{"id":14,"date":"2016-07-27T12:00:00","date_gmt":"2016-07-27T12:00:00","guid":{"rendered":"http:\/\/www.consumerslaw.com\/blog\/how-does-your-credit-grade-stack\/"},"modified":"2020-08-26T22:25:10","modified_gmt":"2020-08-26T22:25:10","slug":"how-does-your-credit-grade-stack","status":"publish","type":"post","link":"https:\/\/www.consumerslaw.com\/blog\/how-does-your-credit-grade-stack\/","title":{"rendered":"How Does Your Credit Grade Stack Up?"},"content":{"rendered":"<p>Good grades are not just for students. Do you know how your credit grade stacks up? You may want to buy a car, refinance your mortgage loan, or simply need a loan to pay off existing obligations. If you haven\u2019t looked at your credit reports lately, now is a good time.<\/p>\n<p>And it goes without saying, the higher your credit score, which is a numerical calculation based on your credit reporting history, lenders will offer more favorable credit terms.<\/p>\n<h2>When Can I Get a Free Credit Report?<\/h2>\n<p>You can obtain one free credit report from Transunion, Experian, and Equifax every twelve months, or under the following circumstances:<\/p>\n<ul>\n<li>You have been denied credit within the past 60 days<\/li>\n<li>You are a victim of identity theft<\/li>\n<li>You are on public assistance<\/li>\n<li>You are unemployed and plan to seek employment within 60 days<\/li>\n<\/ul>\n<p><a href=\"https:\/\/www.consumerslaw.com\/blog\/how-to-get-a-copy-of-your-credit-report\/\">To request a credit report<\/a>, the bureaus ask that you provide for security purposes proof of identity, such as a current driver&#8217;s license, pay stub or utility bill.\u00a0It may take 10 to\u00a015 days to receive your reports by mail. As well, you could request reports online by visiting: annualcreditreport.com, or call:\u00a0 877-322-8228.<\/p>\n<h2>How to Dispute Credit Report Errors<\/h2>\n<p>Common credit reporting errors include mixed credit files, stale data, misapplied payments, reports of judgments or bankruptcies that are not yours.\u00a0 After reviewing a current credit report, if you see an inaccurate listing, you must\u00a0dispute it promptly in writing.\u00a0 Enclose documents that will illustrate the error. Send your dispute letter to the bureaus by Certified Mail, Return Receipt so that you have proof your letter was received.\u00a0 The bureaus have 30 days to respond to your dispute.\u00a0 If the error has not been corrected, you may need to send a second dispute.<\/p>\n<h3>Seek Legal Advice<\/h3>\n<p>Flitter Milz is a consumer protection law firm that represents people with problems involving credit reporting privacy and accuracy issues, contact from abusive debt collectors and wrongful vehicle repossessions by banks and credit unions.\u00a0 <a href=\"https:\/\/www.consumerslaw.com\/contact-us\/\"><strong>Contact Us<\/strong><\/a> for a free evaluation of your legal concern.<\/p>\n<p>&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Good grades are not just for students. Do you know how your credit grade stacks up? You may want to buy a car, refinance your mortgage loan, or simply need a loan to pay off existing obligations. If you haven\u2019t looked at your credit reports lately, now is a good time. And it goes without &hellip; <\/p>\n<p><a href=\"https:\/\/www.consumerslaw.com\/blog\/how-does-your-credit-grade-stack\/\" class=\"more-link\">Continue reading <span class=\"screen-reader-text\">How Does Your Credit Grade Stack Up?<\/span> &rarr;<\/a><\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":[],"categories":[3],"tags":[50,38],"_links":{"self":[{"href":"https:\/\/www.consumerslaw.com\/blog\/wp-json\/wp\/v2\/posts\/14"}],"collection":[{"href":"https:\/\/www.consumerslaw.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.consumerslaw.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.consumerslaw.com\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.consumerslaw.com\/blog\/wp-json\/wp\/v2\/comments?post=14"}],"version-history":[{"count":12,"href":"https:\/\/www.consumerslaw.com\/blog\/wp-json\/wp\/v2\/posts\/14\/revisions"}],"predecessor-version":[{"id":2165,"href":"https:\/\/www.consumerslaw.com\/blog\/wp-json\/wp\/v2\/posts\/14\/revisions\/2165"}],"wp:attachment":[{"href":"https:\/\/www.consumerslaw.com\/blog\/wp-json\/wp\/v2\/media?parent=14"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.consumerslaw.com\/blog\/wp-json\/wp\/v2\/categories?post=14"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.consumerslaw.com\/blog\/wp-json\/wp\/v2\/tags?post=14"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}