Christian Credit Repair Strategies
Determining Christian credit repair strategies can be a daunting task especially if identity theft and credit card identity theft have occurred. However, a person must not get discouraged. With the increasing occurrence of fraud affecting the nation, more government agencies, private businesses, and corporate companies are prepared to help a person avoid identity theft and help repair any damage that may have occurred. Even if a particular company cannot help with the repair themselves, most are apt to know where to send a victim of fraud and identity theft. Many credit card companies have credit repair strategies of their own and offer preemptive measures in signing up for a card.
The best place to start in understanding credit repair strategies is to look at measures to avoid identity theft. Taking early precautions can help an individual avoid being a victim of identity theft and fraud. Some suggested measures of protection are knowing one's credit report, being aware of a company's legitimacy and values, and following several standard safety procedures. Theft can occur in broad daylight, not only by taking a person's material possessions, such as a wallet or purse, but theft can also occur in broad daylight when the thief can view and easily take personal information. One key for safety is to ensure that no one can view the entering of passwords or other forms of access codes, such as for a building or car. A second key in protecting personal information is to install and always keep editions of computer firewalls and virus protectors up-to-date.
If theft has occurred, or an individual has lost a wallet or purse, the person needs immediately to call their bank and credit card companies. Both entities will determine the best credit repair strategies for the person. Several of the options available are to freeze an account until a determination of the account is made. A second option is to put fraud alerts on all cards and bank checks. Another option could be to close all accounts and begin new. A great solution for quickly handling post theft repairs is to have copies of all pertinent information. A copy of the front and back of all cards, ID's, and other information can assist an individual in quickly calling and obtaining the assistance needed for credit repair strategies. After a person has called their primary companies and bank, the individual must call the local police to file the proper reports. Consulting with the bank, credit companies, and police are three key areas to get a person's identity cleared from the harsh affects that fraud can cause.
Unfortunately, identity thieves are everywhere and can steal a person's identity from anywhere. Those preying on others often dig through the trash or go dumpster diving to find any personal information, which can be used to steal an identity. Identity crooks tend to appear on the doorsteps of innocent, and often elderly, people to gain access into their homes and personal lives. Unsuspecting people have become victims because another person has disguised themselves as repair workers or employees of other such occupations. An individual should keep an eye on their mailboxes too. Identity crooks have been known to forward mail and place address changes too. If a person notices less mail or no longer receives magazines, bills, or other forms of statements and is suspicious of foul play, he or she should contact the local post office and enquire about potential solutions. The post office should be able to track any changes occurring for the person. Mail fraud is a serious offense. Because of the serious nature of mail fraud, the post office will take extreme precautions and will not let the matter rest until the office is sure no crime has been committed.
Individuals should be cautious about trusting personal information to companies claiming to offer credit repair strategies. A person should be cautious in dealing with any entity requiring private facts. A company claiming credit repair strategies should be able to offer the client data of the company. If a company hesitates in offering knowledge to a potential customer, the customer should seek other solutions. "The thief cometh not, but for to steal, and to kill, and to destroy: I am come that they may have life, and that they may have it more abundantly" (John 10:10).
In taking preemptive measures of knowing one's credit report and score, a person can keep track of their credit history. Knowing and reviewing a report, at least once a year, can help familiarize a person with what a report looks like and what a person needs to watch for regarding potential errors or theft. An individual must be aware of what potential fraud might look like. In reviewing reports, the person should take careful notes. If a discrepancy is noticed, a call to the reporting company needs to take place immediately. Disputing a claim can be taxing on an individual. Several methods for dealing with companies and trying to obtain credit repair strategies is to be direct and know what has and has not transpired financially in the past. A person must keep track of each conversation, which deals with clearing up discrepancies. A potential solution for keeping track is to log information on a computer, such as the day and date, time, representative of the company who they spoke with, and brief specifics of the conversation, and then send the information to their own email. The solution provides a legitimate way to record the facts. In sending the information to one's email address, the email in the inbox shows to others that information is being recorded, and a person is serious about a resolution.
Professional Christian Credit RepairVarious forms of professional credit repair are continually emerging as financial theft becomes more prevalent. The past few years have seen a skyrocket of scandals involving top executives defrauding their own companies and those invested in the company. Identity theft continues to surface and the numbers of identity theft increase each year. As interest rates increase, people obtain more loans and other financial accounts, and identity thefts occur, credit scores reflect an increased amount of errors. Knowing and understanding a person's report and their score can assist in keeping the score as accurate as possible. If identity theft occurs or an individual realizes that there are erroneous mistakes in their report and score, an individual should seek a means for professional credit repair.
A professional credit repair can take the form of self-help via professional software methods or seeking a company specializing in credit repair. Both forms offer numerous advantages and disadvantages. In researching either option, people need to be aware of the company or software and be cautious about handing out personal and financial data. The biggest disadvantage for either option is the mishandling of information. A company many not be reliable as a whole or just the individual receiving the information. While software seems more reliable and has fewer hands involved, the information sought and gained carries over the Internet, which is often times unsecure or easily accessed by professional hackers. If using the Internet as the main source of contact with financial entities, a person should ensure the firewall works and the virus protector is running and up-to-date. Other safeguards for Internet security involves keeping passwords hidden and changing passwords on a regular basis.
A person who wants to do professional credit repair will find professional credit repair software or "software doctors" available. "Software doctors" are available to assist with various forms of trouble, from credit problems to home repair problems. Software for repairing a person's history will include an assortment of help topics and services available to fix problems involved in financial restoration. Most programs will work with two or more major credit bureaus. The majority of restoration programs available for financial and history restoration include the following: advice from experts, the ability to learn how to stop phone calls from collectors, knowledge on reading and understanding one's report, and guidance on removing harmful items on a report. A few other solutions found on the software are as follows: understanding how to repair all forms of harmful issues, such as, bankruptcy, collections, and ID theft, expert letters to creditors, collectors, and bureaus, and many more facts that are useful.
Finding a reputable company to facilitate with financial restoration is not easy and can be a daunting task. People searching for financial help want a professional credit repair company that is honest, dependable, skilled, and knowledgeable. An individual seeking professional credit repair wants to find a company that has at least 6 years of experience, licensed and bonded, and has a good standing with the Better Business Bureau (BBB). A good company can help and fix credit reports and scores, late payments, bankruptcy, liens, and other financial related issues. Ways in which a company can help is by saving and lowering a person's interest rates, fixing scores, stopping collector's calls and letters, and establishing a good financial future.
Most people are not aware that a free credit report is, by law, available once a year. For the most part, people are also not aware that a majority of the repair companies use the same software that is also available to the public. However, an individual may prefer to work with a company who has a background of professional credit repair. A person who tries to implement restoration on his or her own may run into a few financial and legal risks and disappointments. Working through self-help procedures and software can be time intensive and very stressful. Other disadvantages in using software, even professionally based software, comes in the form of lack of experience, lack of knowledge, a possible missed step or two, a lack of software dependability, and no personal protection. If a system or software fails, a person will need to redo the process. If the software has a glitch and creates an error instead of fixing it, the only one responsible is the person who is trying to fix their financial history on his or her own time. Personal error creates a problem that may be even bigger than the erroneous problem first noticed.
The advantages for using an experienced Christian company are numerous. Of course, many of the advantages are just the opposite of the disadvantages. For example, some advantages are less time consumed, not as stressful, better results, quicker results, secure results, and protected results from a professionally bonded and experienced company. Professional companies offer one on one experience, personal care, individualized attention, and professional analysis of a person's circumstances. While software can be very individualized, the software also runs on the experience of the individual performing the function. While software may be very extensive in its offerings, the software cannot be personal and completely understand a person's background. Limitations are inevitable when software is used. Companies can offer individualized plans based on information gather through what the person has shared. If the customer representative feels the individual has left out any information, the representative can ask specific questions so the customer can clearly understand the information still needed. "Ask and it shall be given to you; seek, and ye shall find; knock, and it shall be opened unto you: For every one that asketh recieveth; and he that seeketh findeth; and to him that knocketh it shall be opened" (Matthew 7:7-8).