Quick Search

Active Bloggers

Min Sammy Jackson Min Sammy Jackson
class of 1975
Will Moss Will Moss
Hampton University class of 1995
HBCU CONNECT HBCU CONNECT
Central State University class of 1995
Jordan Davis Jordan Davis
University of the District of Columbia class of 2025
Shykeria Lifleur Shykeria Lifleur
Other College... class of
Randi Payton Randi Payton
University of the District of Columbia class of 1982
P C P C
class of
How May I Help You NC How May I Help You NC
Bellarmine University class of 2021
Joel Savage Joel Savage
class of 1993

When was the last time you had a "credit check up"

When was the last time you had a "credit check up"
Posted By: Hardest Working Woman in Credit on June 14, 2009


Well, if you haven’t checked it in awhile, it’s time for a check up. According to the National Consumer Law Center Report released in January 2009, it estimated that six million or more have credit errors. So where do consumers start? First, you may order a free copy at www.annualcredit report.com. My suggestion would be to subscribe to a monitoring service where you can monitor your progress. It is important to get a service where you can see your credit scores. Also, review all your credit reports, not just from one credit bureau.

I have compiled a list for you to get started. You will want to start from the bottom and work your way down. In my experience, consumers may be most successful by submitting disputes a little at a time.

Summary, this is where you need to ensure that your name, address, employment, etc are all correct. Start first by sending a dispute letter to the credit bureaus and get this updated first.


Mortgages, make sure you mortgage is being updated and the balance is correct. If you have old mortgages that have been refinanced, make sure they are updated and closed. Some major errors in this section may be that you payment may be still reporting. This is very important as it relates to your debt to ration.


Revolving, you want to make sure that the company is reporting your credit limit. Often times, this information is incorrect and reports wrong. This could affect your credit utilization individually and overall credit utilization.




Installment, make sure all your accounts are closed in this section, if you have paid an account off. The fico score takes in consideration the number of open accounts. In my research, and reviewing files, collection accounts are reported as installments accounts. You want to make sure there are no collection accounts in your installment section.


Collection, the secret here is that your accounts are not being re-aged or duplicated. You may find the same accounts reported multiple times under different company names. The account number changes and the balances tends to change. It is a good idea to reflect on old credit reports to see what the “date of last activity, and open date is” Collection companies sell accounts all the time and in the process your dates may get change. The date is very important because collection accounts only stay on your file for seven years.


Public Records ,ensure that your dates are accurate and if the amount is reported corrected. You may find duplicates in this section as well. Some companies may file a judgment and the collection still reports in the collection section. Be careful of duplicate accounts.


Inquires, you may want to review your file for inquires that you did not inquire about. Often times, consumers are unaware about inquires related to auto purchases. You may have only signed one application, but your application is shopped to many lenders. Make sure when you are seeking a car loan, you give permission for each inquiry. You will be surprised how many inquiries show up that consumers did not authorize. Inquires only stay on your file for two years.


Last, make sure you dispute old and outdated information that is more than seven years old.
If you enjoyed this article, Join HBCU CONNECT today for similar content and opportunities via email!
Comments
Please Login To Post Comments...
Email:
Password:

 
More From This Author
The benefits and dangers of a secured credit card
World Exclusive Interview for Innocent Victims (A must read for Everyone)!!
Thank You
Offical Press Kit (The book Innocent Victims)
Top three reasons consumers have bad credit
A warning of reopening (OLD COLLECTION ACCOUNTS)!!!
Latest Blogs
WOMEN OF GOD in UNITY Working Together

WOMEN OF GOD in UNITY Working Together

5 Anointed Christian Women talking about things happening in our communities Throughout the nation and should be change with our help daily. And there will be 2 recording gospel Artist at this event p ...more
Min Sammy Jackson • 27 Views • March 9th, 2026
WOMEN OF GOD in UNITY Working Together

WOMEN OF GOD in UNITY Working Together

5 Anointed Christian Women talking about things happening in our communities Throughout the nation and should be change with our help daily. And there will be 2 recording gospel Artist at this event p ...more
Min Sammy Jackson • 26 Views • March 9th, 2026
Behind the Wheel of the Hot 2026 Kia Sportage Review

Behind the Wheel of the Hot 2026 Kia Sportage Review

Compact SUVs remain competitive, and Kia’s best-selling model for 2026, the Sportage, gets a major mid-cycle update to stay ahead. During a week with the new Sportage Hybrid SX-Prestige AWD, I tested ...more
Randi Payton • 148 Views • March 5th, 2026
Season Opener

Season Opener

Open door looks inviting; You see noone near the vehicle yet the door has been wide open for an unusual amount of time! 🤔💭“maybe I should help them out or should I just stick to th ...more
How May I Help You NC • 155 Views • March 4th, 2026
Motivational Artist MARCUS PARKER Creates Rize Mode A AI Powered Artist

Motivational Artist MARCUS PARKER Creates Rize Mode A AI Powered Artist

@MARCUSPARKER #MARCUSPARKER @RIZEMODE #RIZEMODE @WISEDIVAS #WISEDIVAS FOR IMMEDIATE RELEASE Underground Motivator MARCUS PARKER Launches AI Artists and New Guide to Help Others Build Their Own ...more
LaMarr Blackmon • 193 Views • March 2nd, 2026
Popular Blogs
Divorce in America in 2009 – What’s love got to do, got to do with it?

Divorce in America in 2009 – What’s love got to do, got to do with it?

Join Brother Marcus and the cast and the crew of the Brother Marcus Show live this Sunday evening on February 1, 2009 @ 8:00 p.m. for another hot topic in our community! “Divorce in America in 2009 ...more
Brother Marcus! • 70,859,798 Views • January 27th, 2009
VISINE ALERT!!!

VISINE ALERT!!!

Seemingly innocent medication such as Visine eyedrops are used by people to concoct a mixture with similar effects as a date-rape drug. When mixed with alcohol and taken orally, the eyedrops can l ...more
Siebra Muhammad • 118,510 Views • May 23rd, 2009

"Chain Hang Low" check out the real meaning of the Lyrics!

Recently there is a new artist out of Saint Louis that goes by the name JIBBS. Jibbs debut single "Chain hang low" has a history that most people are not aware of. The particular nursery rhyme that th ...more
Tyhesha Judge-Fogle • 75,922 Views • November 9th, 2006
HBCU Marketplace Gifts: Divine 9 Premium Fraternity / Sorority Playing Cards

HBCU Marketplace Gifts: Divine 9 Premium Fraternity / Sorority Playing Cards

Vendor: Charles Jones Item Price: $20.00 Price Includes Shipping: Yes - Shipping Included Item Description: Pantheon Series - Divine 9 - Premium Playing Cards (choose Gold Series or Silve ...more
How May I Help You NC • 61,762 Views • December 2nd, 2018
Black College Student Sentenced to 12 Years in Prison for Kissing a White Girl

Black College Student Sentenced to 12 Years in Prison for Kissing a White Girl

Albert N. Wilson, a former University of Kansas student, has been sentenced to 12 years in prison and a lifetime of probation after being convicted by an all-white jury of raping a white teen girl. Bu ...more
Will Moss • 54,692 Views • June 4th, 2020
Please Give Us a Like on Facebook!