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Debts play a big role in determining your credit score. Debt makes up to 30% of your credit score calculations, and thus should not be taken lightly. Many insurance companies, banks or loan companies manage numerous policies and rules that can enhance or protect against possible debt. Repair Your Own Credit File and have a Good Credit Score by going to https://www.thecreditjourney.comSince these companies work with a wide variety of costumers with dissimilar economical statuses, they usually offer services, cards or insurances that handle different fees. All fees are calculated based on contracts firmed an accepted when the customer agrees to a service or card. But these contracts are subject to change and, even with given notice to the client, many of these changes go unnoticed. They are extraneous, seemingly insignificant, or too complicated to understand through cards and emails. After some years –or even months– of holding a card or having acquired insurance or loan, many clients don’t remember every detail and particular rule of the contract they signed.
Debts play a big role in determining your credit score. Debt makes up to 30% of your credit score calculations, and thus should not be taken lightly. Many insurance companies, banks or loan companies manage numerous policies and rules that can enhance or protect against possible debt. Repair Your Own Credit File and have a Good Credit Score by going to https://www.thecreditjourney.comSince these companies work with a wide variety of costumers with dissimilar economical statuses, they usually offer services, cards or insurances that handle different fees. All fees are calculated based on contracts firmed an accepted when the customer agrees to a service or card. But these contracts are subject to change and, even with given notice to the client, many of these changes go unnoticed. They are extraneous, seemingly insignificant, or too complicated to understand through cards and emails. After some years –or even months– of holding a card or having acquired insurance or loan, many clients don’t remember every detail and particular rule of the contract they signed.
In addition to changeable fees, when creditors
calculate debts, some of their data might be wrong. Even the calculation itself
could be erroneous. Everyone, no matter how large or insignificant that debt
may be, has the legal right to dispute any calculation that it is deemed to be
incorrect. So, yes you should dispute any debt that looks incorrect.
Dispute can come for many other reasons:
unauthorized charges, charges with wrong date or amount listed, charges for
services that weren’t delivered, failure to register any payment made by the
customer, failure to send bills to your address or charges that the customer
cannot explain.
In these cases, both customer and creditor have
a series of responsibilities to the dispute. The customer should write a letter
and send it to the creditor’s address for ‘billing inquiries’. It is also recommended
to have information that will back up the dispute just in case any proof is
necessary. Creditors, on the other hand, have the responsibility to investigate
every dispute and every charge that might be deemed to be incorrect or
inaccurate. During this period, the creditor cannot take any legal action
against the customer. A potential debtor has the legal right to decide dispute a
bill, and creditors have the legal duty to respect that decision.
Of course, all this sounds great put on paper,
but the credit system is still complex and hard to understand completely. This
is why many people have dedicated their life to help potential investors (all
citizens are potential investors) to better their credit scores and gain access
to all the benefits to which they lead. Such is the case of Art Gulle, author
of the celebrated book “Act Like a Homeowner, Think Like an Investor.” Art
Gulle has had it share of experiences with credit. Living through up and downs,
and facing the many challenges that come with managing credit, Gulle learned
all the insides and the outsides of managing credits, and has used this
knowledge to help people for the last 14 years. His latest project is a “Home
Buying Options and Credit Repair Classes, currently being held at the Riverdale
Center in Riverdale Geogia where you can learn about his wide range of useful home
buying and credit repair information. For more information visit:
freevideos.thecreditjourney.com
