In today's market and world with the prices of cars steadily climbing there is nothing more important than your credit! It can make a huge difference overall on the terms of  your loan and interest rate! Which all comes down to money!

It is also a scary time as far as credit is concerned with all of the ID theft that happens around the globe.

Everyone should know exactly what all is own their credit at all times and they should also know what their credit score is. There are 3 credit bureaus out there. Equifax, Experian and Trans Union. All creditors do not report to all 3 bureaus. Lending institutions do not always use all 3 bureaus either. So you can see the importance of having all three reports.

 Equifax offers a great 3 in one report! It gives you all 3 of your credit reports and your score.

Now below you will find some tips for different credit situations.

You find information that is on your credit report that is not yours.
-Contact the creditors and dispute the information with them.
-Contact all 3 credit bureaus and dispute the information as inaccurate. This Can be done online for all 3 bureaus. They will take full corrective action with in 60 days.
-Monitor your report after that to make sure the inaccurate information is removed and does not return.

You have accounts showing on your credit report as not paid when they are!
-Probably a simple oversight just follow the steps as above. also try to find any receipts you have to support that these credit accounts are paid.

You believe you are the victim of credit identity theft.
-Contact your local police department.
-Contact your attorney for guidance.
-Notify the credit bureaus that your an id theft victim.

You have duplicate accounts on your credit report.
-Notify the credit bureaus and watch to make sure it is updated to reflect only one item on your credit report per account.
-Keep an eye on your credit to make sure it does not return.

You Find old accounts you forgot to pay on your credit.
-This happens do not sweat it. Contact the creditor and make an offer for settlement. Most creditors will take less than is owed on old accounts.
-Make sure you credit report reflects after you have paid the debt. Also make sure it does not show up again.

You have no established credit.
-There are several ways to establish credit from secured credit cards to small accounts. A little research or a talk with someone that has established good credit can get you on the right path.
-Make sure to pay everything on time and monitor your credit to keep it safe!
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Step 1: Decisions                      
Introduction
 Can you Buy & How Much
New Car or Used Car
What Make, Model, Etc.
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