Arlington & Weatherford TX Ways To Raise Credit Score | Credit Pulls
With interest rates at all-time lows, you may be ready to open a new line of credit or refinance a loan. If that’s the case, you may have realized how important it is to have the most accurate and best credit score you can, which all begins with the quality of your credit report.
One of the easiest inaccuracies on your credit report to correct is under the section labeled “Hard Pulls,” which list certifiable credit checks, which you have commissioned within the past year to two. Or at least, that’s how it’s supposed to work.
If you haven’t done so this year, download and study your entire credit report. It’s free and safe to do up to three times per year at <www.annualcreditreport.com>.
When it comes to your credit score, a completely accurate report will be your best aid in keeping your score as high as possible. While accounts and lines of credit that you don’t recognize can be a major undertaking to fix, illicit hard pulls may be an easier place to start, as potential creditors will examine your financial information to get an advantage in a negotiation, a sale, or some other instance.
Fair Credit Reporting Act Protection, Attorney to Grapevine, Arlington, and DFW
If you don’t see anything out of place in the hard pulls section, then that’s good news. Your credit is healthy and accurate. Keep checking, especially anytime you step foot on a car dealer’s lot.
But let’s say you do see something that doesn’t look right, or duplicates information. A car lot pulled your info twice? A potential company pulled your info without your permission? Any number of illegal credit pulls can occur if they’re considered “hard,” and you need to be ready to defend yourself against them.
When you stand up for your rights as a consumer under the Fair Credit Reporting Act, you have federal law behind you to ensure success and fair treatment at the hands of those who might otherwise deceive you. Moreover, I’ll fight for your rights if they don’t address the matter in a timely manner.
Improve Credit Score for Aledo, Azle, Pantego Financing | Protect your SSN
I’m James Foley, PLLC to great Texans across the state, especially helping those in Grand Prairie, Richland Hills, Grapevine, and Joe Pool get the fair shake they deserve. If you find an incorrect hard pull on your credit report, the CRA may not fix it, or may ask for information you don’t have, in order to do so.
For the price of postage, I’ll begin the process of correcting your registry of hard pulls with the CRA, which they’ll pay close attention to, since the letter will be on an attorney letterhead. In the case that the agency still fails to act, I’ll initiate a lawsuit in order to have the issue corrected, and to owe you damages you may deserve.
I’ve worked with happy clients across Anetta, Aledo, Azle, and Mineral Wells, as well as in Arlington, Euless, Mansfield, and more to make sure their hard pulls are taken seriously and taken care of.
So call me anytime at 817-738-1633, or visit my downtown Fort Worth offices, and we’ll hit the ground running with hard pulls, credit reporting accuracy, or whatever credit needs you may have concerns about.
And remember, the statute of limitations on correcting a hard credit pull is as low as two years. If you only check your report once a year or less, that could leave you with only months or weeks to act. Don’t wait another day!