My Credit Report is Very Important
Ok, in all actuality, everyone’s credit report is important. There are times, though when it is in the back of our minds and not putting too much of a direct impact on anything we are currently dealing with from day to day.
But, I am getting ready to buy a house. On my own. For the first time. All of the homes I owned with my ex during my marriage were mortgaged in his name, so this is the first time that my credit report will have to stand alone to make a big financial venture work for me.
So, right now my credit report is VERY important to me. And, it is not without some glitches, I must add. There is a medical bill on there from a company that failed to bill me for more than a year after I was in the hospital. On policy, my insurance company refused to pay it. I mean, it had been OVER a year that they waited to try and bill for it. Their attorney went after me and I settled. I have the letter form the courts saying the issue is settled, but there is sits on my credit report. On no fault of my own.
And then there is the money one phone company admits we never owed them, but that they keep selling to various collection agencies. I should not have to suffer for the poor communication going on in their company. Obviously, not all companies are using services like NCO Financial Systems to ensure they get things right the first time. The phone company I mentioned above might want to look into getting some help in that respect.
I do not want to be turned down for a mortgage due to things that were not my fault, false reports to my credit essentially. Fortunately, I have the right to see my credit reports and to dispute outdated or incorrect information that is showing on the reports. I can even work with an attorney to file a claim against a reporting agency that has published false information.
I already know where I want to buy and I have been watching the listings. I’m not going to let a couple of incorrect items on my credit reports get in my way now.
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