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Welcome to our Credit & Credit Repair Blog. My name is Clay Bowden, I live in Ft. Lauderdale, FL. I have been a debt collector for 15 years, and I wanted to start a blog on the ongoing issues that is plaguing this country with credit and debt. I want to arm you (the consumer) with very valuable information to assist you in understanding the industry a bit more. What you will see here is inside information from a debt collector’s perspective, a common understanding of credit and how it’s built and used, helpful tips on how to avoid the common pitfalls consumers get into everyday, help resolving and finding ways out of debt, and more importantly tools to get it done. Your credit profile is something you (the consumer) builds everyday of your life. While the credit bureaus are responsible and bound by Federal Statutes to gather and hold this information; what is in your credit file is solely YOUR responsibility. Yep, that’s right…the control of your credit file is 100% up to you. My 1st recommendation to anyone, before discussing their credit, or before getting too deep in, is to get a copy of their credit report. I know your thinking “great, this is going to cost me n arm and a leg”. Some of you may have been burned in the past by those companies who tell you they will get your credit report for a cost, etc… NOPE! Your elected officials have given power to the The Federal Trade Commission to act on the following statutes: Fair and Accurate Credit Transactions Act (FACTA) and Fair Credit Reporting Act (FCRA) which will allow you 1 FREE credit report from each credit reporting agency (Equifax, Experian, and Trans Union) per year. This is to allow you to verify all the information on your credit report is true and concise and to allow you remedies to resolve them if it is not. You can get your free credit report here. This is on The Federal Trade Commission’s website. You may want to read that article about credit reporting. in a box on the right hand side is an 800 phone number for you to call and get your credit report. This is a recording from the FTC that is forwarded to each of the bureaus for processing. Don’t be alarmed, they are going to ask you for some personal information like address, social security number, date of birth, etc… After giving that information, and the request has been sent to the three major bureaus, you will either receive your credit report or you may get a request letter from the bureau asking for you to send in verification of your identity. Like a phone bill, water bill, lease agreement to verify your address and a copy of your driver’s license. If you do get that notice, just comply and mail it back to them. Once they verify your identity they will send your credit report to you. This process normally takes a couple of weeks, so why not get started now? In order to repair your credit, you need to know what is on your credit report! The United Credit Authority – Online Resources For Credit, Debt and Credit Repair
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