building better credit report
The American dream is a puzzle, both for those who study it and for those who pursue it. We should never forget that this dream is connected to the credit as much as a fragile flower to the sun. What would you say is the American dream? "Today's American dream," Lendol Calder, author of the Financing the American Dream replies, "includes a house in the suburbs with a backyard for the kids to play in, a patio for barbecues, a shady street bright and obedient children, camping trips, fishing, two family cars, seeing the kids taking parts in school and church plays, and online access to the world" (3). This is not the end of the puzzle. In fact, it's just the beginning. To reach this dream is necessary to keep credit clean and under control. There are important things that need to be done to improve credit. There are three important players in the consumer credit game; creditors, credit reporting services and credit repairing agencies. All of them are in the game to make money but none of them are truly here to help the consumers. Creditors are the first one. They allow clients, purchasers, customers and buyers to use future income to purchase goods and services today.
Most of them will be free or require a minimal charge for consulting. Now we know how to get credit report and dispute erroneous information when it's false. Creditors want to be secure that everyone is a good risk by checking credit history before approving your request. The Federal Trade Commission adds the warning that consumers may be prosecuted for mail or wire fraud if they provide false information when requesting for new credit or an extension (Paradis 1). A young man and a woman sit close together against a tree on a warm summer night. Check all the dates, amounts and account numbers. Definitely, remove everything from marketing list. Consumers can clean up credit problems on their own. The first one includes all incomes from different sources. They see a sport car and a family station wagon, a hi-fi stereo set and a television, helpful home appliances-all the twinkling constellations of the American dream (Calder 3). Finally credit repair services, or so-called credit doctor cannot do anything that you couldn't do yourself. Everything will be reported on yours as well as on the cosigners credit report.
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