide credit reporting companies. Many more don't have enough of a credit history, sometimes referred to as having "thin" credit, to generate a credit score. People with thin or no credit history may find it difficult to apply for a loan or rent an apartment. What you can do; Take action to help build your credit history responsibly. There are a number of products considered helpful in establishing or rebuilding credit histories, and they provide you with the opportunity to practice making on-time payments that are reported to the credit reporting companies. These may include secured credit cards, credit builder loans, or retail store credit cards. • Denied Credit Application If you've been denied an application for a loan or line of credit, there are steps you can take to improve your credit score or dispute inaccurate information on your credit report. What you can do: If a lenderrejected your application based on your credit report, they must provide specific information about why your application was rejected or tell you that you have the right to learn more about why you were denied if you ask within 60 days.Review your credit reports. Make sure the information in your credit reports is accurate.If you find errors, take steps to correct them.Improve your credit historywith a few best

2. practices, such as paying your bills on time and limiting your credit use to no more than a third of your credit limit. • Fraud or identity theft Identity theftoccurs when someone uses your name, Social Security number, date of birth, or other identifying information, without authority, to commit fraud. What you can do: Reviewingyour credit reports each yearto make sure they contain only information about you. Immediately,reporting any inaccurateor suspicious information on your credit reports. Placing afraudalertorsecurity freezeon your credit reports Best Company to Resolving Credit Mistakes and Issues: - AFS Credit Repair AFS works hard to deliver results when dealing with raising your credit score. Our experienced agents use every possible tool in the industry to meet and exceed your credit score needs. We understand that improving your credit is the most important priority right now, and you will be treated with respect and professionalism from the very first moment you contact us. AFS Credit Repair mainly focuses on review your credit reports, work to remove inaccurate & unfair negative items and manage your credit wisely moving forward. Call Today 713-822-2630 Email -joshua@afscreditrepair.comWebsite - https://www.afscreditrepair.com