credit counseling consumer

To know what you are available to get when it comes to credit as well as to know where you have gone wring and to make a start trying to fix it you will need to get access to your credit report. Unfortunately some people have not been able to do this because they do not have a credit card, but now this has changed as you can get a free credit report no credit card needed.

The benefit to this is that no matter whether you have a card or not you can find out the information that is held about you when it comes to your financial status.

You may wonder if some of the access credit report sites are free then why they need use of your credit card at all. This is so that they can be sure it is you who is wanting this access. It is not a bad thing that they only want to give the information to people who want it for genuine use, rather than people looking to fraudulently use the accounts of people who have good credit ratings.

The way in which you can gain access without a credit card or a debit card is that you will register with a company that allows you to prove who you are by another method. This method is usually by post. Once you have registered with the company they will send you a unique code via post. When you have received it you will then sign into your account and input the code, this then will prove that you are who you say you are and that you are entitled to see the information. The whole process takes just a couple of days.

Once you have this information you will know where you currently stand as well as whether you will be able to get certain kinds of credit such as credit to enable you to get a car, a mortgage and many other kinds of credit you may require whether a monetary loan or an item.

With fraud becoming a growing problem it is a good idea to be able to ensure that any marks against your name are ones that you feel you have earned so to speak. If you do see that there is information under your name that you have not had anything to do with you will have to get in touch with the fraud squad so that it can be investigated as well as being able to have the report altered so that it only reflects the information about your usage when it comes to any credit you have had previously as well as any faults on payments.

Even if the report shows that you have faulted on payments beforehand you can repair you credit rating and the way in which you will do this is to get in touch with the companies that you have faulted on payments with and make an arrangement so that you can affordably pay it off. They will be ready to negotiate and the benefit to this is that once you inform the credit report holders then your report can be changed accordingly and as you are making an effort to pay off debts others will be more willing to give you credit so all is not lost.

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