Members of the 850 Club can be broken into two groups. There are the super-knowledgeable tacticians trying to crack scoring algorithms, and the naturally prudent. Some are prepping for a loan. Others are just credit-score hobbyists. Paul Chua, 40, who works at San Carlos, Calif.-based Helix, a startup focused on personal genomics, is one of the tacticians.
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It depends. According to the Fair Credit Reporting Act you have the right to ask that the information on your credit reports be verified as accurate and not outdated. The credit bureaus have 30 days to complete the verification process or they must remove or change the information to coincide with your dispute. Credit repair companies may assist you in writing and that is something that you can do on your own, for free. It is sort of like cleaning your gutters or changing your oil. You can do it yourself for a fraction of the cost…the question is, do you really want to?
You had an application denied because of information on your credit report. It includes credit, insurance, and employment applications. You have 60 days from the date you learn of the denial to ask for a free copy of your credit report. The company will send you a notice that includes contact information for the credit bureau who provided the report used in making the decision.
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A: You need to provide your name, address, Social Security number, and date of birth. If you have moved in the last two years, you may have to provide your previous address. To maintain the security of your file, each nationwide credit reporting company may ask you for some information that only you would know, like the amount of your monthly mortgage payment. Each company may ask you for different information because the information each has in your file may come from different sources.