Some of the most common scams include asking you to use an ‘EIN’ number in place of a social security number, to set up a new identity and a new credit file. This is illegal. Some companies ask you to pay up front for their ’services’ and then disappear without a trace! If you really feel you want to use a company to address your credit file problems, you should make certain it is an established, legitimate business with a history and a physical office you can visit!how to analyse my assign judgement - and mend some problems!

You can get hold of your Free Instant Credit Report here today if you’d like to know what’s on your file.

So it’s no surprise that many of us would love to improve our credit ratings. Yet unfortunately this means some of us are actually falling foul of illegitimate businesses or scams, promising to repair your credit file for you. The truth of the matter is that these companies cannot legally do anything that you can not do for yourself, for free!

You can then read through the reports and highlight any potential incorrect or inaccurate entries. Once you’ve got a list, contact the referencing agency and they’ll be happy to investigate the issues for you. They’re legally obligated to do this and are normally quite helpful!

As more and more consumers begin to wake up to the reality of how crucial a good credit rating is, more and more companies are beginning to appear with promises of ‘removing negative entries’ or ‘instantly raise your score’ but can they really help? The answer is no. Here’s why..

The truth of it is that you can’t remove an accurate entry from your report. So if you have actually mismanaged your credit in the past, it will be reflected and will stay on your file for a few years. However making payments on time and keeping in touch with your creditors will begin to improve your score each month.

Over our lifetimes, most of us have at some point been in a difficult financial situation that may have been recorded on our credit record. This may have been down to a redundancy, sickness or simply poor money management. Whatever the cause was, it doesn’t matter. To a creditor, a negative entry is a negative entry regardless of the reason.

As I mentioned earlier, you can begin to repair your credit file yourself. The very first thing to do is get hold of a copy of your credit file from the three credit referencing agencies Experian, Equifax and TransUnion. You could approach them directly but there may be a small fee involved, alternatively you can get a free copy of your credit report from all 3 companies here. It really wont cost you a cent.how to analyse my assign judgement - and mend some problems!

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