Credit Freeze and Data Repair Strategies

By Credit Report Relief

"Credit Freeze and Data Repair Strategies" lays out a path on how to build and repair your personal credit report. We go into explicit detail into how the initial credit application or collection account is linked to your credit profile with string matching, this process is not hundred percent accurate, which leaves grounds for deletion.

We would be naïve to think of these companies aren't interconnected, sharing our information with each other behind the scenes. In this text you will learn how to stay on top of your data so repository companies can't exploit you.

• Language: English
• Publisher: BookBaby
• Release date: Apr 2, 2021
• ISBN: 9781098367213

Book preview

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Credit Freeze and Data Repair Strategies

Credit Report Relief

ISBN (Print Edition): 978-1-09836-720-6

ISBN (eBook Edition): 978-1-09836-721-3

© 2021. All rights reserved. No part of this publication may be reproduced, distributed, or transmitted in any form or by any means, including photocopying, recording, or other electronic or mechanical methods, without the prior written permission of the publisher, except in the case of brief quotations embodied in critical reviews and certain other noncommercial uses permitted by copyright law.

Index

Disclaimer of Liability

Introduction

Section One

Section Two

Section Three

Section Four

Section Five

Conclusion

Disclaimer of Liability

The material and information contained within this book is for entertainment purposes only and is based on my opinion. You should not rely upon the material or information in this book as a basis for making any financial, legal or any other decisions. I am not a financial advisor nor a lawyer. Any action you take upon the information within this book is strictly at your own risk. 

Introduction

The time is now, there’s no more time to waste dealing with bad credit, this could be costing you hundred if not thousands of dollars annually in high interest rates. Being denied a personal loan could prevent you from participating in a joint venture even getting that dream home.

This book is intended to give you the consumer a different perspective on utilizing multiple tactics into your credit repair journey. We all know there’s no one method that fits all, actually there’s no set in stone procedure into how to dispute inaccurate information. Within this book there’s many strategies that’ll give you a solid foundation to build off of, regardless of what stage you’re at within your repair process.

Before we go any further, let’s break down a few important words and abbreviations: 

Data Furnisher ( DF ): Is an entity that reports information about a consumer to a consumer reporting agency. 

Creditor: A person or company to whom money is owed. 

Debtor: A person or institution that owes a sum of money. 

Inaccurate : False or inaccurate description of goods. 

Disclosure: The release of information about a person or entity. 

METRO 2: Credit reporting software for creditors to report to major credit bureaus. 

E- OSCAR: Is a web base, metro 2 compliant, automated system that enables DATA FURNISHER and CREDIT REPORTING AGENCIES to create and respond to consumers credit disputes. 

Flat file data: traditional flat filing system so that each consumer has their own file. 

Pinning data: pins are assigned to trade lines based on algorithms that find the consumer that best matches the personal header information.

FCRA: Fair credit reporting act. 

www.ffiec.gov

Reviews for Credit Freeze and Data Repair Strategies

[michelle · Rating: 5 out of 5 stars]

this book was filled with a lot of great information, some I already knew, some I did not. The contact information for the "data furnishers" is well worth reading the book, alone. At only 54 pages in length, It was a quick read and also extremely helpful in my endeavor of correcting MY credit report and raising MY FICO.