I’ve spoken to so many people about so many things in the past weeks, I felt my blog readers might have some of the same questions. It’s no secret that anything related to finances is a top concern these days. And credit is at the top of the list.

Please take a few moments to read this report about correcting errors on your credit report. Even with the real estate slowdown that’s happening around the country, Jacksonville real estate, and especially Jacksonville Beach real estate prices remain attractive. And houses are selling.

However, it won’t help your cause if you wait until you’ve made a buying decision, to check your credit report. Check it now by using the simple step by step process that follows…

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People that compile your personal credit reports are human be like me and you, they can make mistake while compiling your reports from various sources. Thus, requesting for a copy of your report often is very important.

It will allow you to know what they have compiled about you. You will be able to discover unfavorable information, request for corrections before they start spreading non-accurate information about you.

When you get a copy of your personal report, determine the status of your credit file. Study the information in it very well and attempt to remove all unfavorable information in it. All your credit history may not be contained in one file from a firm. So if possible get information from other firms too. Some information may be duplicated, or not included in the other file.

You need to take note of your full name, social security number, current and previous addresses, spouse’s name, and date of birth and make sure that they are correct because they are points used in identifying you.

Also, make sure that merchants name, credit account number, date opened, date closed, high credit limit, highest amount of credit used, and repayment history are correct, current and accurate.

After studying the file carefully if you notice any error, write out the exact error and the way you think it should be listed. You will find a space on the right-hand side of your report where you may protest any item in your report that you feel is incorrect.

You will have to attach photocopies along with pertinent information to prove your claim and send it to the bureau by mail. When the bureau gets your message they will investigate and send you the results of their investigation. You will have to exercise patience during this period because it may take the bureau some time to complete their investigation.

I look forward to your questions and comments.

Larry Buchanan Realtor

Keller Williams Realty

Phone me at:904-910-0203

email: Larry@Larry Buchanan Realtor.com

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