Coulter Credit LLC

When is the last time you saw your Credit Report? Everyone is entitled to a credit report for free once a year from all 3 agencies ( Transunion, Equifax & Experian) Did you know that a bad credit score can cause one to pay higher interest rates on Auto Loans, Mortgages, Personal Loans, Credit Cards, some insurance companies will even charge you higher premiums if you have a low credit score! According to the Federal Trade Commission an estimated 10 million consumers have erroneous (false/wrong) information on their personal credit file. According to Credit Report.com "Studies show that a high percentage of consumer credit reports - up to 70 percent - contain errors". Most people will not even look at their credit report until it is too late and they have already applied/been denied for credit. Be proactive in knowing the information on your report so you know before you apply for credit that all the information is correct. Just by doing that one can save thousands of dollars that would be paid in higher interest rates.

Cleaning up your credit report is a gradual process. It involves disputing inaccurate/erroneous information in your personal credit file. Some can have results in as few as days but most will take 30 days to return the results of an investigation. If the agency reporting information on your credit report does not reply to the Credit Reporting Agency's request to verify the account it has to be deleted. If the investigation verifies that the information is yours, and you have proof that it is definitively not yours,one can seek the expertise of a consumer lawyer to take legal action against the agency reporting erroneous information and causing harm to your good name.

http://www.consumerfinance.gov/newsroom/