Fixing Your Credit Report Profile In Three Days


If you are the type of person who is always busy and work two or three jobs at the same time, below is a quick-fix method which will restore your credit rating starting in only three days.


Day One: Get your three-fold file from freeannualcreditreport dot com and grab a pen-highlighter in your hand while you read your three-fold reports one by one. You can spend your lunch break at work to focus on any one of the three files. While reading through, highlight any negative item you find and be sure you understand what has been documented there. Make footnotes at the bottom of the page so that you can easily recollect your thoughts while reading.


At the close of work, spare a few minutes to focus on a second version of your file. Remember that you have your Experian, Transunion and Equifax. Repeat the same process as you did during lunch break. Again make footnotes if necessary (it could even be anything you want to do pertaining to your report as long as it will improve it).


Reserve the third file for when you get home and apply same process as you did for the first two, but be sure you get it done that same day. Some people are fast readers and can understand all three reports easily. Consider yourself lucky if you fall into that category.


Day Two: Focus on one report at a time, and on a separate plain and neat paper write out all the negative entries and errors that you need to get rid of. Repeat same for the remaining two files using one paper for one version of your file. Remember that the three bureaus are not the same and you’ll deal with them individually.


Day Three: Begin writing and mailing dispute letters to the individual bureaus using standard mail. And never dispute more than one issue in one letter lest it be treated as frivolous.


Note that you can hire a credit repair law firm if your job is too hectic to permit you to do-it-yourself.


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The Length of Time That Tax Liens Show Up on a Credit Report

When someone close to us passes away, we post obituaries for them in the newspaper, as a mark of respect to show them for one last time, what they meant to us.  These obituaries are usually written by people who are close to the deceased, colleagues and friends.

Obituaries are one way of saying goodbye to people who mean something to us, but they also give biographical information of the deceased.  This is one way of informing people of the death and also to let them know about the memorial service. Obituaries are considered as a mark of respect to that person.

Obituary records are now stored at news organizations and publication houses.  They are also considered to be part of the death records and found at all the public record offices.  These records can also help with genealogy research as the information they contain even includes everything about the family members, education, achievements, military service etc.

Obituary records are easily accessible to the public online. There are several websites that have cropped up over the net, that provide all sort of records and obituary records have become an important part of public records.  Some services are offered free while some charge money.  The convenience associated with searching for these records using the internet cannot be explained.

The main thing about obituary records is that all other records may lose their value with time, but not obituaries.  They are the marks of people that left us and remain alive forever, even if the person is no more.

Try using the paid public record services to gain access to the obituary records and they can be retrieved very quickly.  You must ensure you use a reputed service that provides what it says it would.  Not all paid services are good, so do a bit of research before actually paying the fee.


For more information about this article try to visit Criminal Records


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If I Am Sued In The Ontario Small Claims Court Will It Report To My Credit Report?

If you are sued in the Ontario Small Claims Court the first thing that will happen is you will be served with a Plaintiff’s Claim. Once you are served with the plaintiffs claim you have an opportunity to file a defense.

If you fail to file a defense the other party could obtain default judgment against you. If you file a defense the matter will proceed to a pretrial settlement hearing and if no settlement is reached it will then proceed to a trial.

The only time something will report to your credit report is if the other party is successful obtaining a judgment against you. This can only be achieved three ways:
1. You dont file a defense and the court awards the other side default judgment.
2. You make a court approved settlement and default on the terms.
3. At trial the judge agrees that the other side is right and awards them judgment.

You have more to worry about than just your credit report if someone obtains a judgment against you.

Once the other side has obtained a judgment they can file a writ of execution with the Sheriff’s office. Any time a mortgage is closed in Ontario the lawyer, as a condition will run and execution search on the applicants name. Any executions that appear will have to be paid before the consumer is able to close their mortgage.

If the other side uses their judgment to obtain a notice of garnishment they can send the garnishment to your employer and then your employer will have to remit 20% of your net earnings to the Ontario Small Claims Court to be paid to the other side.

They can also use the judgment to freeze your bank account which involves notifying your bank that you have an outstanding judgment against you.

The Ontario Small Claims court offers a comprehensive process to help parties make fair settlements when they involved in a dispute.

If you have just been sued, even if you believe that you owe the money you may want to consider filing a defense. When filing a defense you can dispute the entire amount claimed, or admit that you owe some or all of the amount claimed and propose a repayment plan. Then when you go to the pretrial settlement conference you have an opportunity to propose a repayment plan to the other side in front of a judge or referee.

If you are able to come to an agreement, the judge or referee will bind the settlement and no judgment will be entered against you as long as you honor the terms of the settlement. If you breach the terms of the settlement, the other side will be eligible to apply for default judgment and you will have no further remedy.

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