In much the same way that a resume displays your work experience to a prospective employer, a credit report provides prospective creditors (and in some cases employers and insurers too) with a detailed picture of your credit history. And like a resume, your credit report can influence whether you will receive what you are applying for.

Ideally, your credit report is an accurate, up-to-date reflection of your credit history. However, since we don't live in an ideal world, there are many reasons that your credit report could contain inaccuracies that might prevent you from receiving the credit you deserve. The good news is you can take action to keep your report accurate. Here are the top five reasons why you should make a practice of regularly reviewing your credit report:

Inaccuracies & Mixed Credit Files

Many inaccuracies on a credit report can be the result of simple human error, and are therefore are not difficult to dispute. Of course, if you don't order your credit report, you might never know about it. Whether the inaccuracies relate to payments not credited, late payments, or data mixed in from the credit file of someone else with a name similar to yours, you will want to contact the credit bureau to dispute inaccurate information promptly.

Tracking Payments

One of the most important elements of credit is a demonstrated history of on time payments. Once you send the check though, anything can happen--a delay in the payment being received can kick you over to a 30-day delinquency. If you call your creditor and explain the situation, they might adjust the information. Of course, if you don't read your credit report, you won't necessarily know which payments are being received and reported properly.

Identity Theft

This issue alone is reason to order your credit report immediately. Identity theft is an insidious crime, involving a thief who assumes your name to open new accounts, divert your card statements to another address, and run up all sorts of bad debt without you ever knowing about it until collectors come calling. Over time, identity theft could jeopardize your ability to obtain further credit. The best way to catch a thief who is using your name is by getting a copy of your credit report, which will show you if there are accounts listed you know you haven't opened. For example, if a thief has intercepted a pre-approved credit card offer in your name and sent it in with a change of address, your credit report will include the account.

Inquiries

If you're shopping around for a loan or more credit, you should know that when creditors check your credit, it places an inquiry on your credit report. Inquiries can add up, which is often interpreted as a negative by creditors. For this reason, too many inquiries can actually make getting credit more difficult. Moreover, if you didn't authorize someone to look at your credit report and they did, they may have broken the law.

Credit Fraud--Unauthorized Charges

Credit fraud involves the theft of your credit card or account number to make unauthorized charges to your account. Though consumers are protected financially from this abuse, other creditors may take note of all this activity and decide to raise your interest rates or refuse to grant you a loan. Ordering your credit report will help you catch new activity on accounts that you haven't been using, or may have closed.

When it comes to managing your credit worthiness, your credit report is your best resource. Ordering your credit report gives you the opportunity to manage your credit wisely today, while planning your credit strategy for achieving future goals--a credit-savvy move every consumer should make! Click Here to Learn More About Credit Repair

The three main credit bureaus are: TransUnion, Experian and Equifax. Lenders judge your credit worthiness using the FICO scoring system. Your FICO score is calculate with information from these credit bureaus by using the amount you owe on non-mortgage-related accounts such as credit cards, your payment history, and your credit history. The FICO score ranges from 300 to 850. The higher your FICO score, the lower your interest rate will be. Since it’s possible the information from the credit bureaus is inaccurate, it is very important you check your credit report on a regular basis. Since a high FICO score can save you thousands of dollars on your home mortgage or car loan, it is very important that you repair your credit immediately if your FICO score is below 680.
What is your FICO Score?

Will you get the best rate on your next loan?

FICO Score

Rating

Best Interest Rate

780+

Perfect

Yes

720-780

Excellent

Yes

675-720

Average

No

620-690

Fair

No

Below 620

Low

No

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The Fair Credit Reporting Act gives you the right to have inaccurate, untimely, misleading, or unverified information deleted from your credit report!

While you have the legal right to work out your credit disputes with the credit agencies, you may want to consider utilizing a trained staff of lawyers, paralegals and legal assistants, all using state of the art technology. Raising your credit score can save you thousands of dollars over the course of your mortgage. You should start by obtaining your free credit report & scores today.

In the city, you can find a diverse selection of legal services and legal service professionals. Land-use attorneys and real estate lawyers can help you settle disputes over zoning and other property-related laws and regulations. Accident and injury attorneys can ensure that you get rightful compensation in the event of an accident-related injury. Tax attorneys and finance lawyers can help you with questions regarding your legal rights when it comes to bankruptcies, liens against personal property, debt consolidation, credit problems, and banking and securities law. Criminal attorneys can help in cases involving fraud, theft, and violence and ensure that your civil and legal rights are adhered to. Attorneys skilled in family law can help with prenuptial agreements, legal separations, visitation privileges, alimony, child custody, and child support issues. There are also attorneys that specialize in DUI, DWI, and other traffic law offences that might be able to help with violations you received while operating a motor vehicle. Proper legal representation is not only a wise choice; it’s also your right as a U.S. citizen. So whatever your legal need, you are likely to find whatever assistance you need right here in the city.

San Antonio explodes with arts and culture, history, world-class cuisine and opportunities for fun and romance. A cosmopolitan city, the seventh largest in the United States, San Antonio still captures the independent spirit of Texas, as well as old-world charm. With more than twenty million visitors a year, San Antonio is a crossroads and a meeting place for Texans as well as travelers from all over the United States and the world. San Antonio has just about any attraction or activity that you could want, from historical sights and authentic culture to pro sports and modern theme parks. Home to not only the Alamo, but also to four other Spanish missions, San Antonio is infused with the history and traditions of the past. The River Walk, also known as the Paseo del Rio, provides relaxing entertainment as it meanders through a truly cosmopolitan city. Take a stroll along the river that winds through the center of downtown, and stop in shops and restaurants along the way. San Antonio also fosters great artistic talent, from offbeat galleries to great museums like the McNay, the Witte and the San Antonio Museum of Art. Or, get your thrill at Six Flags Fiesta Texas, and splash around with aquatic friends at SeaWorld San Antonio. San Antonio is also a shopper's paradise. With miles upon miles of outlets, malls, galleries, unique shops and Mexican markets, it's easy to find great gifts or the perfect fit. If you're into local finds, Artisan's Alley, El Mercado, and La Villita offer unique crafts, local art, antiques and south of the border imports. Large shopping centers like the Quarry Market, North Star Mall, Rivercenter Mall and the Shops at La Cantera are also great for finding designer bargains. For a change of pace make sure to stop by and check out the world famous San Antonio Spurs. The Spurs have won four national championships in the NBA since 1973. Playing at the all new AT&T Center the Spurs - as of November 2006 - rank second among active franchises for the highest winning percentage in NBA history. With the 2007 sweep, the Spurs have the highest winning percentage in NBA Finals history. They have only missed the playoffs 4 times as an NBA franchise. Don’t miss an oppertuinity to see history come alive as San Antonio proves to be a crossroads for great achievements both past and present.

As one of the largest states in the Union, Texas, the Lone Star state, is big on tourism and huge on fun. Two thirds of the over 20 million folks who call Texas home live in its major metropolitan cities, like Houston, Dallas, and Austin. Aside from the typical things most big cities have to offer, like great food and exciting nightlife, folks in Houston can also sign up for space camp. In Dallas, nothing beats catching the Dallas Cowboys football team in action during a home game, or witnessing a true cowboy ride a live, bucking bull in a Dallas rodeo. And, in Austin, the city dubbed “Live Music Capital of the World”, there is always a good band playing and many other types of live entertainment, from theater to orchestras. If relaxing by the warm water of the Gulf of Mexico is more your speed, then head down to the state’s hundreds of miles of coastline. Aside from its many small, quaint beach towns, there’s also Corpus Christi, where you can enjoy a delicious seafood meal while watching the boats sail in and out of the harbor past the barrier islands located just off the mainland. Texas also has several water parks and amusement parks, including the famous Six Flags Over Texas. Whatever you decide to do in Texas, you’re bound to have a good time. And, before you leave, there are two things you definitely don’t want to forget, your luggage…and the Alamo.

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