Credit Challenges

I'm sitting in my office with Calvin. His credit is a bit beat up from past delinquent payments and collections. To improve his credit rating, he can "Challenge" the ugly mark via a dispute with the credit agency which is reporting the delinquent. Not all three of the major reporting agencies report the same stuff, so you might see a Delinquent payment only from TransUnion and not the others. Try to resolve any other disputes directly with the source rather than collection agencies. Your credit blunders of years gone-by will haunt you forever... so take action to make sure your credit is clean. Seek professional advice. Many of the online credit scoring companies don't actually give you good information...and it's a waste of your money. Get the right help. Pat Townsley, Credit Medic & Broker. www.PTRE.net, toll free: 800-646-5527