In much the same way that a resume displays your work experience to a prospective employer, a credit report provides prospective creditors (and in some cases employers and insurers too) with a detailed picture of your credit history. And like a resume, your credit report can influence whether you will receive what you are applying for.

Ideally, your credit report is an accurate, up-to-date reflection of your credit history. However, since we don't live in an ideal world, there are many reasons that your credit report could contain inaccuracies that might prevent you from receiving the credit you deserve. The good news is you can take action to keep your report accurate. Here are the top five reasons why you should make a practice of regularly reviewing your credit report:

Inaccuracies & Mixed Credit Files

Many inaccuracies on a credit report can be the result of simple human error, and are therefore are not difficult to dispute. Of course, if you don't order your credit report, you might never know about it. Whether the inaccuracies relate to payments not credited, late payments, or data mixed in from the credit file of someone else with a name similar to yours, you will want to contact the credit bureau to dispute inaccurate information promptly.

Tracking Payments

One of the most important elements of credit is a demonstrated history of on time payments. Once you send the check though, anything can happen--a delay in the payment being received can kick you over to a 30-day delinquency. If you call your creditor and explain the situation, they might adjust the information. Of course, if you don't read your credit report, you won't necessarily know which payments are being received and reported properly.

Identity Theft

This issue alone is reason to order your credit report immediately. Identity theft is an insidious crime, involving a thief who assumes your name to open new accounts, divert your card statements to another address, and run up all sorts of bad debt without you ever knowing about it until collectors come calling. Over time, identity theft could jeopardize your ability to obtain further credit. The best way to catch a thief who is using your name is by getting a copy of your credit report, which will show you if there are accounts listed you know you haven't opened. For example, if a thief has intercepted a pre-approved credit card offer in your name and sent it in with a change of address, your credit report will include the account.

Inquiries

If you're shopping around for a loan or more credit, you should know that when creditors check your credit, it places an inquiry on your credit report. Inquiries can add up, which is often interpreted as a negative by creditors. For this reason, too many inquiries can actually make getting credit more difficult. Moreover, if you didn't authorize someone to look at your credit report and they did, they may have broken the law.

Credit Fraud--Unauthorized Charges

Credit fraud involves the theft of your credit card or account number to make unauthorized charges to your account. Though consumers are protected financially from this abuse, other creditors may take note of all this activity and decide to raise your interest rates or refuse to grant you a loan. Ordering your credit report will help you catch new activity on accounts that you haven't been using, or may have closed.

When it comes to managing your credit worthiness, your credit report is your best resource. Ordering your credit report gives you the opportunity to manage your credit wisely today, while planning your credit strategy for achieving future goals--a credit-savvy move every consumer should make! Click Here to Learn More About Credit Repair

The three main credit bureaus are: TransUnion, Experian and Equifax. Lenders judge your credit worthiness using the FICO scoring system. Your FICO score is calculate with information from these credit bureaus by using the amount you owe on non-mortgage-related accounts such as credit cards, your payment history, and your credit history. The FICO score ranges from 300 to 850. The higher your FICO score, the lower your interest rate will be. Since it’s possible the information from the credit bureaus is inaccurate, it is very important you check your credit report on a regular basis. Since a high FICO score can save you thousands of dollars on your home mortgage or car loan, it is very important that you repair your credit immediately if your FICO score is below 680.
What is your FICO Score?

Will you get the best rate on your next loan?

FICO Score

Rating

Best Interest Rate

780+

Perfect

Yes

720-780

Excellent

Yes

675-720

Average

No

620-690

Fair

No

Below 620

Low

No

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Repair your credit - Increase your score

Content on this web site is provided for informational purposes only. We accept no responsibility for any loss, injury or inconvenience sustained by any person resulting from information published on this site. We encourage you to verify any critical information with the relevant authorities.

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Missouri CreditRepair

Missouri Legal Services.

SaintLouis Legal Services

The Fair Credit Reporting Act gives you the right to have inaccurate, untimely, misleading, or unverified information deleted from your credit report!

While you have the legal right to work out your credit disputes with the credit agencies, you may want to consider utilizing a trained staff of lawyers, paralegals and legal assistants, all using state of the art technology. Raising your credit score can save you thousands of dollars over the course of your mortgage. You should start by obtaining your free credit report & scores today.

In the city, you can find a diverse selection of legal services and legal service professionals. Land-use attorneys and real estate lawyers can help you settle disputes over zoning and other property-related laws and regulations. Accident and injury attorneys can ensure that you get rightful compensation in the event of an accident-related injury. Tax attorneys and finance lawyers can help you with questions regarding your legal rights when it comes to bankruptcies, liens against personal property, debt consolidation, credit problems, and banking and securities law. Criminal attorneys can help in cases involving fraud, theft, and violence and ensure that your civil and legal rights are adhered to. Attorneys skilled in family law can help with prenuptial agreements, legal separations, visitation privileges, alimony, child custody, and child support issues. There are also attorneys that specialize in DUI, DWI, and other traffic law offences that might be able to help with violations you received while operating a motor vehicle. Proper legal representation is not only a wise choice; it’s also your right as a U.S. citizen. So whatever your legal need, you are likely to find whatever assistance you need right here in the city.

In 2006, St. Louis, MO received international recognition when they were awarded the World Leadership Award by the World Leadership Forum, in the category of urban revitalization. Home to more than 1,000 one-of-a-kind restaurants and a seemingly infinite number of attractions, St. Louis has also been named Home Field for the 2009 Major League Baseball All-Star Game. St. Louis can be considered the complete getaway destination that is easy on the wallet. The city offers more free, major attractions than any place outside of the nation’s capital. Among some of the most popular free of charge attractions are the St. Louis Art Museum, the science center, Missouri History Museum, The Anheuser-Busch Brewery, Grants Farm and dozens of others. St. Louis is also home to Gateway Arch, which is America’s tallest man-made monument as a tribute to the opening of the American West. You can take a Gateway helicopter tour, a tram ride to the top, a riverboat cruise or you can rent a bike and take a ride on the Riverfront Trail. After a long day of sightseeing and financial friendly activities, you can take in a Broadway-style show under the stars at The Muny, America’s oldest and largest outdoor musical theater. It is open nightly from mid-June through mid-August.

The state of Missouri is home to one of America’s favorite cities, St. Louis. Here vistors will find the Gateway Arch where you can ride more than 600 feet over the Mississippi River for a spectacular view of the city and its surroundings. In the city visitors will find one-of-a-kind dining experiences, the Anheuser-Busch Brewery, riverboat casinos, and ample nightlife, including, of course, plenty of live entertainment considering it is the birthplace of the Blues. After a night of excitement, a leisurely stroll through the newly landscaped Forest Lake’s Park or the charming Missouri Botanical Gardens is bound to help anyone relax and recooperate, as will a scenic drive along the historic Route 66. Or for those who just want to get away from it all, there’s more to Missouri than St. Louis alone. With numerous state parks, rivers, and caves throughout the state, visitors will find many chances for outdoor fun. Popular sports include canoeing, rafting, kayaking, or tubing in sparkling rivers, fishing in Missouri’s streams and lakes, golf, hiking the Ozark Trail, and cycling. In fact, cyclists will find particular delight in touring along the 225-mile long, hard-packed gravel path that winds through Katy Trail State Park. Horseback riders can also use portions of the path for equestrian pursuits. For those that can’t find enough to do above ground, Missouri also has over 6,200 unique and colorful caves throughout the state.

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