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Credit Report Check-UP
İMoney Magic, Inc.1/15/00
Saturday Daybreak KATV, Chn. 7
Mary Ann Campbell, CFP

 
The Situation:
There are many errors made entering data into your credit report. The time to learn about misinformation is before you need additional credit.
Identity thieves are on the rise. They obtain your name, address, and social security number and open charge accounts in your name; but send the merchandise to their address.
Money Magic Solutions
1. Equifax 800-685-1111
2. Experian 888-397-3742
3. TransUnion 800-888-4213

Obtain a copy of your report for $8. Check to make sure all information is correct, and that there are no accounts open that are not yours.

There is no charge for the report if you have been denied credit, employment or insurance due to your credit report within the past 60 days.

4. 888-5-OPTOUT

To have your name removed from preapproved credit card offers.

Use your "Magic" to maintain a good credit report by:
  • Paying on time
  • Paying full minimum
  • Limiting amount of credit
  • Limiting number of credit inquiries
Tricks that work:

If you’re being hit with those gargantuan late fees; consider having the minimum amount due drafted from your checking account each month. You will stop those pesky late fees and you can always pay more.